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Do you need more than just a loan?
A large percentage of our clients are investors. One of our main strengths and points of difference from other mortgage brokers and branch lenders is our practical loan structuring advice. We help our investor clients achieve their investing goals while also providing advice on loan set ups that provide maximum future flexibility and control.
In short we ask what you want to achieve, then we map out how to get there. Common investor problems that we can help you with are fixing incorrectly / inefficiently structured loans, accessing equity when your lender says no more, overcoming servicing constraints when your lender says no more and assistance with complex structures such as company and trust lending.
More information for investors:
90% home loans & 95% home loans
We specialise in high loan to value ratio (LVR) loans including 90% home loans, 90% investment loans, 90% refinance and cash out loans, 95% home loans and 95 per cent investment loans.
Lenders have very different risk appetites for high LVR loans and these appetites do change from time to time. As we specialise in this area we have a very good understanding on not only what the current bank and mortgage insurers polices are but also how these policies are actually interpreted. This is vital to avoid the disappointment of having a loan declined.
We also specialise in structuring loans for investors seeking high LVR loans to minimise their overall mortgage insurance costs and to avoid cross collateralisation.
More information for high LVR loans:
Finance for an unusual property types
Lenders have very different policies when it comes to what is considered an acceptable security property for a residential loan. Some may finance a certain type of property but will restrict the loan to value ratio (LVR) available while others may say no altogether.
We are experts on what lenders will and won’t do. This is truly one area of finance where all lenders are not the same. A perfectly good property in one lenders eye is deemed unacceptable to another. Anything slightly unusual about a property can make it a no go zone for some lenders who since the GFC have become more and more conservative / picky in this regard.
Don’t just take your banks word for it! Often there are solutions with other lenders that won’t cost you anymore, in fact can be cheaper. Often these types of properties will be far better investments in terms of rental yield than a stock standard residential house in the suburbia.
We have options for financing:
Unusual income or employment
Do you have an income or employment situation that is a bit different or complex?
Many lenders have very stringent and divergent requirements about the types of employment and income they will accept. Often what is OK with one lender is not OK with another. We have had great success over the years helping credit worthy borrowers get their loans approved who may have had a slightly out of the ordinary income or employment situation that just didn’t quite fit with their existing lender or main financial institution.
Some of the main things we can help with are listed below but there are many more areas where we can help such as assisting those who may have multiple jobs, are on probation, receive large bonus payments as part of their salary, new arrivals to Australia seeking a 90% LVR loan and much more.
More information on unusual income or employment situations:
Our Current Lender Panel
Quick Find Menu
- Property Investors
- 95% home loans
- Lenders mortgage insurance (LMI)
- Unusual employment & income situations?
- First Home buyer information
- Unusual property type?
- Lo doc loans
- Development finance
- Home loan advice
- Loan Declined
- Fixed rate loans
- Loan types
- Loan to value ratio (LVR)
- Loan jargon
- Other services
- Current mortgage rates
What out clients are saying
The current tightening that began in the investor loan space and which has now spread into pretty much all aspects of home lending means that there has never been a better time to enlist the help of an expert mortgage broker who has the experience to quickly determine what is and isn't possible for you without wasting your time. In the current market, having access to a variety of options and having an expert that understands the differing policies in regards to serviceability is the key to ensure you receive the best rate relevant to your circumstances. Of course we offer more than just competitive rates we importantly get you set up with the correct loan structure to maximise your control and peace of mind.
Some lenders are looking to re-balance their lending books away from what they perceive as higher risk borrowers such as those with multiple investment loans or those seeking interest only. While some have more room to lend so it is also important to know what appetite each of the lenders have before making a decision as to where to place your next loan. We are monitoring things constantly. Use our knowledge to your advantage and give Marty McDonald and his team a call today or send through an online enquiry.
For owner occupiers with 20% or more equity or deposit an good serviceability the competition is absolutely fierce. As touched on above some lenders are re-balancing their loan books and will be writing home loans at very little or even no profit to achieve their goal. This means ultra low rates and even some cash rebates. Call for more information about current offers and advice from a trusted Mortgage Broker, Northern Beaches.
Mortgage Experts - Our story
Mortgage Experts is a Broker Service set up by Marty McDonald in 2010. Marty has over 15 years’ experience working hands on as a mortgage broker and has helped well over 1000 individuals and families with their loan needs. We are based in Mona Vale in Sydney's Northern Beaches. We were originally based on Sydneys North Shore so we service the entire northern Sydney area. We can also offer our expertise to clients throughout Sydney on a case by case basis. Our loan processing support is provided by Connective (one of Australia's largest mortgage broker aggregator's).
Marty Specialises in:
- Investment loan structuring advice.
- General mortgage and property buying advice.
- Difficult loan structures such as trusts and company borrowers.
- Loans for hard to finance properties (ie inner city apartments / company title / multiple dwellings on one title).
- Loans for those with unusual employment or income situations (IT & Engineering contractors for example).
When dealing with Mortgage Experts your enquiry will be dealt with by a true mortgage broker expert from the outset so you will be confident that you are getting the right information and advice. With years of hands on experience we will quickly work with you to determine which lenders will approve your loan and from there work with you to decide on the best lender and loan.
Mortgage Experts - the process:- Assess which lenders will likely approve your loan application from a panel of over 20 lenders (including all the major banks)
- Find you a great deal from that short list of lenders
- Provide loan structuring advice to minimise your future hassles and give you maximum flexibility
- Help with all the loan application paper work
- Help guide you through the loan, property buying and refinancing processes
- Provide after settlement mortgage advice as needed
- Preform loan maintenance tasks such as switching to fixed rates and changes to loan amounts