With more than 27 years' experience in banking and finance, I have worked extensively in home loan lending both in Banks and as a Mortgage Broker. Since following my passion to work exclusively as a Mortgage Broker, I have assisted hundreds of clients in securing home/investment loans, providing me first hand experience across all loan products, and in turn, giving you the peace of mind you need. I understand the diversity and culture of the Inner West of Sydney, and love the colour and variety of this area which I too am proud to call home. In a community like ours, I can find myself dealing with people taking the leap into the property market for the first time, people consolidating debt or just curious to find a better home loan deal, right through to seasoned investors new to or experienced in Self-Managed Super Funds and Hybrid Trusts. I understand that the service we provide you at Aussie Annandale will vary somewhat depending upon where you are your investment lifecycle. As a first home buyer you need a mortgage broker who can make this seemingly daunting process easy to understand. I work closely with local real estate agents and together we can help you find the right property and give you some tips on negotiating price for a property. This includes the First Home Owners Grant (FHOG) and stamp duty concessions.
If you're buying or constructing a brand new property up to the value of $800,000, the grants and concessions could save you tens of thousands of dollars. If you're a property investor, it's important to get the loan structure right to avoid tax complications and set you up for further investment if desired. Often it's beneficial to set up an offset account attached to your investment loan as opposed to a redraw option. I can work with you and your financial planner or accountant to ensure your investment loan matches your finances and goals, particularly when a trust (family, unit or hybrid) or other complex financial structure is involved. It's important if you are borrowing a large amount of money to make sure you are getting a good deal.
If your loan is greater than $500,000, a small change in your interest rate could save you quite a significant amount of money over the term of your loan, simply because you are dealing with some big numbers. The more you can save, the better obviously, and I am very good at negotiating interest rate discounts for borrowers with larger loan sizes.
Life's not always smooth sailing, and at difficult times you need the right advice around more sensitive topics. I have a good understanding of the divorce process, I have a lot of empathy for people going through this difficult stage of their life.
Regardless of your need, you can feel confident that I have the expertise as well as local legal and professional contacts needed to ensure a stress free and pleasant experience.
"Paula and the team were amazingly supportive. We were first home buyers and Paula always took the time to answer our questions and explain the numbers. It took us over 18months to find our home and we could not have done it without Paula. She has endless patience and expertise. Highly recommended." -Sonia S & Alastair G, Tempe NSW