Homepage – Finance Broker

 

 

 

Residential Finance – First home, next home, investment or refinancing.
Commercial Finance – Purchasing commercial property, buying a business or have business finance requirements
Vehicle Finance, loans, car loan, mortgage broker, finance broker
Vehicle Finance – New vehicles, earth moving equipment, trucks & trailers

 

 

 

 

 

 

 

                                                                                     

As a Finance Broker I work with you to get the best loan for you that suits your current situation.  I aim to get a positive result first time, each time.  Providing open communication along the way to guide you through the process. 

Testimonials

Thanks again for persisting and getting us over the line.  The bank you recommended is hilarious and they throw humour into everything!!!  Very cool bank and suits our personalities perfectly!!

B & S – Wynnum, Qld

Thank you so very much Angie.  You have been so professional and patient, giving us such clear guidance.  Sometimes people say “we couldn’t have done it without you’ – and we really could not have!

B & A – Tasmania

Totally AMAZING! Got knocked back by the bank and was suggested that we go through Angie. SHE got us through so fast! Get on board with this lady asap!

M & S – Kingaroy, Qld

 

We would like to take this opportunity to thank Angie Kayser for her exceptional service and professionalism through dealing with our finance matters over the last couple of years.  We would recommend Angie to anyone and will always go directly to her for our finance needs.  We have been extremely impressed with Angie’s knowledge within the finance industry and have every faith in her judgement and advice.  When we first approached Angie we had been told by other organisations that we could not borrow.  Angie studied our business and worked directly with us to  find a solution.  We have now purchased two properties with her within a two year period.

M & R – Redland Bay, Qld

Our experience with Angie was positive and professional from day one.  At all times, she paid close attention to every detail, ensuring we were kept advised every step of the way and that we understood every document which needed our signature – with no question being too stupid to ask. We were always treated with intelligence and respect. We would recommend Angie without hesitation to those who seek guidance and/or assistance with their financial affairs.

N. & K, Perth, WA

 

 

 

 

 

About us

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As a Finance Broker, I work for my clients and it is my job to get the right loan for them, that will be beneficial now and in the long term.  I aim to get a positive response first time every time.  Being in the industry for 20 years has provided me with the knowledge and know how to deal with the banks.

What I will do…

– guide you through the property finance/buying process;

– provide you with information on your budget and costs;

– listen to your needs and discuss what your future goals are;

– be the contact point for you and all other parties involved;

– ensure you understand everything so you can make an informed decision;

– give you guidance in relation to the banks and their processes

– return your calls

What I won’t do…

– put you into a loan that you did not want;

– get you into a loan that I feel will be a strain on you financially;

– stop communication after your loan has settled

What finance can I assist with….

– Residential home purchases (first home, next home or investment);

– Refinance or restructuring your current loans;

– Access equity in your home for investment purposes;

– Commercial building purchases (office, retail, industrial, warehouse);

– Business purchases (existing, start up and franchises);

– Business finance needs (business loans, overdrafts);

– Vehicles for business use (including trucks and trailers)

– Equipment (from computers to Earth moving equipment – as long as it is for business use)

 

Contact me today to get started

 

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Connect

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Thinking of buying and want to know what your budget is before you start looking for property?  Get a better rate for your home loan or even purchasing a new vehicle?  Even if you are not sure what you want to do I can look at your finances and make some recommendations.

I can assist you with advice in the beginning and guide you through the whole process until you are the proud owner of your new property.

Contact me and lets start the process

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WANT TO INVEST BUT DON’T KNOW IF YOU CAN?

Have you thought that you would like to become an investor but thought is was too far out of your reach or not quite sure what was involved?  It may be more within your reach than you think.

The thing about investing is that while you do have a loan that you are responsible for, ideally you will have tenants in the property that you will receive rent from and that will cover a majority if not all of your monthly mortgage payments.  Obviously this will be determined by the size of your loan, the rental return and the interest that you are paying.

Here are some points that you will have to keep in mind;

1. You will need to have a minimum 10% deposit plus any costs, such as solicitors fees and stamp duty,  5% of this deposit will also need to be shown as savings that has been held or accumulated over a 3 month period.

2. You will also be responsible for council and water rates, insurance and any repairs that are required.  for any newer properties that are water efficient you are able to pass on the water costs to the tenants.

3. Anything that you spend on the property such as monthly interest, council rates & water, insurance, repairs, improvements, bank fees and agent costs are all tax deductable.  This may reduce the amount of tax you pay or at least reduce your tax debt at the end of the tax year.

The best place to start to see if this is something that you could do would be to see a Broker.  By doing this they will be able to have a look at your current situation, work out the maximum loan that you can afford and by doing this you know how much you are able to spend and what deposits you will need to save for.