Mortgage Broker
in Queenscliff
HOME LOANS, DEPOSITS AND REFINANCING
IN QUEENSCLIFF
Home Loans
Investment Loans
Re-financing
Business Loans
Vehicle Finance
Asset Finance
Personal Loans
Financial Planning
Queenscliff prices mean most buyers face the same question: wait longer for a twenty per cent deposit, or buy now and pay lenders mortgage insurance.
There isn’t one right answer. LMI is a real cost and it protects the lender, not you. But two more years of saving against a rising market has a cost too, and for some buyers it’s the larger one.
What we can do is put actual numbers on both, including which lenders charge less LMI and which waive it for certain professions.
Get the numbers on both options before you decide.
HOW CLOSE IS YOUR QUEENSCLIFF DEPOSIT?
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 QUEENSCLIFF MORTGAGE BROKER
WHO SHOWS THE TRADE-OFF
LMI premiums differ between lenders for the same loan, sometimes by thousands, because they use different insurers and different scales. Some waive it entirely for particular occupations. Some let you add it to the loan, others want it paid up front.
Comparing that properly needs a wide panel, and ours runs past 60 lenders.
Zippy has been arranging home loans since 2015, founded by Louisa Sanghera after 25 years inside the banks. Once you’ve settled we review the rate twice a year and renegotiate it for you, which matters most in the early years when the balance is highest.
We cover the Northern Beaches, including Queenscliff, Freshwater and every other suburb we service.
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.
WHY QUEENSCLIFF BUYERS CHOOSE ZIPPY
Exceptional Service
Over 60 Lenders
Expert Team
Multi Award-winning
Speedy Service
Clear Communication
Pro-active Processing