YOUR AWARD-WINNING LANE COVE MORTGAGE BROKER
OUR SERVICES INCLUDE
Home Loans
Investment Loans
Re-financing
Business Loans
Vehicle Finance
Asset Finance
Personal Loans
Financial Planning
As a leading mortage provider in Lane Cove, we’re here to secure the best possible loan and structure for your property purchase, save you money on your existing loan, and continually re-price and renegotiate your loan with your lender to make sure you never pay a penny more than you have to. And we do it all with friendly, speedy service as our name implies.
Get in touch and get a Zippy broker in your corner.
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.
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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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Zippy Financial offers a wide range of variable home loan rates, tailored to suit your individual needs, empowering you to find the perfect financing solution for your dream home.
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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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Zippy Financial Group is a multi-award-winning mortgage brokerage, dedicated to helping you to grow your wealth through smart property investment.
Whether you are buying or re-financing your Lane Cove home, or building a property in- vestment portfolio, your property is undoubtedly a significant asset that can be leveraged to build wealth. It pays to get an expert broker on your side for strategic advice. Low rates are just part of the picture – there are many other factors that determine the true value of your loan. Every loan should be tailored to meet your individual circumstances. This process is second nature to your Zippy Mortgage Broker! Our experience and relationships with over 60 lenders means we can guide you through the maze of paperwork and compliance infor-mation required to secure exactly the right loan for you.
- Always talk to your broker first so you know exactly how much you can borrow and avoid dis- appointment. Here at Zippy, we can do that for you in as little as 10 minutes.
- Before you start your Lane Cove property search, let us arrange your pre-approval. That way you can seize the day when you find your dream home and get ahead of the other buyers.
- Instruct a conveyancer as soon as possible. Check their fees and how many contract re- views are included. Speed is important in a competitive market, and Lane Cove is a popular suburb, so having someone ready to review and advise you on contracts is essential. Ask us if you would like a recommendation.
- If you’re not familiar with Lane Cove, drive around to see which areas you like to get a feel for the streets and communities. Consider these locations’ proximity to schools, shops, and public transport – or whatever amenities are most important to you.
- There is a good mix of apartments, duplexes, and single dwellings old and new in Lane Cove, so make a list of features you are looking for, to help refine your search.
- It goes without saying, you’ll be checking the real estate websites almost daily, but consid- er working with a buyer’s agent. They are excellent negotiators and can save you a lot more money than you will spend on their fees. They also have strong relationships with local agents and often have off-market properties they can present to you.
CASE STUDY – LANE COVE HOME LOAN
We worked with a single woman in Lane Cove who was feeling pretty nervous about taking the plunge into the property market. She could afford a mortgage, but she struggled with anxiety and was really stressed about potential interest rate rises and whether she’d always be able to make her repayments.
What if she got sick? What if she lost her job? What if interest rates hit 15% and she couldn’t afford the mortgage on her own? She had plenty of great questions, and we loved that she was thinking everything through so carefully.
A THOROUGH BORROWING PROCESS
To put her mind at ease, we ran her numbers multiple times, showing her different interest rate scenarios ranging from 2% to 5%. We factored in annual pay rises, increases in her living expenses by 10% each year for the next decade—really stress-testing the figures to make sure she’d be in a strong position.
After reviewing everything, she asked for a meeting with her mum to go through the details, which we were more than happy to arrange. Following that, she and her mum spoke with her grandfather, a retired accountant, who had a few questions about how we’d calculated her borrowing capacity and our choice of lenders. So, we set up another meeting with her, her mum, and her grandfather.
At one point, she felt like she was being a bit of a nuisance, but we assured her she wasn’t at all! As brokers, we love educating our clients, answering questions, and making sure they feel confident about their decisions. We’d much rather people be thorough and make sure they’re comfortable rather than jumping in unprepared.
AN INCREDIBLE RESULT
By our seventh meeting, we’d locked in a purchase price and secured approval from her chosen bank. She started looking for a two-bedroom apartment in the area, but despite plenty of properties coming onto the market, she kept missing out. Everything was selling within days.
After three months of searching, she decided to take our advice and engage a buyer’s agent. She’d set aside $50,000 in savings and used some of it to hire the agent. Within just 10 days, they secured an off-market apartment at a fantastic price! She was moved in within 31 days.
Fast forward 18 months, and her apartment has increased in value by $120,000—an incredible result! She also landed a great promotion, significantly increasing her income. While interest rates have risen since she bought, she’s feeling confident and completely comfortable with her repayments.
Exceptional Service
Over 60 Lenders
Expert Team
Multi Award-winning
Speedy Service
Clear Communication
Pro-active Processing
Regular Rate Reviews
FAVOURITE ZIPPY HANGOUTS IN LANE COVE
Little Red Robin
We love this stylish little wine bar, nestled unassumingly in the lane behind The Canopy.
It has an enormous and impressive wine list, including organic and bio- dynamic wines, and the food is excellent too. Perfect if you’re looking for something a little quieter, but do book a table as it does seem to fill up quickly.
The Lane Cove Theatre Company
If, like us, you enjoy a little live performance, this theatre company has a great programme for productions for you to enjoy. Check out the 2024 schedule here…
The Canopy
The Canopy development has transformed this area of Lane Cove from a dowdy car park and back-street stores into a bustling community space. We love the mix of restaurants here, where you can enjoy a coffee, lunch, or dinner – or even grab a take-out and relax on the oval. The area has a fabulous family-friendly vibe, and often hosts live music and casual concerts.
