Brett Robson - AAP Finance Brokers

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Erina, NSW
Brett Robson - AAP Finance Brokers

I pride myself on integrity, trust and discretion, always striving for my client's best outcome.

I’ve been lucky enough to have lived and worked on the Central Coast for the last 25 years and, during this time, I have developed a large network of contacts that allows me to share these with my clients. After a long and varied career with ANZ I decided to venture into the world of finance broking, allowing me to offer clients a much broader range of options for all of their finance needs. I pri

de myself of integrity, trust and discretion for my clients, seeking their best outcome at all times.

09/12/2025

Getting into the Christmas spirit with my work colleague Anthony, and Michelle from Coast Shelter. It’s a privilege to be involved with such a great charity that works so hard, especially at this time of year, preparing over 500 hampers for local people.

12/03/2025

Do you ever fall into the comparison trap?

Do you scroll through Facebook or other social media posts and wonder why others have flashy cars, bigger houses or go on great holidays?

I do, and it takes a conscious effort to stop this happening, some days are better than others.

Sometimes it takes a reality check, like the one I had today, to shake you up and make you realise what is really important in life.

I went to a funeral today, I never met Blake personally, but I have known his dad Laurie for more than 25 years, I felt like I knew Blake, many people did.

When the family were sorting out Blake's things they found a speech he had prepared for his 50th birthday next year. Blake loved his family, and his family loved Blake, there was nothing more obvious to everyone present today.

Blake's proposed speech resonated to me.

"I have been quick to learn that all the flashy and shiny things in life slowly begin to fade, though the one thing that continues to shine in my world is the true connection and relationships I have formed with my family and friends."

Thank you Blake, thank you Laurie, you raised an incredible son.

04/03/2025

These are the moments that make my role so much more rewarding.
Congratulations to Jade, she is a very impressive person.
A hard-working NSW Paramedic who has just completed her first year on the job and, at the age of only 21, has now secured her first home.
Hard work, determination and maturity beyond her years.
It was a pleasure to work with you, thank you for the opportunity.
The NSW Ambulance service has a great asset, keep an eye out for Jade in the NSW Hunter Valley.

20/02/2025

So interest rates are down 0.25%, the first reduction in variable rates since November 2020, but how will that impact you?

1) If you are in the market for a new loan your borrowing capacity increases.
For a single borrower on an income of $100k, your borrowing capacity would increase by about $10k.

2) If you are current mortgage holder, your minimum repayments will decrease.
If you have a loan of around $600k with a remaining period of 25 years, your minimum repayment would decrease by around $20 per week.

How important is that $20 per week to you?

If you leave your repayments at the higher level, based on the above scenario, you could effectively cut two years off your loan and save $32,000 over that 23 year period.

Think hard before you reduce your repayments.

Check that your lender is providing you with a variable rate under 6%.
If they aren't give me a call.

17/10/2024

Do you have an existing SMSF Loan?

If you do, have you checked the interest rate?

Refinancing a Self-Managed Super Fund (SMSF) loan can save you money and improve your retirement savings.
Recently I met with a client who has an existing SMSF loan for a residential property with one of the big four banks.
Their loan has been in place for almost 10 years and their current variable interest rate is 10.22%.
They contacted the bank, but they weren’t interested in reviewing the rate.
Not only can I look to refinance this loan at around 7.2% but the new lender also offers an offset account for SMSF loans.
The interest saving alone, based on a loan of $350,000, will be more than $10,000 per year, not considering the positive impact that their large SMSF funds will have on the loan term when they are moved from a low interest cash management account to an offset account.

Check your rates.
Have you thought about refinancing your SMSF loan?
What questions do you have?

20/09/2024

I like to send my clients a little settlement gift and it's so nice to get a note of appreciation back from them. Their comments mean a lot to me and today I received a text from some new clients that were referred to me by a mutual friend.

"Oh Brett, what a lovely surprise. Thank you so much for this very kind gesture. I feel it is us who should be gifting to you for all your hard work, patience and assistance, guiding us through the maze. Thank you so much for this gift, it's extremely thoughtful and kind of you."

