Welcome to Aussie Townsville, and thank you for taking the time to read a little about us.
Our mission is to become your trusted home loan lending specialist for life. There are a multitude of options out there for people to consider when looking for home loan finance and it can become overwhelming. Some of the questions people typically face are where do I start, how much can I borrow and who has the cheapest rate?
At Aussie Townsville, we can help you answer these questions, but also aim to add value by providing guidance on other important factors, like:
- How the home loan could be best structured for your individual circumstances - Which lender’s policies best suit your circumstances and will consider approving your loan? - Which type of home loan best suits your needs, and helps you achieve your financial goals? - Whether you have considered relevant asset and income protection (insurance) for your financial situation?
Aussie has been in Townsville since the 1990s, servicing the region with a team of mobile mortgage brokers that could visit you at home or your workplace, and at a time that is convenient for you, that same quality of service isstill offered to this day.
Aussie Townsville was one of the first regional franchises to open in July 2006 and now has two offices for your convenience, Aussie Townsville at Domain Central and Aussie Townsville City in Sturt Street. Our team of Mortgage Brokers provide the same friendly, fast and free service that first set us apart from the rest. Our team can look after you 7 days a week whichever part of the region you are in, south to Bowen, north to Tully and west to Mount Isa.
We have developed a wealth of experience and expertise to assist you, no matter how unique your circumstances. We are proud to wear the Aussie brand and bring to you the benefits of being part of a group that has been voted Mortgage Broker of the year for 7 straight years.
Fees and referrals
Many people are surprised to learn that we do not charge them for our service. We receive commissions from the lender for introducing the loan to them. These commissions will be disclosed to you at the time we prepare your loan application. These commissions are not on-charged to you by the lender.
Our aim is to provide you with a first class, valuable service that doesn’t cost you anything. If indeed we do meet your expectations in that regard, the biggest favour you can do for us is to refer your friends and family to us. By referring new business to us, we can focus on our clients’ needs rather than chasing new business.
We will work hard to earn your trust so that you are comfortable referring people to us. Our business depends on it.
How we can help you
The First Home Buyer
This can be daunting. We will spend the time to answer your questions and make sure you know what’s involved, and whether you are in a position financially to purchase a home. It’s important to make sure you have as large a deposit as possible, and that you are comfortable with the minimum repayments you will be required to make, even if interest rates rise in the future. In assessing your financial readiness, we will discuss all options with you, including use of government grants and any potential family equity assistance. If you are not ready now, we will help put you on the path to purchasing a home in the future. If you are ready, we will assist you in obtaining pre-approved finance before you purchase a property. This will provide clarity on what you can afford to spend on a home, and make obtaining finance simpler once you do sign a contract to purchase.
The Property Investor
By now, you will have an understanding of what’s required financially to purchase a property. For you, we can assist not only in obtaining a great deal on your financing, but also provide free RP Data property reports to assist you research potential properties and areas that you are interested in. When purchasing a property for investment purposes, it will also be critical to review how your financing is structured to maximize your financial returns. Factors to consider include how to best preserve debt for tax deductibility purposes, interest only loans, and the use of offset accounts. The advice of an accountant is recommended at this point and is extremely valuable.
Services we provide
Asset, Equipment and Commercial Finance
Accessing our panel of lenders, as your local Aussie Broker we can now help you obtain Asset, Equipment and Commercial finance. Are you looking to buy commercial property? Time to upgrade the business vehicles? We can help you find the loan that's right for you – best of all your appointment with us is free! Asset finance can also be used to purchase new cars for your business, along with other equipment such as office equipment, heavy machinery, manufacturing requirements and much more. Aussie can help find you the asset finance that will suit you and your business.
We find the right loan for you from our panel of leading lenders. Some of these lenders may be willing to approve a loan for you, while others may not. We’ll help you by finding ones that suit your circumstances, and negotiating the right loan for you.
We understand our clients want a home, but invariably need a mortgage to make this possible. When entering into a large financial commitment, it is also important to make sure you are protected in case of an unfortunate incident. At Aussie, we offer mortgage protection insurance which can be arranged in conjunction with your loan application so that you get competitive cover when you need it.
Our Service Standards
Client needs come first
At Aussie Townsville, we listen and will take time to understand your needs and objectives before offering a solution. We have no lender preference and will recommend the loan for you with impartiality. We will not suggest you do something that we would not do ourselves. If you are looking for assistance on a matter that does not fit with our skill set, we will happily refer you to someone who is better placed to provide that advice.
We will do what we say we will do. Issues commonly arise with loan applications as we deal with the credit and settlement teams of our lenders. Our aim is to navigate through this on your behalf, to keep you informed at all times, respond to queries and ensure your loan settles on time.
While you may see us to obtain a home loan, we will endeavour to provide you with other value adding services. Whether you are a first time buyer, or experienced property investor, we will happily provide free RP Data reports to help you find the right property, and offer property and mortgage protection insurances to ensure you protect your lifestyle.
Meet our team
At Aussie Townsville we have an enviable team of qualified personnel to assist you. Regardless of who you meet with, the Townsville teams support each other to ensure your needs are met. The team is also backed by the first class support and systems of Aussie.
Franchisee, Aussie Townsville and Aussie Townsville City
Jim is a local to the region where he grew up in the Burdekin district on his family cane farm. Jim is Commercially Accredited and holds a Diploma in Finance and Mortgage Broking and has been with Aussie since 2002 when they launched their National Mortgage Broking Service. Jim is enthusiastic about growing the brand and the team of Mortgage Specialists in the Townsville region, and over the years the Franchise has won multiple awards with Aussie.
