Mortgage Broker Inner City, Lower North Shore, Inner West
Elite Performer 2008 - 2010
With over 20 years experience in the banking and finance industry, I can help you with business, investment or home loans. I am well connected with the right bankers and lenders to get you the right interest rates, structure and flexibility for your particular situation.
If you are buying property now, getting your finances sorted out early can ensure you are in the best position to negotiate for the property you want on your own terms.
Complex borrowing and larger loan sizes
I have extensive experience with larger loan sizes, broad property portfolios, trusts and other structures. If you are self employed, or a professional in the legal, banking, IT or medical professions - whether self employed or PAYG - I know where to place your loan application and how to effectively package it for maximum benefit.
Home loan pre-approval
Home loan pre-approval is something you should always get if you can, no matter what your loan size. It will put you in the strongest position to bid at auction or negotiate with a vendor. Pre-approval is offered by most banks and lenders and is usually valid for around three months and I can easily assist you to get it. If you can, make sure you apply for a written home loan pre-approval with the lender you intend to borrow through, as this will give you the most secure indication of how much you can borrow. Just remember, all home loan pre-approvals will come with some conditions that still need to be met, most importantly that the property you choose meets the lender's criteria.
If you are buying at auction, Deposit Bonds are now available. The conditions of Auction Deposit Bond's use are flexible, giving you a good alternative to using your own cash. I am an authorised Deposit Bond agent and can assist you to organise this convenient deposit method if required.
First home buyers
If you or your children are a first home buyer, you are well-placed to take advantage of a number of government initiatives aimed at improving affordability. Along with the well-established First Home Owners Grant of $7000, first home buyers can now access deposit-saving support via First Home Saver Accounts, offered through a selection of banks, credit unions and other financial institutions. The NSW government provides additional assistance to first home buyers in the form of the First Home Plus and First Home Plus One schemes. I will assist with forms, departments and where to go to get a good interest rate on your savings.
What a good mortgage broker does for you
When looking for a home loan, the combination you choose will affect the overall cost of your loan and your ability to pay off your home loan faster, so getting it right at the outset is important. A mortgage broker offers loans from a panel of financial institutions, including banks and non-banks and can give you both a good understanding of what is available as well as work with you through the process of getting your loan.
Customers Sydney Lower North Shore
I am based in Sydney's CBD and service clients throughout the Lower North Shore, including Mosman, Lindfield, Neutral Bay, Milsons Point, McMahon's Point, Kirribilli, North Sydney, St Leonards, Crows Nest, Cammeray, Chatswood, Cremore and Wollstonecraft.
I also work with clients throughout the Eastern Suburbs and Sydney CBD including Double Bay, Dover Heights, Surry Hills, Potts Point, Erskineville, Newtown, Balmain, and Leichhardt.
Denise (Sisvanh-Chan) and Esther were great. High communication levels and any questions I had were promptly answered (regardless of how basic they were). Using a broker saves the stress and hassle personally and with someone like Esther who I can trust and contact any time - it was the best way to find the right loan package.
Craig & Gretel, Epping NSW
For more information on home finance or to talk to Denise Sisavanh-Chan
- State: New South Wales, NSW
- Broker region: Sydney City
- Suburbs: Inner City, Lower North Shore, Inner West
- Denise Sisavanh-Chan provides mortgage broking services in suburbs including but not limited to: Mosman, Lindfield, Neutral Bay, Milsons Point, McMahon's Point, Kiribilli, North Sydney, St Leonards, Crows Nest, Cammeray, Redfern, Cremorne, Newtown, Erskineville, Alexandria