I love what I do and feel very grateful that I get to do what I love ❤

13/09/2024

12 months since I left ANZ and the rewards keep coming. It's moments like these that make me realise how lucky I am to be able to do what I do, and how grateful I am that I made the change.
Here's another reason, check out that beautiful smile, a proud first home buyer, friends that are like family to me ❤️❤️
The Robsons love the Dwyers, they've created spectacular children. Brett Robson

12/06/2024

Look at that smile.
Satisfaction level 100%.
Congratulations Brooke on your first home purchase.
One of the most rewarding parts of this business is to see people achieve their goals and Brooke should be very proud of herself.
So excited for you (especially as I have known you since you were born) ❤️🏡🏖
Go team West, one down, three to go.

16/04/2024

It is a great privilege to join the ranks as an official volunteer at Coast Shelter.
Last Thursday Anthony Ryan and I completed our first shift in the kitchen, for what we hope will be many more to come.
It is an incredible organisation with a tireless, hardworking team of dedicated staff and volunteers. Their reach on the Central Coast is extensive and I would encourage others to offer their support in any way that they can.
Thanks again to Michael Olivieri, Central Coast Buyers Agent, for connecting us, another positive reason to make connections via Linkedin.

02/04/2024

What a great few months it has been.

I never imagined the extent of satisfaction in matching the needs of my clients to the vast array of products available to me as a broker.

Not one deal is the same, nor are the personal circumstances of any client.

Some of my recent client experiences have been.

🏠 A retired couple wanting access to funds from the equity in their home by way of a reverse mortgage.

🏗 A construction loan for a new commercial development.

🚦A home loan refinance for a self-employed client using alternate income verification methods.

🏨A self-managed super fund (SMSF) loan for a client wishing to purchase a commercial property for their business.

🏡An investment property purchase involving the client's parents to alleviate the high cost of Lender's Mortgage Insurance.

Having access to more than 50 lenders allows me the opportunity to find a solution for almost every client request.

Let me know if you have a scenario you'd like to discuss.

20/02/2024

What a journey, can you see the relief on their faces?

After 4 months of searching, over 50 inspections and more than 20 unsuccessful offers in a very hot market it was so exciting to finally see them achieve their goal.

Now you can have your weekends back again (unless you're a paramedic or a real estate agent).

Congratulations to Lauren and Kevin ❤️❤️

Thank you for letting me play a very small role on the journey.

04/02/2024

Today is a date I always remember.

On February 4th, 1985, I started working with ANZ, fresh from school as an 18yr old.

I never imagined leaving, it was once like a family, but 6 months ago I resigned.

2023 was a tumultuous year for me, both personally and professionally.

I took on a new role, but from early on it was clear that it wasn't working out, I wasn't feeling good enough, my mental health was at an all-time low and some days it was a struggle getting to the office.

I sought external help and make a decision to leave.

It was time to back myself, get my confidence back and believe that I was good enough.

It was a huge financial risk, but for the sake of my mental health, I had no choice.

I am not resentful, or regretful, I believe that all things happen for a reason and the last 6 months have been very liberating as I learn and adapt to being self-employed.

My wife Bronwyn is incredible, I owe her so much, she trusted me, she had faith in me and we are on this new ride together.

Thanks so much to my new team at AAP Finance, Tony Haworth, Lisa Holt and Anthony Ryan. They are incredibly supportive and encouraging, they help when they don't need to help and cheer on all the little wins along the way. They put up with my ramblings in the office and regular interruptions, some things never change.

The support of friends and family along this new journey is amazing. So many people have reached out, trusting me to look after their financial needs, giving me the encouragement at a time that I needed it the most.

When I left ANZ there were two senior people I remember, for very simple reasons, but it's these little things that leave a big impresssion.

Colin Law came to my farewell, he didn't need to, but he made the effort to come and made a farewell speech.

Ben Hewett, our State Manager at the time, called me on the day I resigned, he didn't need to either, but he thanked me on behalf of ANZ for the 38 years I put it.

A few little tips to share.

1) Be kind to each other.

2) Be kind to yourself.

3) It's never too late to do what you love.

4) Check on your work mates, don't assume your colleague that smiles and makes jokes a lot is doing ok.

I am grateful, for friends, family and the opportunities that lie ahead, as a fresh faced 57yr old.

Address

Suite 3. 04 4 Ilya Avenue
Erina, NSW
2250

Telephone

+61456727851

Website

https://aapfb.com/best-mortgage-broker-central-coast/#team, https://www.linkedin.com/in/brettrobsonaapfb/

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