Total Members: 158,534

Anitamarshall

  • Anitamarshall replied to the topic Mortgage broker needed in Melbourne. in the forum Finance 17 years, 5 months ago

    Have you managed to locate one?

    I would be happy to discuss the services that I offer with you. I specialise mainly in property investors (and have another broker that works for me that handles first home buyers etc).

    Anita Marshall
    Advanced Finance Solutions
    http://www.advancefinance.com.au
    [email protected]

  • Anitamarshall replied to the topic mortgage broker needed in the forum No Subject 17 years, 5 months ago

    hi Morty – how did you go?

    I would be happy to help you.

    We have very high service standards. I always make sure that loans are submitted the same day we take the application (unless it is a night appointment of course then it gets loaded the following day). We also update you with progress reports whenever anything is updated on the loan.

    I…[Read more]

  • Anitamarshall replied to the topic should I go with powerloan for my first home loan? in the forum Finance 17 years, 5 months ago

    If they are a mortgage broker ask them to give you some comparisons of other products to theirs – they should be able to do this. There are some excellent interest rates around for 100% home loans (if that is what you are doing) and also some competitive fixed and introductory rates at the moment – definitely shop around.

    Anita Marshall
    Advanced…[Read more]

  • Anitamarshall replied to the topic Aggregator Advice in the forum Finance 17 years, 5 months ago

    hi there – I am with Plan Australia and my cousin uses FAST.

    The reason I chose Plan above FAST is that they provide a lot more support, software and other things for a new brokers. I think FAST is probably excellent for highly experienced brokers but Plan offer a lot more ie:-

    – regular lender training days
    – they will give you your own website…[Read more]

  • Anitamarshall replied to the topic Rent to Buy, Melbourne – Advise Please in the forum Finance 17 years, 5 months ago

    hi there – i have 3 different clients that set up these type of deals on a regular basis. I am happy to put you in touch with them if you would like me to? If so send me an email or phone me and we can take it from there.

    Anita Marshall
    Advanced Finance Solutions
    http://www.advancefinance.com.au
    [email protected]

  • Anitamarshall replied to the topic Quick Firstmac questions in the forum Finance 17 years, 5 months ago

    Have you found out everything you need to know – if not let me know and i will email you some information if you like.

    Anita Marshall
    Advanced Finance Solutions
    http://www.advancefinance.com.au
    [email protected]

  • Anitamarshall replied to the topic Rewind two years in the forum Finance 17 years, 5 months ago

    I can honestly say i have never heard of it.

    Anita Marshall
    Advanced Finance Solutions
    http://www.advancefinance.com.au
    [email protected]

  • Anitamarshall replied to the topic No Doc loan help in the forum Finance 17 years, 6 months ago

    A no doc loan could be a good alternative for you. YOu dont declare any income simply that the loan wont put you into financial hardship.

    Most lenders will go to 70% of your property value and some will go to 80% if you have had an ABN for more than 2 years. There are also some that will go higher on a low doc (where you state an income but if…[Read more]

  • Anitamarshall replied to the topic home loan in the forum Finance 17 years, 8 months ago

    I agree with Terry – you rate might not be the best but it certainly isnt terrible and its going to cost you quite a bit to change. Another option may be to go back to the same lender and see if there is any product switch available – for a small fee you might be able to swap to another loan type with a more competitive rate.

    Anita…[Read more]

  • Anitamarshall replied to the topic No Docs: A Potential Problem in the forum Finance 17 years, 8 months ago

    I had the same issues twice with clients recently. One of them I got around by using an uninsured product through a lender called Stellar Finance (but they will only go to 70% uninsured) – the other one I got around because the client was insured with RAMS through PMI so we put the application through Stellar with Genworth instead of PMI –…[Read more]

  • Anitamarshall replied to the topic LO DOC/NO DOC in the forum Finance 17 years, 8 months ago

    I dont know of any books on the subject however if you contact an experienced broker they should be able to give you the details you require.

