Christine Donnery home finance broker

Chris Donnery

  • Mobile: cell 0410 575 090
  • Phone: work 0410 575 090
  • Fax: fax 08 6267 8072
  • Business Address: work 16a Dermer Road Beaconsfield, WA 6162 Australia
  • Business Name: Bobby Dazzler Nominees Pty Ltd

Chris Donnery

Mortgage Broker Beaconsfield, South Fremantle, White Gum Valley

Home Loans in Perth

Getting your home loan sorted out early can ensure you are in the best position to negotiate for your home on your own terms. And while the home loan application process can seem daunting, it is often simpler than most people think. I have access to home loans from a large range of major banks and secure lenders, and I truly understand home finance in a real estate context.
With a solid 18 years experience in banking and lending coupled with 10 years experience in real estate sales - you can expect to get the most competitive home loan to suit your finance needs and lifestyle.

What you can expect from me:

  • Professional and personal service at no cost to you.
  • Access to a wide range of lenders with competitive loan products.
  • An accurate assessment of the costs involved for your financial situation.

First Home Buyers

Buying your first home is an exciting experience, but there can be a lot to think about. I make the home loan application process as smooth and easy as possible, so you can concentrate on finding the right home. As part of my service, I will help you to understand the types of home loans available to you as a first home buyer and choose the right one for your situation. If you are eligible for the First Home Owners Grant or any state government first home buyer assistance, I will help you to fill in the paperwork.

Home Loan Deposit in Perth

Most banks and lenders will require a minimum deposit of 5 per cent of the value of the property you are purchasing, before they will approve you for a home loan. Depending on the lender and your individual situation, you may be able to fund your deposit from a range of sources, including genuine savings, monetary gifts, inheritances and first home buyer incentives; it is important to note, however, that most lenders will require at least a portion of your deposit to come from genuine savings. If you don't have the deposit required, you may be able to make use of family equity, also known as a limited guarantor loan. The most common form of family equity is where a family member, usually your parents, offers their existing property as security for a portion of the home loan, generally around 20 per cent.

Home Loan Pre-approval

Home loan pre-approval is a great way to ensure you know how much you can afford to pay for a property before you even start looking. A written pre-approval can also give you an advantage when you are negotiating on a property with a vendor, as opposed to someone who has no pre-approval or finance in place. A home loan pre-approval is generally valid for about three months, and you will still need a satisfactory valuation on the property you intend to purchase before your pre-approval can progress to a full loan approval.

Property Investment Loans in Perth

Property investment can be a smart wealth creation strategy, if you get it right. And that doesn't just mean finding the right property - you need the right investment finance as well, otherwise you may find yourself throwing money away for nothing. Your investment loan package should be tailored to your investment strategy and goals, so I work closely with your financial planner and/or accountant to make that happen. Whether you are an experienced property investor with a big portfolio, or just starting out with your first property, I can help you get the right investment loan for your circumstances.
A friend recommended Chris at Loan Market at the time we were sourcing finance for our first investment properties. We have consulted with Chris for many home loans since and found Chris to be highly professional and an extremely efficient mortgage broker. She has a warm and friendly approach and nothing is ever too much trouble. Chris made the investment loan process uncomplicated and trouble free. We have since recommended Chris to many of our friends who have been extremely pleased with her service. Dion Poolman and Renae Grljusich-Poolman, Investors

Business/Commercial Loans

Business and commercial loan options vary depending on whether you are a start-up or existing business. Whether you are buying commercial property, undertaking a property development , expanding your business or need some cash-flow funding, assistance from a good commercial finance broker can be invaluable.

Low Doc Loans for the Self-Employed in Perth

Many self-employed borrowers need a loan that isn't quite standard, mostly because they don't have the full financial history required to get a regular loan. Low documentation, or low doc, loans fulfil the needs of many self-employed borrowers. You'll still need some financial history and paperwork - often about 12 months BAS statements and an ABN that has been active for at least 6-12 months.

