YOUR AWARD-WINNING AVALON MORTGAGE BROKER
HOME LOANS AND FINANCE
WE ARRANGE IN AVALON BEACH
Home Loans
Investment Loans
Re-financing
Business Loans
Vehicle Finance
Asset Finance
Personal Loans
Financial Planning
A lot of people buying in Avalon Beach don’t have a payslip. They run a business, contract, or earn across a few different sources, and the income assessment is where the application either works or falls over.
Lenders treat that income very differently to each other. Some want two full years of tax returns, some will work from one, some accept an accountant’s declaration, and some will add back expenses that others ignore.
Getting the lender choice right before you apply is most of the job. That is the part we do.
Send us your situation and we’ll tell you where it fits.
WHAT WOULD YOU LIKE TO DO?
Buying your new home is always an exciting experience – from discovering that perfect property, to moving your belongings in and making your new house a ‘home’, it’s a fantastic journey.
With Australian real estate delivering impressive returns over the past decade, property can represent a solid long term investment plan.
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Whether re-financing your home or building a property investment portfolio, it pays to get an expert broker on your side for essential strategic advice.
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Whether you are looking to purchase your next family car or a whole fleet of vehicles, your Zippy Financial consultant will chat with you to understand your unique situation and tailor a loan structure to suit you.
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Add Asset Finance to your debtor finance or invoice discounting facility to maximise available funding for growth.
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We all need a little extra money from time to time. Whether it’s for your next travel venture, consolidating debt, financing your child’s education, planning your dream wedding, or doing a mini reno.
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AN AWARD-WINNING BROKER
FOR AVALON BEACH HOME LOANS
A self-employed application is won or lost on which lender sees it. One will average two years and cap you there. Another will take the most recent year because the business is growing. A third will add back depreciation, director’s super and one-off costs that the first two counted against you.
That is the whole exercise, and it needs a panel wide enough to have options. Ours runs past 60 lenders, including non-banks that treat business income as income.
Zippy has been broking since 2015, founded by Louisa Sanghera after 25 years in banking. Clients tend to stay, partly because we go back to the lender twice a year to renegotiate the rate without being asked.
We’re a Northern Beaches business covering the whole peninsula, from Avalon Beach down through Bayview to Palm Beach.
CLIENT STORIES FROM NORTHERN BEACHES BORROWERS
HANNAH & MITCH
We are over the moon with Zippy’s help! Louisa and the team are absolutely amazing! We couldn’t recommend them enough! The amount of effort and hours they put in to help us secure our loan for our first home was crazy!
RHIANNON & LUKE
Zippy made the whole process very easy for us through what has been an interesting time of continually changing legislation and lending policies, and requirements. They were one step ahead all the way.
LINDA & DENNIS
Thank goodness for Zippy, who went far beyond the responsibility of a mortgage broker. They took on problems with other service providers that they didn’t need to deal with, gave us amazing advice, and not just about the mortgage itself.
WHY AVALON BEACH CLIENTS CHOOSE ZIPPY
Exceptional Service
Over 60 Lenders
Expert Team
Multi Award-winning
Speedy Service
Clear Communication
Pro-active Processing