Scott Baker | Loan service

Scott Baker

Phone: +61 447 882 611

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25.01.2022 || CLIENT REVIEW || Phil was a pleasure to deal with helping him with his Self Managed Super Fund property refinance from his existing lender, and managed to save him over $100,000 over the life of his loan. Love saving my clients lots of _______________________________________________________________ #mortgagebroker #finance #problemsolver #trustedadvisor #teamwork #savingmoney #scottthebrokerbaker #theblock #geelong #victoria #barefootinvestor #creditrepair #money #learning #goals #motivation #homeloan #refinance #bestloan #mortgage #investment #broker #creditscore #business #realestateagent #loans #brokerlife

23.01.2022 How does water views from every room sound? This is definitely a house that would make lockdown just that little bit easier. Currently on the market and being sold by @whitefoxrealestate agents @jameshallahan_ and @martyfox01 , it presents an incredible design with the house wrapped around the feature pool.... Located at 12 Canterbury St, Sorrento, Victoria Get in touch to talk about how I can help you get into your own dream home. 0447 882 611 [email protected] ___________________________________________________________________ #mortgagebroker #finance #property #realestate #dreamhome #renovations #inspiration #scottthebrokerbaker #theblock #housegoals #homedesign #architecture #construction #home #design #homesweethome #interior #homestyle #interiordesign #pool #swimmingpool #poolgoals See more

23.01.2022 WHAT. A. VIEW. This incredible 4 bedroom penthouse apartment at the recently completed Miramar development in the heart of Geelong has views to die for. The Geelong skyline is changing. This is one of the first two recently completed high rise apartment developments that make the most of Geelongs incredible bayside location. We are going to be seeing more of these in the region with a number of other developments approved and works commencing in the next 5 years. ... @whitfordproperty agents @lachlan.bruce and Hannah Linke Im sure will be enjoying showing this one with an address of 1904/18 Cavendish Street, Geelong. Need a second opinion or assistance with your finance to help you get into your next home? Get in touch as Id love to hear how I can help. 0447 882 611 [email protected] __________________________________________________________________ #mortgagebroker #finance #property #realestate #dreamhome #renovations #inspiration #problemsolver #trustedadvisor #teamwork #housegoals #savingmoney #scottthebrokerbaker #theblock #geelong #victoria #barefootinvestor #housegoals See more

23.01.2022 Very excited to have recently joined the @geelongchamberofcommerce to partner with other like-minded business owners in the Geelong region. Im looking forward to meeting other members at the upcoming events and sharing experiences from our businesses as well as how we can support each other and work on the continued economic growth in the region. #mortgagebroker #finance #property #realestate #dreamhome #renovations #inspiration #problemsolver #trustedadvisor #teamwork #housegoals #savingmoney #scottthebrokerbaker #theblock #geelong #victoria #barefootinvestor #housegoals

22.01.2022 Did you know our service is more than just getting you a home loan? That's right. As part of our on-going relationship with our clients, we will check in with you 3 - 4 times in your first year to ensure everything with your loan is working as expected and that you're not having any issues with your lender. We will also schedule an annual loan review for the life of the loan.... What does this involve? This involves going back to your lender and re-negotiating your interest rates to ensure you're still on the lowest rate possible for your loan product. On top of this and what we believe is even more important, is to discuss what new goals you might have on the horizon. Your goals and objectives are always going to change and this annual check in is so important so we can help develop a plan and if required, run different scenarios to help you with how to achieve them. Get in touch to find out why having a broker on your team is a must. 0447 882 611 [email protected] https://linktr.ee/scott_thebroker_baker _____________________________________________________________ #barefootinvestor #mortgagebroker #finance #problemsolver #trustedadvisor #teamwork #savingmoney #scottthebrokerbaker #theblock #geelong #victoria #barefootinvestor #creditrepair #money #learning #goals #motivation #homeloan #refinance #bestloan #mortgage #investment #broker #creditscore #business #realestateagent #loans #brokerlife #conveyancer #conveyancing

