Mortgage Broker – Established Residential Investment & Home Loan Specialist

Sawyers Valley Home Loan - Refinancing clients to a Lower Interest Rate

Sawyers Valley Home Loan

 

Hello, my name is Nathan and welcome to my Sawyers Valley Home Loan web page. I specialise in assisting clients to refinance to a lower Interest Rate that may potentially save them thousands in Bank Interest and years off your loan term.

To find out if you qualify for a Sawyers Valley Home Loan you can skip to my Contact Us page and contact me direct.

Google Maps

Sawyers Valley is only 14.3kms away from my home office in Parkerville. A quick 5 minute phone call will determine if I can assist or not and if I can then I will come and visit you in your home. I predominately meet with my clients after hours giving you time to get home from work, have your dinner, sort out the kids and prepare for our get together.

Sawyers Valley Home Loan – Suburb

Sawyers Valley, from a lending perspective, is classified as Metropolitan, meaning it is within 50kms of a capital city.

According to the 2011 Census there were 369 Occupied Dwellings in Sawyers Valley, which I sourced from REIWA’s website:

Many, many moons ago my grandfather lived and worked in Sawyers Valley, which is quite amazing that I am now helping the local residents with their Home Loan needs.

Sawyers Valley Home Loan – Criteria

Every Lender has their own criteria, not just from a serviceability perspective but also from a property perspective.

Essentially a Lender needs to make sure that your property is going to be good security, something that they can sell quickly in the case of an emergency and so to comply with my Sawyers Valley Home Loan your property must be:

  • Connected to town power and water (although understanding many properties use bore water or rain water, these properties will be assessed on a case by case basis)
  • Be less than 10 hectares (24 acres)
  • Property is not used to make a commercial income (a hobby farm is fine but the money used to service the debt, the Home Loan, is not derived from any commercial operation on the property)
  • The land usage is Residential or Rural Residential

Sawyers Valley Home Loan – Serviceability

The definition of ‘Serviceability’ in the Lender’s eyes is:

  • Can you afford the Home Loan that you are applying for, your existing (ongoing) debts like Credit Cards, Car Loans or Personal Loans and your Living Expenses without financial hardship?

Under the NCCP (National Consumer Credit Protection act), every Mortgage Broker must prove to the Lender that you can afford this Home Loan and that you can repay it before you retire. Downsizing your home in retirement is no longer an acceptable strategy to repay your Home Loan before you retire. This is why I need to look at your Superannuation, your other debts and your ongoing income before I can submit your Home Loan application.

Sawyers Valley Home Loan – Summary

Unfortunately I cannot help everyone but those clients I can help are on their way to financial freedom. I teach all of my clients how to reduce their Home Loan quickly, enabling them to get ahead of their home loan and on the path to fast debt reduction.

This all starts with a Lower Interest Rate Home Loan, which if your Loan to Value Ratio (LVR) is less than 80%, meaning your Home Loan does not exceed 80% of the property value, then I can beat ANZ, The Commonwealth Bank, NAB & Westpac’s variable Home Loan Interest Rate.

Having a lower interest rate is the start to being able to reduce your Home Loan debt quickly.

Simply go to my Contact Us page and you can call or email me directly.

I look forward to hearing from you soon.

Best wishes for now.

 

Nathan Daniell
Simplify Your Mortgage Pty Ltd
Australian Credit License Number: 387974

P.S. Thanks for taking the time to visit my Sawyers Valley Home Loan website, I hope the information has been useful.