Mortgage Broker Townsville, Queensland, North WardHi, Firstly I'd like to say thanks for taking the time to read through my profile. Secondly I'd like to congratulate you on the taking the first step to saving yourself both time and money on your next home loan. As a Loan Market broker, having access to over 25 different lenders is a huge advantage when it comes to the savings available in both of these areas. Combined with both the knowledge and experience I have personally as a broker, you can be rest assured you are recieving the best possible service when it comes to the research of your next home loan. As a long time local of North Qld, with personal, business and investment interests throughout the region, you can also be confident that when researching through the process, all aspects of not only the loan, but the purchase itself and forward planning with future investments will be discussed. Having the experience and strong relationships within a number of different industries locally at my disposal, these will also be available to yourself and the process where needed. Whether you're a mum and dad investor, first time home buyer or an avid property investor, I want to ensure that both your short and long term goals are identified and the correct products used to support these. Areas such as loan structures, debt repayments strategies and any tax adavntages available are all very important when it comes to choosing the correct product to suit your purchase and will be a major part of our discussions. I pride myself on allowing you to play a large role is the choice of the loan, as I believe the education process for yourself is as important as the end the end loan product itself. In a time where good old fashioned service and personal touch is often overlooked, you can rest assured that when dealing with myself and my business, my intentions are to build long term relationships and friendships, not just write loans. To add to the advantages of being a client of mine, and the Loan Market's, you will not be charged for my services. So even if it be a free second opinion in what is a very competitive market, I would be more than happy to sit down and go through any queries you may have surrounding home loan finance.
Home Loans in TownsvilleI have access to home loans from a wide panel of major banks and secure lenders, and I truly understand home finance in a real estate context. 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.
Home Loan DepositsMost 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 owner incentives. However, 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, offers their existing property as security for a portion of the home loan, generally around 20 per cent.
First Home Buyers in North QueenslandBuying your first home is an exciting experience, but there is 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 and will assist you in choosing 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 fill in the paperwork.
Callan and I would like to sincerely thank Phil Rogers for the impeccable service he provided us in purchasing our first home. Callan and I found Phil easy to work with, timely and polite. We were extremely satisfied with his professionalism and felt he went above and beyond requirements in the service he provided. His extensive knowledge of mortgage products and contacts in Townsville is a credit to him as a professional. For these reasons we would highly recommend Phil to anyone for all their mortgage needs. Callan & Morgan Lund
Home Loan Pre-approval in TownsvilleHome 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 negotiating on a property with a vendor, as opposed to someone who has no pre-approval or finance in place. 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.
Being a first home buyer as well as being new in Australia, I was certainly nervous about buying a house through an auction. I had only seen the property two weeks prior to the auction, and was not at all prepared to begin with. However, Janet Sivyer from Ray White guided me and worked extremely hard with me to get me well and truly prepared. She worked around my busy work schedule to accomodate my needs, sacrificing her own holidays. Both Janet herself and Phil Rogers from Loan Market, who also worked devotedly to get my loan pre approval on a very short notice and provided comprehensive guidance regarding my finances, sat next to me at the time of auction to give me the extra support. The process was made very simple, easy and actually quite fun thanks to these guys at Ray White. I look forward to working with them in the future as well and wish them the best of luck for all their future endeavours. Mushtaq, North Ward
Property Investment Loans in North QueenslandProperty 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. Your investment loan package should be tailored to your investment strategy and goals. I work closely with your financial planner and 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.
Refinancing Loans in North QueenslandRefinancing your mortgage is something that takes careful consideration. The most important thing to look at is if refinancing will place you in a better position than you would be if you stuck with your current 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 timeframe 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 TownsvilleDebt consolidation can be a handy solution when you are struggling with repayments on several debts, such as your home loan, credit 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.
Low Doc Loans for Self-Employed Borrowers in North QueenslandMany 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.
Community Involvement in Townsville
- Major sponsor of 1st grade for the North Ward Old Boys rugby union side.
- Player sponsor for University Hawks AFL side.
- Top 50 club sponsor for World Title Holder boxer Les Sherrington
Business Community Involvement
- Young chamber of commerce
- Townsville Chamber of commerce
- UDIA ( Urban Devlopment Istitute of Australia )
- State: Queensland, QLD
- Broker region: North Queensland
- Suburbs: Townsville, Queensland, North Ward
- Phil Rogers provides mortgage broking services in suburbs including but not limited to: Townsville, North Ward, South Townsville, Yarrawonga, Hermit Park, Kirwan, Kelso, Rupertswood, North Shore, Bushland Beach