Mortgages

Before you commit to finance, consult one of our finance managers who can run through a finance strategy session and help you made the best possible financial decision. Whether you are looking to buy your first home or purchase another investment property we are can help you select and structure the best loan for you, assist you in working out your current and proposed cash flow shortfall and advise you on the borrowing capacity impact for future purchases.

Having assisted with over property investors since 2001, we can help with the following scenarios;

  • Impact of loan to value ratio for your purchase or refinance and highlight the real impact this has on cash flow risk,
  • Assist in setting up and using lines of credit,
  • Ensure the bank does not take your home as security
  • Assist parents in helping their kids purchase an investment property without going guarantor
  • Consolidation of personal loans & credit cards through equity in an existing property
  • Building a multiple property investment portfolio
  • Draw down equity from your property investment portfolio
  • Rent or buy decision for those considering purchasing their first home

Whether you are purchasing your first property or an experienced investor, we can guide you through the relevant steps to ensure you make a fully informed decision. Based on your overall lending requirements including the investment\home loan, line of credit requirements, loan to value ratio, borrowing capacity, lenders mortgage insurance limitations and security type, we will make a recommendation to use a particular lender. As such, the lender recommendation is based on the client’s goals and which lender is best suited in this regard.

Our Finance Managers are members of the Mortgage Finance Association of Australia and required to complete professional development of 60 hours per year. In the first two years of appointment, each Finance Manager is also required to complete the Diploma in Financial Services.

People often wonder how mortgage brokers are paid but feel reluctant or uncomfortable asking. On settlement of your loan, the selected lender will pay our company aggregator a one-off up front commission payment of your loan amount and ongoing monthly trail commission payments. This covers the cost of providing our mortgage broking service and is not charged to you in the form of a higher interest rate or additional fees & charges.

Davlin Mortgages Pty Ltd is a full member of the industry professional body, Mortgage and Finance Association of Australia (MFAA member number 42984) and an accredited member of Astute Financial Management Pty Ltd, which is our company aggregator. As a member of the MFAA, we must meet annual professional development requirements and are bound by their Code of Conduct and Disciplinary Rules, a copy of which can be downloaded from www.mfaa.com.au.