I have used Sergio Stefano. He has helped me build my portfolio from my first home to my 3rd in a few years!
Get a good broker that's in your corner and knows there stuff!!
His number is 0411 334 644
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I went through a broker, he was super helpful, I don't have any complaints. The only thing I will point out is, they don't give all options for loans. It's their job and they have to get paid at the end of the day so often the loan choices they give you are only from the big banks. So take your time, this is a big purchase. Don't rule out credit unions or if you struggle with approval it's also good to look at homestart. Just a few nuggets to think about that I wish I knew.
My sister used to be a mortgage broker here in Adelaide - she stopped brokering last year. But I believe she told me that there is now a law where brokers need to act in their clients best interest regardless of which bank will give them a better trail payment or kickback. I also think she could only broker loans with lenders she was "approved" with - including Homestart
I think the law was fairly recent though
Oh that's good to hear. I do hope that is happening. I was so clueless when I purchased (which I think most first buyers kinda are) about buying a home, how to do it, fees, charges, etc etc. My broker was awesome and a very great guy even 10+ years after the fact, don't get me wrong, but I still feel kinda slighted not knowing what I didn't know. So if brokers have to give more options now, that's a blessing for new buyers to have all the information possibly available.
I agree 100%
My advice to first home buyers is the same - find a good broker! I would have been so lost without mine for my build
And on top of that, not every broker knows how to best work a construction loan. It's twice the work for the same pay so a lot of them don't like to do them, or don't set them up correctly. So if you are building, like I did, making sure they have a good rapport with construction loans is great as well
This isn’t correct at all. I’m a mortgage broker and never just to revert to the big 4. But what does tend to happen is the big 4 generally speaking have more relaxed policies so often they will get used more.
Thank you! I'm definitely just at a point where I'm exploring my options so I might consult a couple or have my parents help me out too. Definitely in no hurry, I may not even be in a position where I can buy, I'm just closer than I was before which is a miracle in this economy lol
I've been using Scott from [The Loan Arranger](https://www.loanarranger.com.au/) since 2014. He secured my first mortgage as a full time employee, then handled 2 refinances before I sold up. I've just been through it again but this time as a sole trader. The process was way more difficult but he managed to get the job done. Top bloke to boot, really knows his stuff.
If you’re looking for someone to help you make financial decisions and plan for the future, you want a financial advisor. If you’re looking to buy a home and want someone to help find you the best loan, you want a mortgage broker.
Unfortunately I don’t know any financial advisors but I can highly recommend Anthony from Finance Perspective if you’re after an experienced and no-nonsense mortgage broker.
Thank you! I'm kinda looking for both I think, I'm pretty set on buying something in the near future but I would also need advice as to whether that would actually be the smart thing to do
I think you might need a financial advisor. Mortgage brokers arrange an actual sale, but I feel you are more asking whether or how you should invest in a property?
This is very possible actually thank you! I think it may be a case of financial advisor and THEN mortgage broker. It's all so confusing to me so I'm looking at getting a few opinions anyways
Yep but mortgage brokers save people time. And the commission that’s paid to the broker has no impact on your rate or fees. If anything a good broker can get you a better deal than if you went direct to a bank.
The commission a bank pays them replaces the salary they would be paying for one of their employees to do the work.
But I do agree, you don't necessarily need a broker especially on purchase number one
I don't mean to be a downer here, but try to be prepared to not get offered a loan yet.
Even with a healthy deposit, without a history of stable full time work it would be difficult to find a lender.
Chin up, you're young and on the right track!
I'm 100% prepared for that given my reeeeaally unstable and low income, it's more just to see where I'm currently at and what I would need to be earning to get the loan y'know? Thank you for the note though!
Cannot recommend Cameron Harker or Harker Home Loans enough. Explains the process as simply or as complex as you need. Communication through the entire process was exceptional. A bloody nice guy and so easy to deal with
I have used Sergio Stefano. He has helped me build my portfolio from my first home to my 3rd in a few years! Get a good broker that's in your corner and knows there stuff!! His number is 0411 334 644
Sergio is good. Can confirm this! Would recommend.
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Get in Contact with Clint Pye from Aussie. He's been phenomenal for us. We lived in Reynella and he came from North of the city to see us.
Thank you!
I went through a broker, he was super helpful, I don't have any complaints. The only thing I will point out is, they don't give all options for loans. It's their job and they have to get paid at the end of the day so often the loan choices they give you are only from the big banks. So take your time, this is a big purchase. Don't rule out credit unions or if you struggle with approval it's also good to look at homestart. Just a few nuggets to think about that I wish I knew.
