Gold Coast home finance broker

Mike Ruiz

  • Mobile: cell 0411 490 382
  • Phone: work 0411 490 382
  • Fax: fax 07 3200 1377
  • Business Address: work P. O. Box 1122 PARK RIDGE, QLD 4125 Australia
  • Business Name: Michael Jack Ruiz

Mike Ruiz

Mortgage Broker Gold Coast, Brisbane, Sunnybank

With over 30 years experience in the banking and finance industry and more than $150 million in home loans secured for past clients, I have an outstanding understanding of the home loan industry and home loan application process. Over the course of my career I have saved many clients thousands of dollars simply by ensuring they get the right home loan for their situation.

Some home loans require the services of a specialist in that area; I have a network of broker contacts, who are experienced in all aspects of home loan lending and if necessary, can refer you on to the best person for your requirements.

Wealth creation

Property can be an excellent wealth creation vehicle, if you get it right. A big part of that is ensuring you have the proper finance package and structure for creating long term wealth and prosperity. It is important to set good foundations, based on your goals and current financial situation.

Investment loans

The proper investment finance package will help maximise your earning potential and enable you to achieve your long-term investment goals. There are a number of considerations in selecting the right investment finance, including your taxation position and gearing options. I am familiar with all aspects of investment loans and the lenders who offer them. I can help you organise the most appropriate loan and lender at the outset, or for investors with an existing portfolio, I can review your borrowings with a view to increasing earning potential or expanding your portfolio further.

Michael was extremely knowledgeable about banking products, very helpful and very talented with that calculator of his.
D. & T. Hill

Self-employed borrowers

I know my way around Profit & Loss statements and balance sheets. This ensures we can ascertain your borrowing capacity and which lender/s has the appropriate loan structure for your needs, regardless of whether your are borrowing for business or require a home loan. I also understand the time pressures self-employed borrowers are under and work around these requirements so you can continue to put your business first.

First home buyers

It is an anxious time when buying your first home, and I demystify the home buying process. I explain every process step by step, and explain the reasons “WHY”.

The three most common questions first home buyers ask me are:

  • Which home loan is right for me?
  • Should I fix my home loan?
  • How do I pay my home loan off faster?

To help answer these questions and ensure your home loan is managed correctly, I start by checking you have the funds to complete the purchase, including associated costs. Finding the right loan and lender is the next step. Everyone is different and what worked for friends and family may not be suitable for you. Throughout the process I keep in touch and let you know what decisions have been made and what they mean.

Just a quick note to express our thanks. You really made our first home purchase an easy and enjoyable job.
John & Marika

Outstanding communication

I understand the most important thing is choosing the right loan structure and the right product, and getting it approved on time. Communication is imperative throughout the home loan process - I provide you with all the information you need and the progress of your home loan, whether you are a first home buyer or a seasoned property investment veteran.

I have held hundreds of free, informative seminars in the local area as part of my commitment to providing good, accessible home loan information to those who need it most. These seminars have covered all aspects of the finance process including: first home owners' options, investment finance and securing finance for purchasing at auction.

Thank you for your efficient and professional assistance with the purchase of our new home. It was a pleasure dealing with you.
J. & P. Macfarlane

Home loans for miners

Miners earn a good income, but as a result of the remote areas they are working in and the unusual hours, often need extra support. Things like access to a mortgage broker at odd hours, and a system of phone, fax and email communication to finalise requirements and documents, are important. I provide regular updates and if you have a question at any time, I can be contacted easily - ring me at midnight one night, and see how many times it rings before I answer!

Home loans for divorcees

As a divorcee myself, I can relate to the anxiety of a marriage break up, particularly when it comes to property and finance. I understand the Family Court system, and can work well with both parties and their solicitors to ensure a satisfactory outcome is achieved when it comes to buying a property out.

Southern Brisbane and Gold Coast customers

As a local in the south of Brisbane who has been living in the area for the past 20 years, I particularly enjoy assisting local borrowers and work throughout the southern suburbs of Brisbane and the Gold Coast, including Sunnybank, Browns Plains, Springwood, Beenleigh, Runaway Bay, Southport, and Surfers Paradise.

Additional qualifications

  • Post-graduate certificate in Financial Planning
  • Certificate IV in Mortgage Broking
  • Fellow with FINSIA
  • Bachelor of Business (Marketing) (QUT)
  • Certificate of Management (QUT)

Mortgage broking awards

  • 2007 Mortgage and Finance Association of Australia Excellence Awards: Finalist BDM of the year.
  • Top International Broker (Loan Market) 2000, 2001

In appreciation of your thoughtfulness, and in all the things you did. You deserve the warmest thanks.
S. Waduge & family.

Thank you, thank you, thank you. You did a great job and you made one family a very special “Christmas present”. Thank you again.
The Steele Family

Your help is greatly appreciated.
H. & S. Crocker

Big thanks for helping us get our house loan. Thanks for all your patience and hard work.
Fil & Kristin

We can't thank you enough for helping us get our dream home. You are not just an exceptional finance broker, you are a beautiful man.
J. & B. Reid

Just a short note to say thank you for your time and patience last Sunday.
R. & F. Nieman

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  • State: Queensland, QLD
  • Broker region: Gold Coast
  • Suburbs: Gold Coast, Brisbane, Sunnybank
  • Mike Ruiz provides mortgage broking services in suburbs including but not limited to: Brisbane, Gold Coast, Sunnybank, Browns Plains, Springwood, Beenleigh, Runaway Bay, Southport, Surfers Paradise