Mortgage Broker Mardi, Tuggerah, Wyong
It can be a very daunting experience when it comes to choosing a home loan. This is a time when you need to be free of stress and I believe that my service will see that you have a memorable experience. As a former Bank Manager, Credit Assessor and with over 23 years of finance experience, I offer you quality professional solutions to finding the home loan for your individual needs.
The clients that I have assisted in purchasing their homes come from all walks of life but I predominantly deal with first home buyers and subsequent buyers (those who are upgrading, downsizing, moving location or investing in property).
My clients know that they can call me at any time, 7 days a week and I will be available for them. I have a very strong commitment to service and communication to ensure that no detail is missed the process of applying for a home loan. I have developed great relationships with my clients and many of them have become life long friends who contact me if they need to know anything about the finance market. As one of my clients you will also receive a monthly newsletter keeping you up-to-date on what's happening in the marketplace.
I found the service provided by Cathy to be friendly, informative and very professional. Cathy was available for assistance at any time - even on weekends ! I am very happy with the service that you have provided and would not hesitate in recommending friends and family to your services
SEQUAL Accreditation (Reverse Mortgage Accreditation): Authorisation Number B2009-1441
First Home Buyers
The NSW Central Coast is a fantastic location for first home buyers and I specialise in this market. My aim is to make this a smooth process for you with as little stress as possible. Generally the process of buying your first home can be extremely daunting - this is when you need a mortgage broker who will look after you and take the time to explain the pros and cons of buying, what the home loan process is and what happens when you find a home.
Being a first home buyer, you are well placed to take advantage of a number of government initiatives aimed in assisting you to purchase a home including the First Home Owners Grant of $7000 (up to a purchase price of $750K in NSW ) and stamp duty waivers or discounts.I will take care of the application for the Grant and stamp duty concessions, as well as all the other paperwork that is required to get you into your first home.
Second and subsequent home buyers
If you are buying your second, third or tenth home I will be able to assist you with a selection of home loans from a range of lenders to suit your needs. In some cases, the requirements you will need to meet will have changed from your first home purchase, as home loans and lender criteria are constantly evolving; I can assist you to understand the latest home loan process and how it may differ to your previous experience.
As an investor, you need to make sure your investment finance matches your personal financial position and investment goals. I work with your accountant to ensure that you investment loan is structured properly to achieve maximum taxation benefits, as well as work effectively with your investment strategy.
Need a home loan fast?
My specialty is fast turn around of loans, something I am able to achieve thanks to up-to-date, detailed knowledge of the industry and a dedication to my clients that means I can be contacted at any time. I know that timing can be everything when it comes to purchasing property, and have worked hard to develop the appropriate relationships with a diverse range of lenders to ensure your home loan application will be processed in the shortest timeframe possible.
Restructuring or refinancing your home loan to get a better deal
I love saving people money by restructuring or refinancing their home loan to achieve a better fit for their situation. In many cases, a simple review of your home loan and financial requirements can help us to put in place a structure that will make a significant difference to your cash flow - imagine what this could do for either your lifestyle or the ability to make additional repayments to pay of your debts off sooner.
Home loan health checks
A regular review of your home loan or investment loan portfolio is very important in the current environment. The home loan or investment loan you set up to suit your situation several years ago may not be suited to your individual needs today. Our lives and needs are continually changing - and so are your home loan options - therefore reviewing your home loan will give you peace-of-mind that your finances are structured properly.
Low documentation loans, more commonly referred to as low doc loans, are particularly suited to self-employed borrowers. A low doc loan allows you as a self-employed business owner to self-certify your income without the requirement of providing up-to-date tax returns. This enables you to borrow with a minimum of documentation. There is an active market for low doc loans and pricing on interest rates and features is competitive. It should be noted that even PAYG borrowers now have access to low doc loans.
Reverse mortgages are becoming increasingly popular for retirees who have a large amount of equity in their family home and who want to utilise this equity to improve lifestyle in their retirement years - maybe to take that overseas holiday or buy that Campervan. I am authorised by SEQUAL to explain to you exactly how a reverse mortgage will work. Be aware, there is a minimum age restriction of 63 years of age for the reverse mortgage products that I can offer.
When purchasing property either by private treaty or at auction you are required to place a 10% deposit when the contract exchanges. Maybe you may not have the 10% deposit, for example, you may be borrowing 95%. In cases like these a deposit bond can help. A deposit bond is an insurance policy - the bond is an alternative to a cash deposit.
I am authorised to issue deposit bonds on the spot on behalf of Deposit Power to eligible clients. I will liaise with your conveyancer /solicitor to ensure they receive the deposit bond within 30 minutes of processing your deposit bond application to secure your property.
Home loan pre-approval
A home loan pre-approval will provide you with the security that your loan is approved subject to generally standard conditions, before you even find a house or apartment to purchase. Your pre-approval will put you in a strong position to either bid at an auction or negotiate with a vendor. Most pre-approvals are valid for a period of 90 days. You would be disappointed to find your dream home only to find out that you can't borrow the money to purchase it - so let me take away the possibility of such a situation by applying for your home loan pre-approval today.
Mortgage protection insurance
When you take out a mortgage for your home and investment property, you should consider protecting the payment of the mortgage on that property. A mortgage protection plan is a simple and affordable way for you to have this need met. For every home that is lost to fire there are four homes lost due to death and 48 homes lost due to disability. I can put a policy in place for you to help protect you against such losses and offer you the first three months at no cost. During this three-month period you can decide whether to keep this insurance in place or to review your insurance needs with a financial planner
Credit impaired loans
Typically, home loans the credit-impaired are for clients who have or are experiencing some form of financial distress, whether it is mortgage arrears, business failure, or even if business partners have taken the money and run. What I find most clients need is an easy, quick, short-term solution to get them back on their feet and eventually back into a mainstream lender, and I specialise in finding suitable solutions to help achieve this in the shortest timeframe possible.
Bridging loans are a way for you to buy a new property without having to sell your current property first. By considering a bridging loan, you can be in a position to act straight away when you see the right property. I work with lenders who specialise in bridging loans and as long as you understand the ins and outs, it can be a very good loan to take advantage of.
Customers Central Coast
I offer my extensive home loan knowledge and experience to customers throughout the Central Coast region, including The Entrance, Long Jetty, Berkeley Vale, Killarney Vale, Erina, Point Clare,West Gosford, Tuggerah, Mardi and Wyong.
- State: New South Wales, NSW
- Broker region: Central Coast
- Suburbs: Mardi, Tuggerah, Wyong
- Cathy Mosdell provides mortgage broking services in suburbs including but not limited to: Mardi, Tuggerah, Wyong, Wadalba, Berkeley Vale, Killarney Vale, Long Jetty, The Entrance, Shelly Beach, Avoca Beach