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Buying property is not just about the
dollars and cents, it is often a very
emotional and exciting experience.
There is no reason why your mortgage
experience should be any different.
Choosing the ‘right’ mortgage is
often one of the most significant long
term decisions we undertake in our
lives. Smart mortgage decisions can
For such an important decision, you must do your homework
covering at least :
•
Affordability Assessment (what can you realistically
afford?)
•
Rate Options (fixed versus variable)
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•
Essential Loan Features (do you really need an offset
facility)
•
Contingency Planning (what if my circumstances change,
inheritance, baby, divorce)
Problem is, this homework can be tough, and finding
Why Choose Stanford Brown
Mortgage Broking?
There are two key reasons; we
make the complicated simple
and we get great results.
Uniquely, our brokers are also qualified financial advisers, meaning they not only look at your scenario from a mortgage product selection perspective, they take into careful consideration how your debt strategy will impact your long term financial strategy. We have access to a large panel of lenders meaning we represent you, not the bank. Our dedicated lending division work hand in hand with professional investment and
insurance advisers to build you a complete financial plan. With over 30 staff, we are large enough to provide a truly comprehensive offering but also small enough to give one-on-one tailored personalised service.
We believe that information is power, unfortunately there is a lot of information available on ‘the right loan’ and frankly not all of it is true, accurate or helpful. We see ourselves as borrowing educators to help
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Our Commitment
•
To listen to you, challenge you, and develop a precise
understanding of your situation and what you are seeking.
•
To use our size to negotiate on your behalf the best
possible lending solution to meet your unique personal
financial situation.
•
To help guide you through the property acquisition maze.
•
To communicate clearly, free of jargon.
•
To give you space and time to review your options. You can
walk away from us at any time.
•
To not forget you once a transaction is complete. We
are there for the long haul, from conceptual talks about
budgeting and getting into the property market, all the way
through to putting the keys in the front door and beyond.
We know your personal situation will change over time, and
we will be a reference point for what’s happening in the
lending market, and assisting you with your next move or
lending query.
Affordability Assessment – We look at your budget and finances and help you to determine a repayment schedule that works for you.
Process Training – Property acquisition and mortgage application may appear daunting and confusing. We run through all the phases so you have comfort in who does what and when.
Government Assistance - We can advise you on first home owner grant eligibility.
Parental Assistance – You may be seeking the financial assistance of parents either through the equity of their home or help with a deposit. We can advise you and your parents on key options to take into consideration.
Preparation Guidance – You may not be seeking a property immediately, but just need some guidance on deposit levels and preparation options. We can run through multiple strategies including what you can do now to improve your credit rating
Fresh Start Mortgage Report – You will be provided with a mortgage comparison and recommendation report outlining all costs and repayment projections.
Property Valuation Assistance – We have access to professional valuation software providing you with personalised property reports. This gives you increased negotiation power when it comes to dealing with real estate agents.
Current Loan Examination – Suited to individuals / couples who are not happy with their current mortgage / lender, or just shopping the market to see if there is a better deal. We run a detailed health check on your current debt structure.
Mortgage Refresh Report – You will be provided with a mortgage comparison and recommendation report outlining all refinance costs and repayment projections. This will essentially provide you with clear information to allow a decision to be made.
Property Valuation Assistance – We have access to professional valuation software providing you with personalised property reports. This gives you an increased
understanding on the levels of equity in your property.
Implementation Service – We liaise with your current lender and proposed lender from start to finish streamlining all the administration and minimising the level of paperwork on your behalf.
Fresh Start –
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Strategy Planning – Your lending needs are more complicated than a home buyer hence your strategy and analysis needs to be matched to your lending requirements. In this phase we look at your overall strategy, taking into account a long term view.
Positive vs Negative Gearing Analysis – We assist you by modelling the impact of alternate options regarding yield levels leading to positive or negative gearing set-ups.
Existing equity analysis – By pre booking valuations we are able to establish a Lending Plan that allows you to maximise the equity in your current property and get you buying your next property sooner.
Group Purchasing – We help you weigh up the pros and cons of buying with friends and family.
Portfolio Builder Mortgage Report – You will be provided with a mortgage comparison and recommendation report outlining a detailed solution for your property investment needs.
Strategy Planning – Cost analysis of setting up a Self Managed Superannuation Fund (SMSF) with the correct structure for direct property investment. We can show you how property can be used to diversify your overall investment portfolio.
Tax Effectiveness – We can show you how to avoid paying Capital Gains Tax (CGT) in retirement.
Implementation – We guide you through the whole process from initial discussion right through to selecting the right property manager.
Monitoring – We monitor the performance of your property and align it with your overall investment strategy with your financial adviser.
Portfolio Builder –
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Any advice contained in this document is general advice only and does not take into consideration the reader’s personal circumstances. Any reference to the reader’s actual circumstances is coincidental. To avoid making a decision not appropriate to you, the content should not be relied upon or act as a substitute for receiving financial advice suitable to your circumstances. When considering a financial product please consider the Product Disclosure Statement. Stanford Brown is a Member Firm and Corporate Authorised Representative of Genesys Wealth Advisers Ltd. Genesys and its representatives receive fees and brokerage from the provision of financial advice or placement of financial products.
Level 8, 15 Blue Street, North Sydney NSW 2060 PO Box 1173, North Sydney NSW 2059