Franchisee, Aussie Townsville and Aussie Townsville City
Eric has been a local resident of Townsville since 1977 and has been in retail and business since 1982. He joined Aussie in 2003 as a broker and has since helped many customers with both residential and commercial loans to achieve their own property and financial goals. Eric’s goal is also to ensure the entire Aussie Townsville team and brokers are the most knowledgeable and credit savvy, enabling customers to feel safe, smart and special by delivering the right customer solutions with superior customer service.
Senior Aussie Broker, Aussie Townsville
Geoff joined Aussie in 2012 and has over 20 years experience in the banking and financial services sector. He has a Bachelor of Business Degree and holds a Diploma in Financial and Mortgage Broking Management. Geoff is a North Queensland local and was born and raised in the Burdekin. Geoff is passionate about helping clients achieve their dream of purchasing their first home or their first investment property.
Senior Aussie Broker, Aussie Townsville City
Kevin comes from a defence force family and travelled throughout Australia due to frequent transfers. Kevin started his finance career by joining his local bank as a teller in 1986. Progressing through to home loans and then commercial lending, Kevin learned his skills in banking, before moving into financial planning and mortgage broking. Joining Aussie in June 2015, Kevin holds diplomas in mortgage broking, financial planning and financial advising. He can draw on his wealth of knowledge and experience to work out the right loan structure to meet your finance goals. When not working Kevin is often running or cycling around The Strand.
Loans Processor/Aussie Broker, Townsville City
Sapphire joined Aussie in 2011 and has over 15 years experience in the banking and financial services sector. She has a Diploma in Finance & Mortgage Broking Management and was nominated in 2015 for Queensland Best Loan Administrator. Sapphire will work between you, your lender and solicitor to assist you through the loan application to settlement process. She is an invaluable member of the Aussie Townsville team.
Aussie Broker, Townsville
Greg has over 6 years experience as a Mortgage Broker. He has a Cert IV in Finance and Mortgage Broking and is currently studying for his Diploma in Finance and Mortgage Broking. Greg is passionate about helping his clients and will go above and beyond to ensure his clients get offered the right solution, that suits their needs and financial objectives. Greg is a local to the Townsville area having lived here all his life.
Aussie Broker, Townsville
Gavin has over 10 years experience in the Finance Industry. He has a Cert IV in Finance and Mortgage Broking and is currently studying for his Diploma in Finance and Mortgage Broking. Gavin’s main focus is on building strong relationships with all of his clients. This helps to ensure his clients get offered the right solution, that suits their needs and financial objectives. Being born and bred here in Townsville, Gavin has a strong knowledge and understanding of the local market and is always available to help with any question you may have.
Franchise Sales Support, Townsville
Emma is the newest member in our Aussie Townsville team, joining in October 2015. Emma is the first point of contact for all new and existing customers supporting their home loan needs. She currently holds a Graduate Diploma in Education, which has given her skills to focus on each individual’s requirements. Emma is involved in our ongoing customer relations to ensure all existing customers continue to be satisfied.
"As an experienced physio, I am asked to review complicated cases because people are looking for a second opinion. With Aussie, they are organised, professional and most importantly got me a great deal, and got me even a better one a year later. It is definitely worth asking Aussie for a second opinion."
Rodney H – North Ward
"Woo Hoo thank you so much Kevin for your assistance with my refinancing of my home. You guys have been wonderful and reduced so much stress for me. Kevin has been also a big help being able to communicate his own personal experience to me of the situation I am going through which has been a great help for me personally. Sapphire and Katrina keeping me informed throughout the whole process has never left me wondering about the progress of my loan application. A big thank you to all of you guys."
Troy D – Woombye, Sunshine Coast
I am very very sorry to have not replied sooner but life has been very depressing for me with on going property settlement issues and trying to keep my head above water! So it has only taken me til now to reply as I have had Kevin’s card near my computer to remind myself about the testimonial I wanted to write so finally here it is.
“My experience with Aussie Home Loan’s Broker Kevin Paine and his colleagues Katrina and Saphire was nothing more than brilliant offering excellent customer service and support.
From the moment when I walked in and had my first appointment to find a lender to refinance my home due to a relationship breakdown to the end when I signed with Westpac Kevin was not only a Broker doing his job but a wealth of knowledge that not only assisted me personally but, I also felt he was like a friend who I felt I knew for years.
As a veteran on a Department of Veterans Affairs pension from war related injuries, Kevin found a lender who would take me on and not discriminate because my only income was a war service pension. Kevin also showed a great knowledge of making sure that not only a lender would consider me as a future customer but that I would have the least amount of stress by finding a bank that would also do a free property valuation so I knew my lending capacity before any paperwork was lodged to refinance my family home.
If it wasn’t for Kevin I would never have known about governemnt family assistance entitlements that would also help me financially through my relationship breakdown as a single dad of three children under 6.
Kevin is a person who went above and beyond his ‘duty’ and not only offered great financial advice but, also a person who has a wealth of ‘world’ experience that makes him a great asset for Aussie Home Loans as a company as he gave me advice and support during a very stressful time in my life.
Katrina I hope this can be passed onto anyone to show just how happy I was with you guys. Thank you so much....