Mortgage Choice Margaret River - Shane Galbraith

03/03/2022

01/03/2022

Securing a home loan doesn’t always go as planned -
A lender may not want to include all your income.
You may not be able to get the rate you saw advertised.
You may have unexpected expenses.
You may not be able to get approval before settlement date.
You may not even be able to ask your lender questions without a three day wait!

Get your loan through me so I can deal with any problems that arise and go into bat for you to get the best outcome.

11/02/2022

What kind of investment property can you afford?
How much equity can you use?
How should you structure your investment loan?
Which lender will work best for you?
Where can you get the best rate?
What do you need to do for your loan application?

I can advise you on all these issues and more, so you can make informed, intelligent decisions about your property investment loan.

Getting smart advice greatly improves the chances that your property investment will work efficiently and help you build more wealth.

12/01/2022

There are hundreds of home loan interest rate options for first home loans, next home loans and refinancing.

This home loan quick guide explains what they are, along with pros and cons of each.

A quick guide to popular home loan types There are hundreds of home loan interest rate options for first home loans, next home loans and refinancing. This

15/12/2021

Ultra-low interest rates have offered borrowers the chance to get extraordinarily cheap home loans over the past year, and Australians have well and truly made the most of it.

Find out what the average mortgage will buy you in each state.

Ultra-low interest rates have offered borrowers the chance to get extraordinarily cheap home loans over the past year, and Australians have well and truly

24/11/2021

Making additional repayments could potentially save you money and reduce the amount of time it takes to pay off your mortgage.

To estimate how much time and interest you could save by paying off more than your minimum loan repayments, try out our extra repayments calculator - ow.ly/mb861039NnB

23/11/2021

The type of loan you should choose all depends on your situation and what you are trying to do.

Are you trying to pay off your mortgage as soon as possible?
Are your interest repayments tax deductible?
Do you have enough cash flow?
Do you need money for something else?

There are many things to factor in when making this choice – and countless other choices required – in making your money work efficiently.

Please get in touch so I can help you make sensible, informed decisions.

21/11/2021

There are so many ways to answer that!

But first and foremost, I have a huge network of lenders and I know how they tick. I know how they assess borrowers like you, whether they’ll offer a loan that will suit you and whether we can get you a great rate through them.

There’s really no other easy way to choose the perfect lender for your individual circumstances – and that’s just the start. I will guide you in making informed choices that will put you on the path towards building your personal wealth.

Want to know more? Contact me today.

09/11/2021

There are many steps involved in getting a suitable loan – from planning your goals and preparing your finances, to timing your purchase and negotiating a great rate.

There are also a huge number of important decisions to make along the way. Should you get a fixed rate? An offset account? Interest only or P&I?

You may also have some questions, such as; will you need a family guarantee? What documents do you need? Will the money be ready at settlement?

Confused? Don’t be – I’ve got you covered.

07/11/2021

Self-employed? Don’t worry, I can help!

Many lenders perceive self-employed borrowers to be more risky. This can cause them to charge you more interest or not be willing to lend you as much.

I can help you navigate these challenges. I’ll help you find a lender that will assess you fairly and explain what documentation they will need to see. I can also negotiate with the lender, or explain your specific circumstances, to get a loan approval and a great rate.

If you’re self- employed, let me help you get a loan today.

01/11/2021

As lenders try to differentiate themselves from their competition, it's more important than ever to ensure you're talking with a lender that is the best 'fit' for your personal situation and is keen to lend to borrowers like you.
I have access to over 30 lenders and have developed relationships that you can benefit from. If you'd like someone in your corner, to help with your next loan, get in contact today.

26/10/2021

Choosing the most suitable lender for your specific financial circumstances can make a big difference to your borrowing capacity.

How a lender will calculate expenses, assess income and credit history, calculate risk and so on … will affect how much they will lend you.

I can work out which lender's policies suit you best, so we can maximise how much you can borrow and you can purchase the property you really want.