Nicky Orchard home finance broker
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mobile: 0419 575 449 phone: +61 7 5475 4500 fax: +61 7 5452 7490 |
I have been in the finance industry for the past 12 years, the most recent four as a mortgage broker on the Sunshine Coast of Queensland. Through life experiences of living in towns such as Hughenden and Biloela in Central Queensland to the beautiful beaches of Byron Bay, I can relate to people of all calibres and at all stages of life. I love to help my clients achieve their dreams. I am passionate about helping people and my clients are more to me than just that, they are lifelong friends. I don’t just help you through until settlement, for me, that’s when the relationship really begins. From that moment on, I stay in touch with you so I can help you with any questions, changes to your finances or a simple review to make sure everything is ok.
First home buyers
I work with a lot of first home buyers and see at first hand how daunting many people find the process of securing their first home loan, let alone finding and purchasing a property! There’s no greater satisfaction than being able to tell a first home buyer that they have had their home finance application approved, and my goal is to make the process easier and less stressful. To achieve this I will walk you step-by-step through the loan application process, helping you to complete the paperwork, submit the loan and monitor the process. I will also assist you to determine your eligibility for the First Home Owners’ Grant (FHOG) and if applicable, complete and submit the paperwork on your behalf.
The average age at which first home buyers are purchasing their first property is increasing to somewhere in the 30s thanks to a combination of factors including affordability, people choosing to marry and start families later in life, and lifestyle choices. Even though most standard loan terms are 25 to 30 years, if you are an older first home buyer I can show you a variety of tips and tricks that will increase your chances of paying out your home loan early and retiring debt-free.
Find a low interest rate
After a period of high interest rates, borrowers should be encouraged about the possibility interest rates will start to decline soon, despite the recent independent moves of many banks and lenders. If you need to move before interest rates do, I can help you find a competitive interest rate from a large range of major banks and lenders, both fixed and variable.
Lower interest rates, while helpful, are not the sole ingredient for successful borrowing and you might be surprised at how many options are still open to you right now. I can help you check out the options available to suit your circumstances.
Investment finance
To make the most out of your investment you need to make sure your finance is structured correctly. From years of lending experience, I know a suitable investment finance structure will help you maximise your earning potential, once you find the right property. Depending on the type of property you buy and whether you are new to investing or hold a substantial property portfolio, there is a range of finance options available to choose from. Before finalising your finance you should consider your overall investment plan and goals, your current financial situation including existing personal debt, and your taxation position; I will work with your accountant or financial planner to make sure your finance matches your requirements in all these areas.
Low doc and no doc loans
Tighter credit criteria is a reality but there is still an excellent range of low documentation (low doc) loans available to borrowers who find they don’t have the financial documents to support a traditional loan application. If your loan application has merit, you can still achieve a favourable outcome, and perhaps more importantly, the total amount you can borrow as a percentage of the property value and the interest rates available are still.
Commissioner for Declarations
As a Commissioner for Declarations, I know which documents your lender will require and I can certify the necessary documents.
Sunshine Coast customers
I live and work on the Sunshine Coast in Queensland. I am based in Maroochydore but have clients throughout the area, including in Coolum Beach, Mooloolaba, Caloundra, Buderim, Noosa, Tewantin, Kawana, Buddina and Currimundi.
For more information on home finance or to talk to Nicky Orchard
Click here, or call us at any time on 13LOAN.