21.01.2022 Want 4 reasons to consider refinancing your home loan? Last Thursdays data from the ABS shows the value of new finance commitments for the purchase of dwellings fell by a record 11.6% over May 2020. This is the largest single monthly drop in the 18 year series.... But at the same time, more Australians than ever refinanced their home loan in May. Also interestingly, 64% of all refinanced loans were switching lenders, an all-time high. According to @finder.au here were some of the top reasons to consider refinancing: 1. My interest rate is too high. With my lenders offering their best rates to NEW customers, there is no advantage for showing your loyalty to your lender over many years as you will drift onto bad rates. 2. I want an offset account. They are a useful feature and allow you to save and spend money like an ordinary transaction account, but every dollar that sits in the account offsets your loan principal. 3. I want access to some cash. A lot of people refinance a home loan so that they can borrow a bit more money. They can use the money for investments, to fund a home renovation or to buy a car. With rates being so low, refinancing to a cheaper rate and borrowing a little more can be quite cost-effective. 4. Im struggling with mortgage repayments. Its very hard to refinance if youre in financial distress as a new lender will examine your position. If youre in this situation, youre better off focusing on getting your debt, income and spending into a more manageable position. Is this an area I could help you with? Contact me to help with your finance plan, or a review of your loans to help you achieve both your short & long term goals. 0447 882 611 [email protected] __________________________________________________________________ #mortgagebroker #finance #property #realestate #renovations #inspiration #problemsolver #trustedadvisor #teamwork #savingmoney #scottthebrokerbaker #theblock #geelong #victoria #barefootinvestor #propertyinvestor #goals #motivated See more

20.01.2022 Great to get on board such a good cause every year and not to mention a chance to refresh the beanie collection! Huge props to: @carriesb4bc ... @bickmorecarrie @cottonon Youve done an amazing job again with the campaign, not to mention the minor detail of dealing with a pandemic and everything else going on in the world as the moment!! #carriesbeanies4braincancer @ Geelong, Victoria

19.01.2022 Happy Fathers Day to all the Dads out there. Wishing you a great day with your families whatever you get up to! Trawling through the last four years of photos looking for pictures to post was a great reflection time on how grateful and proud I am of my family and the incredible times weve shared in such a short period of time. With the challenges of COVID going on, and especially in Victoria, it was a good reminder that this too shall pass. Normality will return and wel...l look back to this time to reflect and learn from. Onwards and upwards! #family #familytime #fathersday #myboys #grateful

17.01.2022 Surprise date night for a Sunday night with my incredible wife @kate_baker21 . @squiresloft.torquay.geelong do the best ribs and steak in Geelong and always a great experience at the Geelong West restaurant.

17.01.2022 Family fun day out at the zoo! Another simple life experience at @zoosvictoria Werribee Open Range Zoo to not take for granted again after the last couple of months of lockdown. Nothing beats some quality time with my amazing family and seeing how much the boys get inspired out of a trip to the zoo - even though weve been about 10 times! They never get sick of it!

17.01.2022 Are you considering the $10,000 early access superannuation withdrawal? Ive been having a lot of clients recently who are considering accessing their superannuation early to help contribute towards a deposit for a house, and theyre asking whether this is a good idea. Im thankful for those clients that ask first and havent already done it! The consistent narrative from lenders is that if applicants are using the funds for "personal gain", ie: to buy a house, then thi...s is not considered good conduct, and will most likely lead to a declined application. The early access to superannuation is for people who have seen a significant drop in their income and need the funds to assist with their expenses during this trying time. The scheme is not there for personal gain. Thats something to keep in mind that its not just a chance to get access to some easy cash to contribute towards a house purchase. Does this sound like a situation you might be in? Contact me to discuss what your options might be to help get you into a home. 0447 882 611 [email protected] __________________________________________________________________ #mortgagebroker #finance #property #realestate #renovations #inspiration #problemsolver #trustedadvisor #teamwork #housegoals #savingmoney #scottthebrokerbaker #theblock #geelong #victoria #barefootinvestor #superannuation #advice #thankmelater See more

17.01.2022 Keep an eye out for my new signage which youll see across all of the building sites for my clients who are completing construction, on major renovations at the moment. Theyve come up a treat! With so many recent announcements over the last few months regarding government grants and incentives to build or complete renovations, it can be a minefield trying to understand whats on offer. Got a quick question? Send me a DM, and Im available to answer any questions in the... space of building, construction, renovations, and how best to fund these types of projects. 0447 882 611 [email protected] ______________________________________________ #mortgagebroker #finance #problemsolver #trustedadvisor #teamwork #savingmoney #scottthebrokerbaker #theblock #geelong #victoria #barefootinvestor #creditrepair #money #learning #goals #motivation #homeloan #refinance #bestloan #mortgage #investment #broker #creditscore #business #realestateagent #loans #brokerlife See more