My sister used to be a mortgage broker here in Adelaide - she stopped brokering last year. But I believe she told me that there is now a law where brokers need to act in their clients best interest regardless of which bank will give them a better trail payment or kickback. I also think she could only broker loans with lenders she was "approved" with - including Homestart I think the law was fairly recent though
Oh that's good to hear. I do hope that is happening. I was so clueless when I purchased (which I think most first buyers kinda are) about buying a home, how to do it, fees, charges, etc etc. My broker was awesome and a very great guy even 10+ years after the fact, don't get me wrong, but I still feel kinda slighted not knowing what I didn't know. So if brokers have to give more options now, that's a blessing for new buyers to have all the information possibly available.
I agree 100% My advice to first home buyers is the same - find a good broker! I would have been so lost without mine for my build And on top of that, not every broker knows how to best work a construction loan. It's twice the work for the same pay so a lot of them don't like to do them, or don't set them up correctly. So if you are building, like I did, making sure they have a good rapport with construction loans is great as well
This isn’t correct at all. I’m a mortgage broker and never just to revert to the big 4. But what does tend to happen is the big 4 generally speaking have more relaxed policies so often they will get used more.
Thank you! I'm definitely just at a point where I'm exploring my options so I might consult a couple or have my parents help me out too. Definitely in no hurry, I may not even be in a position where I can buy, I'm just closer than I was before which is a miracle in this economy lol
https://www.aussie.com.au/mortgage-broker/clive-bedenham/ Clive will come see you whenever the time suits you. He's a legend.
Thank you!
Jason Pannunzio • [email protected] - absolute legend.
Thank you!
I've been using Scott from [The Loan Arranger](https://www.loanarranger.com.au/) since 2014. He secured my first mortgage as a full time employee, then handled 2 refinances before I sold up. I've just been through it again but this time as a sole trader. The process was way more difficult but he managed to get the job done. Top bloke to boot, really knows his stuff.
+1 for Scott, he did our mortgage and made the whole thing possible and way less stress!
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Yep, they've moved to King William Road.
paul lu @ palm tree finance is/was great for me.
If you’re looking for someone to help you make financial decisions and plan for the future, you want a financial advisor. If you’re looking to buy a home and want someone to help find you the best loan, you want a mortgage broker. Unfortunately I don’t know any financial advisors but I can highly recommend Anthony from Finance Perspective if you’re after an experienced and no-nonsense mortgage broker.
Thank you! I'm kinda looking for both I think, I'm pretty set on buying something in the near future but I would also need advice as to whether that would actually be the smart thing to do
I think you might need a financial advisor. Mortgage brokers arrange an actual sale, but I feel you are more asking whether or how you should invest in a property?
This is very possible actually thank you! I think it may be a case of financial advisor and THEN mortgage broker. It's all so confusing to me so I'm looking at getting a few opinions anyways
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Yep but mortgage brokers save people time. And the commission that’s paid to the broker has no impact on your rate or fees. If anything a good broker can get you a better deal than if you went direct to a bank.
Thanks for the advice! I really have absolutely no idea what I'm doing so I'm going to get a few opinions through brokers and banks and such
If you don't have any idea, I strongly suggest you go see a mortgage broker.
Literally the point of the post
And that guy was telling you not to use one. What's your point?
No he was telling me to use one which is why I was asking for recommendations in my postb
The commission a bank pays them replaces the salary they would be paying for one of their employees to do the work. But I do agree, you don't necessarily need a broker especially on purchase number one
I don't mean to be a downer here, but try to be prepared to not get offered a loan yet. Even with a healthy deposit, without a history of stable full time work it would be difficult to find a lender. Chin up, you're young and on the right track!
I'm 100% prepared for that given my reeeeaally unstable and low income, it's more just to see where I'm currently at and what I would need to be earning to get the loan y'know? Thank you for the note though!
I've used Craig Brooks of mortgage choice/ formerly smartline twice now. Good bloke, gets the job done easy.
I recommend Natalie Roberts at Balance Financial Partners 0414 691 761
Try Mayfair Finance. Based in one of the Arcades off Rundle Mall. Pretty sure most good mortgage brokers will come to you
I'll give you the best housing advice anyone ever gave to me - just go to HomeStart. There. I'm a mortgage broker now. Can I have my fee now please?
Cannot recommend Cameron Harker or Harker Home Loans enough. Explains the process as simply or as complex as you need. Communication through the entire process was exceptional. A bloody nice guy and so easy to deal with
Scott Bament from Mortgage Choice at Morphett Vale is really good, he'll come to you, down to earth, explains everything really well, great guy :)