Refinancing Loans

Refinancing your mortgage is something that takes careful consideration. The most important thing to look at, is if refinancing will put you into a better position than you would be if you stuck with your current home loan. I can go through the sums with you to show you the costs involved in changing home loans, as well as your projected costs over a set time frame for both your current and proposed home loans. And if you decide that refinancing is the right move for you, I will help you complete all the necessary paperwork to make the change.

Debt Consolidation in Perth

Debt consolidation can be a handy solution when you are struggling with repayments on several debts, such as your home loan, credit cards, store cards and personal loans. Debt consolidation works by combining all those debts into your home loan, which is generally the debt with the lowest interest rate. Because the interest rate is lower, and the loan term is usually longer, your monthly repayments will drop, giving you a bit of breathing space. Remember, if you make only the minimum required repayments, you will end up paying more in interest charges over the life of the loan than if you had left your debts separate. And debt consolidation will not fix the underlying problems, so be sure to get assistance from a financial planner to rectify your financial situation.

Upgraders/New Property Buyers - Bridging Loans

Financing the move from one property to another can be quite stressful, especially if you are yet to sell your home - how do you free up the funds that are tied up in your current property to purchase the next one? A bridging loan can help. With a bridging loan, your lender will use both your current and new property as security and lend you enough to buy your new home. While you are waiting for the sale and purchase process to be completed on both your current and new property, you make interest only repayments on the loan, or maybe even no repayments at all (called capitalising the interest). Once you have sold your old home, the proceeds go towards paying off your bridging loan. The amount left over, called the end debt, is then transferred to a standard home loan, becoming the home loan on your new property.
My third home loan was approved with the help of  Chris, with the assistance and insight of a successful and knowledgeable mortgage broker I have got myself into a financial position of strength. With two properties, one of which is an investment, I am now also considering an additional investment property. The process of purchasing (and selling) a property doesn't get easier. The support and knowledge provided by Chris has been invaluable. There are many steps and significant milestones in the process of purchasing. Chris's intimate knowledge and communication skills put many of my worries to bed. It's important to build trust and have good communication channels with someone who is assisting with the single largest financial transaction you are likely to make in life. You want to be sure you have all the information upfront and all your questions answered before committing - Chris does this! Michael, 3rd time property investor
 

Case Study - First Home Buyers Bryce and Jessica

Buying our first home was a daunting task for both my partner and I.  We both knew it was going to be difficult given our employment history as sub-contractors and other tax related issues. After our first attempt of buying a small home in Byford we both came out disappointed and with little hope of ever being able to buy our first home after being denied finance. When the disappointment finally passed, we regained a positive attitude to get a second opinion with a new broker as recommended by my father - a broker with whom he had great confidence. After meeting with Chris from Loan Market Beaconsfield, she took all of the stress and worry out of the home loan application process. Chris was upfront with potential lenders making them aware of our situation so we weren't faced with the same reoccurring issues and disappointment. We were impressed with the loan application, as Chris kept us informed during every step of the home loan process, she was professional and realistic.  After our dealings with a previous brokers, the comparison unbelievable. With Chris I save time and the hassle that I had experienced in the past - Chris really took care of everything. Chris took the time and effort to explain our new home loan as well as provide tips and advice for property settlement from her previous experience in real estate.  The Result: We finally moved into our very own home! Chris negotiated a competitive home loan and provided us with valuable tips and advice after loan settlement. Chris not only saved us time and money but was also the support we needed to make our dream of home ownership possible. We cannot thank Chris enough!

I provide a FREE, no obligation and confidential consultation at a time convenient to you.

  • Over the phone
  • Via the Internet
  • At your home or
  • At your workplace
Some of my clients and friends know me as Chris Flay or Chris Donnery, for your obligation free home loan consultation contact me today!

Book a FREE appointment with Chris Donneryclick here

  • State: Western Australia, WA
  • Broker region: South Metro
  • Suburbs: Beaconsfield, South Fremantle, White Gum Valley
  • Chris Donnery provides mortgage broking services in suburbs including but not limited to: Beaconsfield, Fremantle, Hilton, North Fremantle, O'Connor, Samson, South Fremantle, White Gum Valley