16.01.2022 Lazy Saturday with the boy...

14.01.2022 Tired of being a tenant? According to the Australian Bureau of Statistics, 32% of Australians are renters. If that includes you, but you’d like to stop paying your landlord’s mortgage and start paying your own, there are a few things to consider that may help you get there.... YOUR SAVINGS SITUATION The first step is to review your finances and set a savings goal. Online budgeting tools are available to help you fast-track your home deposit. A broker can also help you work out exactly how much you need to save and let you know about some of the low deposit home loans available. We can also give you a price guide based around how much you can afford to borrow. If you’re paying rent, then potentially you can afford mortgage repayments. Many lenders will look favourably at regular rental payments as proof that you can manage consistent outgoings. DIFFERENT WAYS TO BUY If you can’t afford to buy a property in an area you want to live or you’re not ready to put down roots, you might like to consider rentvesting. This involves living in a rental property while buying an investment property in a more affordable area. Rentvesting can be a good option to help you to get onto the property ladder sooner and start enjoying the benefits of any increases in property values. FIRST HOME BUYER SCHEMES The Australian Government has a number of incentives and schemes for first home buyers looking to take their first step into the property market. You can find out more about what assistance you may be eligible for at http://www.firsthome.gov.au Get in touch for a personalised discussion on how I can help you achieve your goals. 0447 882 611 [email protected] https://linktr.ee/scott_thebroker_baker _____________________________________________________________ #barefootinvestor #mortgagebroker #finance #problemsolver #trustedadvisor #teamwork #savingmoney #scottthebrokerbaker #theblock #geelong #victoria #barefootinvestor #creditrepair #money #learning #goals #motivation #homeloan #refinance #bestloan #mortgage #investment #broker #creditscore #business #realestateagent #loans #brokerlife #conveyancer #conveyancing

14.01.2022 Excited to have partnered with local Pakington Street cafe favourite in Geelong West, @pakorawgeelong offering any customer up to $700 worth of free food and drinks to anyone that settles a loan with me during 2020. What better way to enjoy a cooked breakfast, lunch, dinner or your favourite coffee order, without having to pay. A great opportunity to support a local small business. DM me or get in touch to find out more: 0447 882 611... [email protected] ____________________________________________________________ #mortgagebroker #finance #renovations #problemsolver #trustedadvisor #teamwork #savingmoney #scottthebrokerbaker #geelong #victoria #pakingtonstreet #geelongwest #cafe #coffee #freemeal #pakoraw #supportsmallbusiness #coffeeshop #caffeine #happy #breakfast #lunch #dinner See more

14.01.2022 Should I fix my interest rates? This is a question I get asked by many clients when structuring their home loans, about whether they should go fixed, variable, or a mix of both! Lets unpack the pros and cons: FIXED:... Comfort knowing your repayment will be exactly the same for the fixed term. Avoid any potential interest rate increases in the future. With most lenders, no ability to make additional repayments to pay down your loan faster. Break costs apply if you want to get out of the loan within the fixed term. VARIABLE: Interest rates will rise or fall as lenders adjust rates. Link an offset account or make unlimited additional repayments to reduce interest and pay down your loan faster. Flexibility to change your loan to a fixed-rate term if this was ever more suitable. You can also split your loan to have a portion fixed, and a portion variable to make the most of both solutions which can be a great strategy if it suits your personal needs. Is this an area I could help you with? Contact me to help with your plan, or a review of your loans to help you achieve both your short & long term goals. 0447 882 611 [email protected] http://www.liberty.com.au/scott-baker ______________________________________________ #mortgagebroker #finance #problemsolver #trustedadvisor #teamwork #savingmoney #scottthebrokerbaker #theblock #geelong #victoria #barefootinvestor #creditrepair #money #learning #goals #motivation #homeloan #refinance #bestloan #mortgage #investment #broker #creditscore #business #realestateagent #loans #brokerlife See more

