Mortgage Services 2017-09-13T16:37:27+00:00

Announcer Financial Planning

Mortgages and Lending

The marketplace has an overwhelming amount of options available, and our team of experts are well equipped with access to all the available products & services, to help create a better outcome for your mortgage options. From debt consolidation, refinancing options, car lending alternatives with seamless navigation of all your lending needs.

There is no ‘one size fits all’ home loan.  But there is the ‘right one’ for you. Check out our massive array of services & get in touch with our outstanding team of Mortgage navigators! Our Mortgages team work very closely with our Property Team … offering the whole package to our clients.

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Your Mortgage Navigators

Chris Booth

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Chris BoothYour Mortgage Mentor for Life
Chris is the Head of Announcer Mortgages, following an extensive 15 year career in personal and corporate banking. As the Australian Credit License Holder, Chris is responsible for ensuring that Announcer Mortgages has access to the best in consumer and commercial lending products. Chris specialises in residential lending as well as commercial lending and small business lending.

Kevin Dunn

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Kevin DunnYour Mortgage Navigator for Life
Kevin has been with Announcer for over a year now and comes from over 15 years sales, BDM, AM roles in IT & Telecommunication sectors, specifically in Services.
Kevin hails originally from Greater London area but grew up (debatably) on a farm in Essex.

Tristan Cleggett

Tristan CleggettYour Mortgage Navigator for Life
Tristan joined Announcer after spending 4.5 years in the banking and financial services industry. He started at Macquarie Bank in Mortgage Operations, before focusing on a client-facing role and moving across to Aussie Home Loans. Having started recently at Announcer, Tristan has joined the Mortgage team, bringing his mortgage broking skills, and is a gun when dealing with the banks.
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Buying your first home

Announcer Mortgages specialise in guiding first home buyers through their first home purchase.

We know and understand you, and your needs as a First Home Buyer. Our whole business has been designed around making it easy for first home buyers to learn and understand the processes involved in buying your first home.

We help you with our thorough advice and information so you can ensure your first home loan experience is a truly rewarding one.

First Home Owner Grant

Just like a welcome house warming gift, the First Home Owner Grant (FHOG) can come in handy right when you need it most. The grant was set up by the Australian Government to help people like you buy their first home. What does this mean for you? If you’re buying a new or existing home and you qualify for the grant, you’ll receive a payment of $7,000.

Ready to buy? We’ll help you complete the paperwork and lodge your First Home Owner Grant application. That’s one less thing for you to think about when applying for a home loan.

For more information about government grants, visit www.firsthome.gov.au and select your State or Territory.

Property Investment Loans

Whether you need a property investment mortgage or property investment advice, we can help. We know how to maximize your borrowing capacity and package your investment loans for the greatest benefit.

You may choose to buy an investment property for many reasons – for instance, to have a regular and steady income stream or to take advantage of the associated tax benefits. Property investments is a sound way to secure your financial future. Loans for property investors are different to standard home loans.

Our lending consultants at Announcer Mortgages have years of experience in writing investment mortgages and can offer property investors highly competitive mortgage rates.

Property Investment Loans

We are also familiar with a number of mainstream and niche investment strategies, including:

• Negative, Neutral and Positive Gearing
• Unlocking Equity in your Home or other properties
• Buy & Hold (for rent return or capital growth)
• Renovate for instant growth
• Flips (buy low and sell quickly for a profit)
• Lease/Option (provide tenant with high rent lease and option to purchase)
• Wraps (act as quasi-lender and finance your purchaser through an installment contract)

Flexible Options

We have a choice of Home Loans to suit property investment, whether you need interest only repayments, or you’re a professional investor and want a correctly structured professional package.

Investing in property requires extensive research in order to determine the property most suited to your objectives and to reflect your financial goals and income. If negative gearing is a consideration, we can arrange an advice from our financial planners or accountants.

Refinancing Options

If your circumstances have changed or you think you can save money by shopping for a better deal it may be time to take a closer look at your home loan.

Refinancing home loans can be varied – you may want a fixed rate home loan or the best interest rate. If you are moving home, our combined home loan and conveyancing service is for you. Refinance loan, home loan borrowing, legal conveyance – whatever you need, we can help.

Does your home or investment
loan need a health check?

The loan that suited you once might not be working hard enough or flexible enough for you today.

In the process, we almost always save our clients money on each refinance as well – and the benefits can often be huge! Contact us to find out more if you think your home or investment loan needs a health check.

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Refinancing Loans

There are multiple reasons as to why you may look to refinance your loan, e.g.

• Mortgage markets have changed
• Interest rates have gone up or down
• Your personal circumstances have changed
• You want to borrow a little more
• You want to buy and investment

Refinance your home loan and whip your mortgage into shape.

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Business Lending

As your business grows and opportunities arise, Announcer Mortgages can deliver the right finance solutions, rather than simply handing you an off-the-shelf package.

Whether you’re looking to restructure or expand your business, overhaul the way you manage your cash flow or you simply need a hand managing your debtors, our personalized service is available to make your life easier and add genuine value to your business.

Please contact us to discuss your business lending needs.

Business Lending Products

The lending products we can provide are summarised below:

» Business Overdraft
» Cashflow Finance
» Business Loans – fixed or variable.
» Construction Loans
» Commercial Property loans
» Vehicle/Equipment Finance
» Trade Finance

Reverse Mortgages explained

Before you jump into a reverse mortgage do your homework. Check the Australian Government Moneysmart website, where you can find detailed information. A reverse mortgage is a complex product that can have a significant impact on your finances and relationships, and your quality of life in retirement. Here are some important things to consider before you decide to take out a reverse mortgage. You should also seek independent financial and legal advice, and speak to your partner and family before you jump in.

• Check these links:
What is a reverse mortgage?
The risks
Negative equity protection
How much can you borrow?
How much will a reverse mortgage cost?
Questions to ask the reverse mortgage provider