NZ Adviser’s Post

Non Bank Lenders One of the big advantages of using a mortgage broker is not just gaining access to a large and diverse collection of banks – but also being able to tap into a range of non-bank lenders. Australia has some outstanding non-bank lenders. For most borrowers in most situations, it makes sense to use a bank. But in some instances, a non-bank will be the best option, for three main reasons: 1. Non-bank lenders fill niches that mainstream banks either ignore or underservice. If you’ve got a non-standard financial profile or scenario, there’s a good chance a non-bank will be a better match for you than a bank. 2. Non-bank lenders often have more flexible lending criteria than banks, which means they’re more willing to say ‘yes’. 3. Non-bank lenders may produce faster turnaround times than banks, which can be essential if you need finance urgently. Remember – just because you haven’t heard of a particular lender, doesn’t mean they don’t have a strong track record. I specialise in helping business owners, executives and partners buy property. Contact me to discuss your scenario. M: 0415 721 454 E: luke.hanlon@lendingloop.com.au #homeloans #mortgages #nonbanklenders

This NZ Adviser article highlights the opportunities that First Mortgage Trust provide to advisers and brokers through flexible, tailored finance solutions, to enable them to help their clients #investment #lending #property https://lnkd.in/gdn2qbQw

💼 Facing the challenge of private school fees? Secta Finance offers a stress-free way to spread the cost of tuition. Whether it’s monthly payments or longer repayment plans, we’ll find a solution that fits your needs. 🎯📊 💡 Get started today: https://hubs.li/Q02NlTxX0 #PrivateSchoolCosts #SmartFinancing #ParentsPeaceOfMind #SectaFinance SECTA FINANCE IS A MORTGAGE BROKER WORKING WITH A PANEL OF LENDERS. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBTS SECURED AGAINST IT. Secta Finance Limited is authorised and regulated by the Financial Conduct Authority (FRN: 820181).

🚀 Why Non-Bank Lenders are on the Rise in Mortgage Brokering 🚀 As the mortgage landscape shifts, more brokers are turning to non-bank lenders to meet client needs. Here’s why: 🔹 Flexibility for Unique Circumstances: Non-banks are ideal for clients with unconventional financial situations. Nearly 90% of brokers recommend them for this reason. 🔹 Competitive Pricing: Non-bank lenders consistently offer better rates and loan products, making them attractive when pricing is crucial. 🔹 Faster Turnaround: Time is money. Non-bank lenders often outperform big banks in processing loans, enhancing client satisfaction. Diversifying into non-bank lending? You’re ahead of the curve! 📈 #MortgageBrokers #NonBankLending #Finance #ClientFocus #BusinessGrowth

The Rise (and Need) of Second Tier Lenders ⬆ 📉 The #mortgage market is seeing a significant shift as non-bank and smaller lenders gain ground on major #banks. The market share of these smaller lenders has risen to almost 43%. This shift is largely driven by stricter stress-testing regulations that major banks face, which many non-bank lenders are not subjected to. 👮♂️ Under Australian Prudential Regulation Authority (APRA) guidelines, banks must ensure that potential borrowers can repay their home loan at an interest rate 300 basis points higher than advertised (not factoring some lower buffer rates for certain refinance clients). With the cash rate at 4.35 per cent, the chief executives of the country’s biggest banks have complained the rule makes little sense and constrains their ability to lend, especially to younger cohorts. Many non-bank lenders are not subject to these rules. 🏠 Firstmac Chief Financial Officer, James Austin said, “No one realistically thinks there is another 300 basis points of inter For Inquiries Contact: Ozair Turabi📲 +61 410 321 786 #ozairturabi #ljhooker #realestateaustralia #investments #realestatebusiness #LocalRealEstate #realestatememes #realestateagent #realestatetips #nsw #realestate #realestateagent #dreamhome #realestatelife #realtorsofinstagram

£1,400 Monthly Savings with Regulated 2nd Charge Mortgage 🏡 Debt consolidation is one of Karis Capital’s lesser-known services but is among the most rewarding when helping a client out of a difficult situation. This borrower needed to consolidate secured and unsecured debt, including tax liabilities, to reduce monthly outgoings and avoid more missed payments ahead of an expected mortgage rate increase. Karis secured a regulated 2nd charge mortgage, consolidating all debts and reducing the client's monthly payments by £1,400, providing financial relief and the ability to build savings for future needs. Francesco Amato CeMAP, assisted by Hayden Watts, from our Regulated Mortgage desk delivered invaluable support to this client, securing a tailored solution that made a real difference 🏛️ Hello@kariscapital.co.uk for any enquiries 📧 #secondchargemortgage #secondcharge #debtconsolidation #regulatedmortgages #residentialmortgages #mortgages #specialistmortgages #propertyfinance

