Mortgage Broker
in Manly
HOME, INVESTMENT AND EXPAT LOANS IN MANLY
Home Loans
Investment Loans
Re-financing
Business Loans
Vehicle Finance
Asset Finance
Personal Loans
Financial Planning
Manly has always drawn people who work overseas or have only recently arrived, and that’s the hardest kind of file to get through a standard application.
Foreign income gets shaded, sometimes heavily. Visa status decides which lenders will look at you at all. If you’re an Australian citizen paid in another currency, some lenders discount that income by twenty per cent or more before they even start.
The lender you pick decides the outcome, not the paperwork you assemble. We’ll tell you which ones are worth approaching.
Send us your situation, wherever you’re currently based.
BUYING, INVESTING OR RETURNING TO MANLY?
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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WHY EXPAT BUYERS USE A MANLY MORTGAGE BROKER
Non-resident and expat lending narrows fast. Some lenders won’t take foreign income at all. Others will, but only certain currencies, only PAYG, and only with a larger deposit. Visa subclass matters, and so does whether you’re planning to live in the property or rent it out.
Our panel runs past 60 lenders, and overseas buyers is a service we already run rather than an exception we make.
Zippy was founded in 2015 by Louisa Sanghera after a 25-year banking career. We handle the time-zone gap, the document chasing and the lender follow-up.
We arrange finance across the Northern Beaches, including Manly and Fairlight, and everywhere else we cover.
Member of the MFAA.
Clients stories
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.
- Always talk to your broker first so you know exactly how much you can borrow and avoid disappointment. Here at Zippy, we can do that for you in as little as 10 minutes.
- Before you start your Manly 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 reviews are included. Speed is important in a competitive market, and Manly 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 Manly, 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 Manly, 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 consider 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.
WHY MANLY BUYERS CHOOSE ZIPPY
Exceptional Service
Over 60 Lenders
Expert Team
Multi Award-winning
Speedy Service
Clear Communication
Pro-active Processing