    Things to keep in mind:-

    – No doc doesnt require you to state an income at all – simply that you can afford the loan
    – Low doc requires an income declaration and depending on the lender some also require…[Read more]

  • Anitamarshall replied to the topic LODOC Incomes in the forum Finance 17 years, 8 months ago

    If you only need 80% LVR then i would suggest you go the “no doc” option on your declaration. This is where you dont state an income at all – simply that you can afford the repayments. No income, asset or liability verification is required. Interest rates are now very competitive for No Doc loans and this doesnt tie you into any income declaration…[Read more]

  • Anitamarshall replied to the topic Is THE INVESTORS CLUB for real? in the forum Heads Up! 17 years, 12 months ago

    I am fairly sure that I have seen someone on the forums that is actually from the investors club so it may be worth having a look to see if you can find them and ask them the questions direct.

    I handle loan enquiries for my area for clients purchasing through the investors club.

    My understanding is that they receive a commission similar to if…[Read more]

  • Anitamarshall replied to the topic Finance enquirie in the forum Finance 17 years, 12 months ago

    Most lenders have bridging products these days based on their standard interest rates for a home loan.

    Some lenders also have “end debt” bridging loans which is where you are only required to pay the payments on what your end debt would be once your existing property is sold. This can be very helpful for your cashflow position while you are…[Read more]

  • Anitamarshall replied to the topic Stamp duty & Fees in the forum Finance 17 years, 12 months ago

    Which state? the stamp duty varies from state to state.

    NSW would be :-

    $5490 for stamp duty on the purchase
    $1500 – $2000 legals (should be able to do it a bit cheaper but depends on what searches/inspections you decide to do)
    $769 mortgage stamp duty (depending on the amount you borrow)
    $1000 – allow for adjustment of rates/other variables (…[Read more]

  • Anitamarshall replied to the topic Finance for flood prone properties in the forum Finance 17 years, 12 months ago

    Good point with regard to resale. As Terry mentioned the lender may also require a flood certificate from council. Some councils will not issue them for certain flood zones (eg. Port Stephens Council will not issue flood certificates for Salt Ash) so i would also make enquiries with the council in regards to what they will and wont issue.

    Anita…[Read more]

  • Anitamarshall replied to the topic A tricky question requires lateral thinking in the forum Finance 17 years, 12 months ago

    With the amount of equity you have in your property you should have a selection of lenders that you will be able to apply through. I would recommend approaching a broker who can do some shopping around for you and come back to you with a selection of lending options.

    Anita Marshall
    Advanced Finance…[Read more]

  • Anitamarshall replied to the topic 2 sperate loans or joining 2 together in the forum No Subject 17 years, 12 months ago

    I definitely recommend you keep them seperate – most accountants prefer it that way too because it allows them to keep the profit/negative gearings aspects seperate for tax time too.

    If you need to use the equity in your existing property there are ways of structuring the loan to keep them seperate too.

    Anita Marshall
    Advanced Finance…[Read more]

  • Anitamarshall replied to the topic Help for refinancing 3 houses in the forum No Subject 18 years ago

    No, i am not qualified to give taxation advice. I am a mortgage broker only so therefore would recommend that clients seeking financial advice regarding structure for taxation purposes seek advice from their accountant. I often call their accoutnants for them and discuss structure for the client. I do know of a few brokers who are also qualified…[Read more]

  • Anitamarshall replied to the topic Tax deductions on subdivision in the forum Legal & Accounting 18 years ago

    I cant see why not but i would recommend you check with your accountant – us brokers are not qualified to give clients tax advice and often an accountant will come up with structures for loans that will maximise tax benefits.

    Anita Marshall
    Advanced Finance Solutions
    http://www.advancefinance.com.au
    [email protected]

  • Load More

Anitamarshall

Step 1 - 0% Complete

Fill Out Your Member Profile Below

Fill in the required fields below to complete your registration.

Registration not only grants you full access to this website, but will also enable us to send you our newsletter, latest investor tips, strategies and information about events/products relevant to investors. You can opt out at any time.

Used to log in to the website and for targeting with messages. Alphanumeric characters only. No spaces allowed..

Member Login
Lost your password?
×
158,534

Register Free To Unlock Unrestricted Access To PropertyInvesting.com

×
1-Day Millionaire Mastermind Workshop - Only LIVE Training in 2019!