We're pleased to share that Steven Galdona (MAICD, Fellow FIML) and Solomons Capital have been featured in Australian Broker, an industry leading publication covering broking and mortgage lending. In the article, Steven discussed the unique benefits of Solomons Group’s integrated services, highlighting our core pillars: wealth management, legal, accounting, and capital services. He stated, "We’re a one-stop shop; any customer or broker that comes direct can have that client managed by Solomons Group, because we cater for them across those different pillars." He explained our focus on fast private capital, especially for clients who need quick funding solutions that banks may not provide. 💡 This feature from Australian Broker highlights our mission to foster meaningful connections and support our clients in the lending sector. We look forward to increased engagement and coverage as we continue to grow in the private lending space. 📈 Read the feature here: https://lnkd.in/gsaGi5Gj #PrivateLending #Mortgage #Broker #AustralianBroker #PrivateCredit #Credit #Property #MediaRelease #MediaFeature #PrivateMarkets

📈 Offset accounts have hit new highs 📈⁣⁣ ⁣⁣ Somehow, it turns out not everyone is scratching for cash right now.⁣⁣ ⁣⁣ Many home owners have money stashed away in their home loan offset accounts. 😮⁣⁣ ⁣⁣ There’s a record $265 billion tucked into offset accounts around the country, according to APRA quarterly data.⁣⁣ ⁣⁣ And it’s seeing borrowers save around $1.4 billion in monthly interest charges (RateCity estimate).⁣⁣ ⁣⁣ Trouble is, offsets aren’t suitable for everyone. 🤔⁣⁣ ⁣⁣ They don't work with fixed-rate home loans (unless you split it half-half with variable), and they tend to work best if you have big savings.⁣⁣ ⁣⁣ Could it be right for you though? Call us today to find out. 👇⁣⁣ ⁣⁣ To find out more, DM us or contact Belfast Wealth Management on: ☎ – 03 5568 2940 💻 – fp@belfastwealth.com.au #belfastwealthmanagement #investment #property #mortgagebroker #mortgage #homeloan #refinance #investors #firsthomebuyers #portfairy #portfairyfinance #portfairymortgagebroker #portfairyhomeloans #portfairyrealestate #portfairyproperty #victoria #victoriaproperty #victoriarealestate #victoriabroker #victoriafinance #victorialoans * Belfast Lending Pty Ltd (Credit Representative Number 502388) & Amy Harman (Credit Representative Number 503318) are Authorised Credit Representatives of outsource Financial Pty Ltd, Australian Credit Licence Number 384324. Your complete financial situation will need to be assessed before acceptance of any proposal or product. All applications will be subject to lenders terms & conditions. At Belfast Wealth (ABN 64 619 571 505), we are committed to protecting your privacy. We use the information you provide to advise about and assist with your finance needs.

Most books about credit repair are a waste of time. These aren’t: 1. Australian Credit Solutions—We fix bad credit so you can get loan approvals. 2. Partnering with mortgage brokers to help clients clear their credit files. 3. Credit education to maintain a healthy score. 4. Personalized solutions for your financial needs. 5. Expert guidance you can trust. Any others you’d add? #ClientTestimonial #FinancialSuccess #CreditRepair #AustralianCreditSolution #HappyClients #creditscore #creditsolution #fixcredit #improvecredit #fixmycredit #improveyourcredit #financialfuture #financialfreedom #stresstosuccess #Australia #BadCredit #DreamComeTrue #LoanApproval #NewBeginnings #lowcredit #HomeOwnership #MortgageTips

#mortgagebrokers What sets me apart from other Account Executives? For starters, I answer my phone. What sets Champions underwriters apart from other underwriters? THEY ANSWER THEIR PHONE, TOO! If you have a self-employed borrower, an investment property, an ITIN borrower, or a Foreign National borrower, Champions should be your first choice. Contact Senior National Account Executive, Michael Rudnick, at michael.rudnick@champstpo.com or 443-289-1772 for details. #dscr #dscrloans #foreigninvestors #bankstatementloans #1099loans #foreignnationalloans #nonqmlending #nonqm #itin #itinloans #itinmortgage #mortgage #wholesalemortgagelending