Paddington, Bondi, East Sydney home finance broker

Gary Phillips

  • Mobile: cell 0413 100 302
  • Phone: work 02 9388 7741
  • Fax: fax 02 8580 4656
  • Business Name: Waterline Finance Pty Ltd
  • Trading As: Waterline Finance

Gary Phillips

Mortgage Broker Elizabeth Bay, Potts Point, Darlinghurst

It is still a great thrill and challenge for me in helping people achieve their financial goals.

– even after having helped hundreds of customers over more than 10 years.

My customers keep telling me, and the banks keep telling us, that we have become such a vital part of the community and the economy. We provide a service free of charge to the customer, in a highly skilled manner, in plain English

  • We bring 30 banks to you

Top 5 reasons for using a Mortgage Broker

  1. It is free
  2. More choice, one stop
  3. Interest rates are the same, and can often be better than going to the bank directly
  4. Saves you time, and usually saves you money
  5. An expert in the industry working for you
  • Did you know that mortgage brokers do not charge a fee?

How it works, how we can help

There are at least 3 main components to contend with when purchasing a property, and in practice, most people need guidance on all or more of these components

  1. Loan process (see below)
  2. Property process
  3. Legal process

The loan process can include (though not limited to) the following:

  • Initial assessment
    • analyse your situation, borrowing capacity and purchase budget
  • Appointment 
    • organise supporting documentation, discuss banks, products and rates
  • Lodging the loan
    • see through to pre-approval
    • conditional approval
    • formal approval
    • loan documentation and all the way to...
    • settlement
  • Let us do the work for you – at no cost

Types of Borrowers

  • Purchasers                                        
  • Investors
  • Refinances                                         
  • Business
  • First home buyers                          
  • Commercial lending
  •  Do you know how to maximise your ability to reduce debt – we do

Customer service award

I rank in the top 10% of all brokers of The Loan Market Group for customer satisfaction and service.

  • Why not call for a free review and analysis of your existing borrowings

Just wanted to send you an email to say thanks for all the hard work you did to help us get our mortgage. It was a long process and we finally did it with you help, it is much appreciated. We ended up moving in on the settlement day, all the furniture and stuff was in by 6pm and we slept in our new room, over the following days we set everything up and had many visitors.

We are very happy with the place and the neighbourhood. Scott has started striping paint off doorways and doing bits and pieces. We will have you over when I get back in a few weeks, I am in Japan right now, the show is a total sell out here. Gavin

Gary Phillips has assisted me over a number of years in obtaining finance. Over that time I have come to rely on and trust his advice. Gary is very approachable and always responds promptly with detailed and pertinent information to any query I have. Gary also keeps the lines of communication flowing between all parties and is highly proactive in ensuring I understand all my finance options and helps in pointing me to the right financial product for my needs.

Gary goes beyond just assisting with finance, as he always helps by liaising with the mortgage companies, conveyancers and other third parties to ensure that the transaction not only closes but does so in a way that I am satisfied with. I also love the fact I can bounce ideas around with Gary so that we can collaboratively come up with the best result.

Gary is also very adaptable and practical, so when anything tricky surfaces I am always confident in Gary coming up with a practical and timely solution and I can rely on him being available to help me implement it. Lastly I am always confident in going back to Gary for my financing needs because as much as he focuses on my current finance requirements, he also understands my overall position and long term financial goals and I because of that I feel comfortable knowing that Gary will be there to help when my latest needs arise. Richard Winter, Rabobank

Book a FREE appointment with Gary Phillipsclick here

  • Broker region: Sydney City
  • Suburbs: Elizabeth Bay, Potts Point, Darlinghurst
  • Gary Phillips provides mortgage broking services in suburbs including but not limited to: Rushcutters Bay, Woolloomooloo, Dover Heights, Bondi, North Bondi, Rose Bay, Double Bay, Vaucluse, Bondi Junction, Edgecliff