Michael Roberts - Loan Market

Michael Roberts - Loan Market Providing good old fashioned customer service My job is to give you the insider’s edge. Would you like my help with your next property purchase or refinance?

With over 15 years experience in the financial services industry, I have built a large network of clients and colleagues from all parts of Australia by providing personal and professional service and maintaining contact after loan settlement. I talk to lenders daily and know the niche areas that each operate in, which lenders are processing applications quickly, and which ones are competing strong

ly on interest rates. I am able to take an impartial view of hundreds of loans from over 30 lenders. I assist with the application paperwork, and then liaise with solicitors, real estate agents and lenders through to settlement ensuring a smooth and stress-free property purchase. Based in the Manly area of Sydney, the majority of my clients live in and around Northern beaches suburbs including Balgowlah, Seaforth, Allambie, Clontarf, Freshwater, Curl Curl and Fairlight. In saying that, I am not limited to this area and am more than happy to assist people in all parts of the country. I have even helped a couple in Singapore to purchase an investment property!

This is the reason I do the job!
03/12/2025

This is the reason I do the job!

When it comes to a lender panel, size does matter.
29/05/2025

When it comes to a lender panel, size does matter.

27/05/2025

Gone are the days when being self-employed meant a near-impossible home loan application.

The lending world has evolved, and there are now many more pathways for entrepreneurs and freelancers. However, navigating these options can be complex. That's where a broker's expertise comes in. We know which lenders are suited to self-employed applicants and can tailor a strategy to your unique circumstances.

Let's discuss your homeownership goals. 💬

Your interest rate reflects the risk a lender takes when providing you with a loan. Several factors influence this risk ...
25/05/2025

Your interest rate reflects the risk a lender takes when providing you with a loan. Several factors influence this risk profile, and therefore, your rate:

Your credit score: A strong credit history demonstrates responsible financial behaviour.
Your residential stability: Lenders prefer borrowers with a stable address history.
Your employment status: Consistent employment indicates a reliable income stream.
The size of your deposit: A larger deposit usually results in a lower loan-to-value ratio, reducing risk for the lender, and often resulting in a better rate.
Whether your loan is secured or Unsecured: Secured loans (like mortgages) typically have lower rates than unsecured loans.
Any recent defaults and general banking conduct: Past financial missteps can impact your rate.
Understanding these factors can help you secure a more favourable interest rate. If you'd like to discuss how these might apply to your situation, or if you need more information about interest rates, please reach out to our team today.

Whether it’s a sudden bill, a repair, or unexpected job loss, life throws curveballs. A cash buffer can really help ease...
22/05/2025

Whether it’s a sudden bill, a repair, or unexpected job loss, life throws curveballs. A cash buffer can really help ease the stress. Here are a few tips to get you started:

📈 Find a savings account that maximises returns.
♾️ Automate your savings with small, regular transfers via your banking app.
💰 Consider the 70/20/10 budgeting approach: 70% for daily living, 20% for savings, and 10% for those little splurges.

Calculate how much you could save with our savings planner calculator : https://broker.loanmarket.com.au/michael-roberts/calculators-tools/savings-planner-calculator/

20/05/2025

When it’s time to hit the road in your dream car. 🚗

Ready to experience this feeling? Give us a call to get started.

18/05/2025

Ever wondered how the cash rate impacts your finances? 💰 The cash rate in Australia, set by the Reserve Bank of Australia (RBA), is the interest rate on overnight loans between banks. It affects everything from home loan rates to savings interest, and ultimately impacts the economy. The RBA adjusts the cash rate to help control inflation and support economic growth.

You don't have to wait until you have all your ducks in a row to see a broker. From tackling your debt to building your ...
15/05/2025

You don't have to wait until you have all your ducks in a row to see a broker. From tackling your debt to building your borrowing capacity, we can help you fly the nest sooner than you think.

Reach out for a chat to get started.

Today we celebrate the incredible strength and love of all those who nurture and care. Whether you're a mum, a carer, or...
10/05/2025

Today we celebrate the incredible strength and love of all those who nurture and care. Whether you're a mum, a carer, or someone who fills that role with love, your impact is immeasurable. We also hold space for those who are missing their mums, and for those whose journey to motherhood has been difficult. Sending warmth and support to everyone this Mother's Day.

08/05/2025

Choosing between variable and fixed rates is like picking between a raincoat and an umbrella - each has its pros and cons. ☔️ 🌧️

Variable rates fluctuate with the market, offering flexibility and potential savings if rates drop, but also the risk of increased repayments if they rise. Think: more flexibility, but budget uncertainty.

Fixed rates provide stability and predictable repayments for a set period, offering peace of mind and easier financial planning. Think: budget certainty, but less flexibility.

Ultimately, the best choice depends on your risk tolerance, financial plans and current economic conditions. Talk to a broker to find the way that works for you.

Address

PO Box 237
Manly, NSW
1655

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