Emerald home finance broker

Chris Maguire

  • Mobile: cell 0432 389 388
  • Phone: work 0432 389 388
  • Fax: fax 0749723393
  • Business Address: work 35 Tank Street Emerald, QLD 4720 Australia
  • Business Name: Cem Finance Pty Ltd

Chris Maguire

Mortgage Broker Emerald, Clermont, Gemfields

Emerald born and bred with the intent to stay through thick and thin, I pride myself on being as flexible as can be to suit your needs. My number one goal is to ensure that finding and applying for your home loan is the simplest process in your property purchase.

When searching for a home loan, you need to consider application fees, ongoing fees, discharge and settlement fees and the flexibility the loan offers. The home loan with the lowest interest rate is not always the best product long term - your individual circumstances will determine which loan is right for you.

Loans for all situations

Being part of one of the largest mortgage broking groups in Australia gives me access to over 30 different lenders, allowing me to provide all types of loans, including discounted rates for first home buyers, low doc loans for the self-employed, and right through to reverse mortgages for the retired.

I believe everyone is entitled to a fair go and to have a personal mortgage broker who has their best interests at heart. I understand that your situation is unique, and that you may have special requirements - either for your home loan, or simply because you don't work standard hours; perhaps you have children to pick up and can't make an appointment during business hours. I offer a mobile service and can arrange an appointment at a time and place that suits you.

I also have access to cash management services (term deposits) for both the long and short term, with extremely competitive interest rates for amounts over $50,000.

And as one of my clients, you will have the opportunity to secure a competitive general and life insurance policy, should you require it.

First Home Buyers

Buying your first home can be a daunting task with so many things to think about and do to secure your first home. I will help you with determining eligibility for and then obtaining the government's first home buyers grant, explain to you what stamp duty exemptions you will be entitled to as a first home buyer, and explain all of the different home loan options available to you to make sure you end up with a home loan that truly meets your needs.

Property investors

With investment loans, one of the most important things to do is get the loan structure correct. The knowledge and experience I gained whilst working in an accounting firm, in conjunction with my lending expertise, ensures that I understand the importance of structuring your investment to maximise your tax benefits and the return on your investment. I also have good contacts within the accounting industry to further assist you to achieve appropriate financial outcomes from your property investment plan.

Self-employed and small business owners

It is not always easy for self-employed and small business owners to clearly demonstrate their income. I understand the issues the self-employed have when it comes to finding appropriate finance and I am able to work closely with you to find a lender who understands your unique situation. With experience in accounting, I am also adept at reading business financials, an important aspect of finding the right loan.

Home loans for miners

I particularly enjoy working with miners from the local mines to help them find an appropriate home loan. Having many family and friends who work in the mines I understand how they operate and am able to structure both owner-occupied home loans and investment loans to take advantage of the income they currently earn. I am also adept at accommodating the often unusual hours mining employees may be required to work, in order to ensure their home loan application runs smoothly.

Additional qualifications

Certificate II in Business Studies

Business networks

I am closely associated with Ray White Real Estate Emerald and Maguire's Real Estate & Livestock.

Customers Emerald and surrounds

I am centrally located in Emerald, however I provide home loan services all surrounding townships, including Blackwater, Capella, Clermont, Gemfields, and Springsure.

Memberships and Community Involvement

I am a member of both the Epic Sports Club and Emerald Celtics Soccer Club, and enjoy the opportunity these memberships give me to participate in the great Emerald community.

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  • State: Queensland, QLD
  • Broker region: North Queensland
  • Suburbs: Emerald, Clermont, Gemfields
  • Chris Maguire provides mortgage broking services in suburbs including but not limited to: Emerald, Blackwater, Capella, Clermont, Gemfields, Springsure, Burleigh, Burnett, Cairns, Callide, Caloundra, Capalaba, Chatsworth