Clint Bravo in Melbourne, Victoria, Australia | Financial service

Clint Bravo

Locality: Melbourne, Victoria, Australia

Phone: +61 411 748 821

Address: 622 St kilda road Melbourne 3004 Melbourne, VIC, Australia

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• Insurance broker

24.01.2022 Positive article on Mortgage Brokers! Changing broker business model appeals to lenders The image of mortgage brokers as salesmen keen to attract price-sensitive borrowers and churn them as often as possible is out of date, according to research by Ernst & Young.... EY found that the broker business model had evolved over the past decade from one based on high transaction volumes and upfront commissions to one that was more focused on managing ongoing customer relationships. The reason for the change is that many brokers have built large back books, which generate significant trail commissions, shifting the focus to the management of an established customer base. "Today brokers use a relationship model, focusing on cultivating their large back books by working on customer retention," EY said. This shift has reinforced the strategic importance of brokers to lenders. Brokers work with financial institutions to service existing customers by offering other products. According to EY, lenders recognise that a core competency of brokers is managing customer relationships. Lenders said they were working with brokers to retain customers, where once they would have suspected them of wanting to churn the business. EY found that some lenders were increasing their trails over time to reward loyalty. There are other reasons lenders are doing more business with brokers. The quality of applications submitted by brokers is high, in a majority of cases, and improving. Lenders said they had observed over time that there was no material difference in the tenure of customers coming through brokers and those coming through proprietary channels. And lenders are aware that customers are increasingly willing to talk to brokers about other products, such insurance and credit cards, opening up cross-sell opportunities.

19.01.2022 Interested in looking at fixed rates for your home or investment loans? Some Lenders have dropped rates to as low as 5.49% for a 2yr fixed rate plus giving $700 to help you cover the costs of refinancing. In one case i assited my client who will recieve $2,800 in rebates. Ask me how??

14.01.2022 Just started my Facebook business page. Very exciting and hope everyone will find it helpful!

14.01.2022 Monday 1 February, 2016 Core Logic RP Data Monthly Home Value Index Move over Sydney, Melbourne takes over as the best performing capital city over the past twelve months... Dwelling values across Australia’s capital cities were 0.9% higher in January driven partially by a rebound in Sydney and Melbourne. The recent growth conditions have pushed the Melbourne market into first place for annual growth in dwelling values with an 11.0% rise compared with Sydney where values are 10.5% higher over the past twelve months. According to the January 2016 CoreLogic Hedonic Home Value Index results released today, dwelling values across Australia’s combined capital cities showed a 0.9% rise in January after recording no change in December and a 1.5% drop in November. For anyone wanting to review their current loans or wanting to look at investing this year please call me to arrange an appointment. regards, Clint - 0411748821

13.01.2022 Breaking news!! CBA have now jumped on the band wagon with ANZ by liting Investors loans by 0.27% Is this due to APRA or are the banks taking advantage of this to increase their profits? Maybe penalise Investment loans above 80%LVR but not for loans below- wheres the risk??... Maybe this is a good opportunity to refinance with Non Banks who will most likely not increase rates for investors. Rates for investors are as low as 4.04% Let me know your thoughts?

10.01.2022 I have a serious gripe with any bank that will pass on higher rates to customers due to the government new levy! Then they cry poor and blame it on anything and everything they can. Just suck it up all you CEO's. Don't worry though because you're still making huge profits then ever before even with more regulatory procedures. ... So be ready people for when banks pass on higher rates to Its customers and then try to justify it to its customers. Don't get angry, just get even and switch to a very good non bank lender that can offer all the bells and whistles with a great interest rate. I've been placing more & more clients with non bank lenders over that past 3 years in anticipation of banks lifting rates outside the reserve bank. Don't hesitate to act now and switch as with higher living costs for families, you could actually save yourselves tens of thousands of dollars. End rant

05.01.2022 Breaking News! ANZ bank announce today a $1200 rebate - For owner occupier refinanced loans > $500K Also, In a first, look to see banks reduce LVRs for Investment loans plus potentially higher interest rates for investment loans eg- ANZ New to bank customers will no longer get pricing discretions for investment switching. They will now get advertised specials. CBA also announced lower LVR for Investment loans.... Non bank lenders with variable rates as low as 4.14% will benefit from this as well as the brokers who have them on their panel of lenders. My lender also has a 100% Offset account. If you feel the need to review your current loans, please call me to discuss. Clint - 0411748821

02.01.2022 Hi All, If you have not heard or just been do busy today to care, after sitting on the fence for 4 mths the reserve bank dropped rates by 0.25%.Should be interesting to see what lenders pass on in coming week/s? With 2 & 3 yr fixed rates at 5.49 & 5.59% it will be interesting to see where rates go from here. Watch this space!!