Mortgage Broker
in Palm Beach
HOME, HOLIDAY AND INVESTMENT LOANS IN PALM BEACH
Home Loans
Investment Loans
Re-financing
Business Loans
Vehicle Finance
Asset Finance
Personal Loans
Financial Planning
A lot of Palm Beach purchases are second homes, and lenders treat a second home differently to the one you live in.
You’ll usually be assessed as though you’re carrying both loans in full, because you are. If you intend to let the house out part of the year, only some lenders will count that income, and those that do apply a discount and often want evidence rather than an estimate.
Working out which lender takes the most sensible view is what decides how much you can spend.
Tell us how you plan to use it and we’ll work from there.
A SECOND HOME OR AN INVESTMENT IN PALM BEACH?
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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A PALM BEACH MORTGAGE BROKER FOR SECOND PROPERTIES
Holiday letting income divides lenders sharply. Some ignore short-stay income entirely and assess you on the salary alone. Some accept it with a substantial haircut. A few will look at a letting agent’s appraisal. The gap between the most and least generous is often several hundred thousand in capacity.
That’s the case for a panel of more than 60 lenders rather than a single bank’s policy.
Zippy was founded in 2015 by Louisa Sanghera after 25 years in banking. Loans are reviewed twice a year afterwards, which matters when you’re carrying two.
We arrange finance across the Northern Beaches, including Palm Beach and Avalon Beach, plus every area we cover.
Member of the MFAA.
CLIENT 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.
WHY PALM BEACH BUYERS CHOOSE ZIPPY
Exceptional Service
Over 60 Lenders
Expert Team
Multi Award-winning
Speedy Service
Clear Communication
Pro-active Processing