14.01.2022 Received a bill from the tax office? Heres how to get on top of it. Its that time of year when many Australians are busy preparing to lodge their annual tax returns. However, if you havent paid enough tax throughout the year, you may receive a tax bill soon after lodging your return. While having a tax debt is not ideal, there are ways to repay your debt even if you dont have the cash upfront.... Set up a payment plan: Depending on your circumstances, you may be eligible for a payment plan through the tax office. This can seem like a simple solution, but its important to remember that interest may continue to accrue on the unpaid debt. Like other loans, there can be consequences for failing to meet your payment obligations, and this could affect your credit score. Refinance your home loan: If youre a homeowner, you may be able to refinance and consolidate your tax debt into your home loan. As well as taking advantage of lower interest rates, this option can simplify your loan repayment arrangements. Solutions for business: If youre a business owner, you might want to consider a business loan to consolidate your debt and assist with cash flow. I have a lot of solutions that can help businesses structure their finances to payout ATO debt and source additional funds for working capital. Does this sound like a situation you might be in? Get in touch to discuss your personal situation and how I can help. 0447 882 611 [email protected] ______________________________________ #mortgagebroker #finance #property #realestate #taxtime #problemsolver #trustedadvisor #teamwork #savingmoney #scottthebrokerbaker #theblock #geelong #victoria #barefootinvestor #growth #ontrack See more

13.01.2022 This property has recently hit the market being sold by @mcgrathgeelong agents @david.cortous and @michaeljmarmora Located at 47 Elizabeth Street in Geelong West, its one that keeps its heritage feel from the front, whilst inside has a real quirky inner-city aesthetic once youre through the front door. How about those feature beams through the living room! ... Need a second opinion or assistance with your finance to help you get into your next home? Get in touch as Id love to hear how I can help. 0447 882 611 [email protected] __________________________________________________________________ #mortgagebroker #finance #property #realestate #dreamhome #renovations #inspiration #problemsolver #trustedadvisor #teamwork #housegoals #savingmoney #scottthebrokerbaker #theblock #geelong #victoria #barefootinvestor #housegoals See more

13.01.2022 Its great to be partnering with other like-minded local businesses looking at innovative ways to grow our businesses in the community. Im so excited to have launched a partnership with Jump Swimming in Geelong West, offering new and existing customers up to 6 months FREE swimming lessons for their kids! All thats required is you settle a loan with me anytime in 2020, and youll receive up to 6 months FREE lessons for you child. Swimming is such an important life skil...l for our kids to learn and any opportunity to get them in the water is so important. This could be a great chance to get a bonus for a new house or car purchase, or even a refinance of your existing loans. DM me, or get in touch if youd like to know more. 0447 882 611 [email protected] __________________________________________________________________ #mortgagebroker #finance #property #realestate #swimming #renovations #inspiration #problemsolver #trustedadvisor #teamwork #swimminglessons #savingmoney #scottthebrokerbaker #theblock #geelong #victoria #barefootinvestor #housegoals See more

12.01.2022 Incredibly proud to have won the award for Rising Star of the Year, at the recent Liberty Network Services Annual Awards! It has been such a rewarding financial year with some amazing support to help deliver some incredible results. ... $19.6m worth of applications $4.3m in savings for clients who refinanced 38 clients problems solved 4 clients into new cars 3 clients diversified with Self Managed Super Funds or Personal Loans Whats the most satisfying part? Helping my clients solve their problems and realise their dreams. There is no better feeling than helping a client whos been told no, or have an urgent deadline, or come up with a solution to help them achieve their goals. LOVE. IT. FY21 - GAME ON! ____________________________________________________ #mortgagebroker #finance #property #realestate #inspired #problemsolver #trustedadvisor #teamwork #savingmoney #scottthebrokerbaker #theblock #geelong #victoria #barefootinvestor #creditrepair #winnerwinner #gameon #letsgo #winning #award #goals See more

12.01.2022 Never again will I take for granted the simple life pleasure of a meal out with my amazing family on a Friday night after a big week. So great to be at our local pub @cremornehotel for a meal and a couple of wines after over two months of lockdown. I encourage you to get out and support your local cafe/restaurant/pub/eatery. Theyre all small business owners and the backbone of all local economies so its important we can help accelerate their return to normal trade! ...

10.01.2022 Fun day out yesterday in The Otways. With more recent restrictions in Victoria its been another great reminder to explore our own backyard. #regionalvictoria has so many stunning sights and #theotways sure is one of them! I’m passionate about travel and experience, and love taking the boys on new experiences whenever we get the opportunity. Nothing beats it. ... What are some of your own favourite experiences close to home for you? Please share!

10.01.2022 Can late payments affect my credit score? Late loan repayments can impact your credit rating, but there are options. Recent events have placed many Australians in financial uncertainty and impacted their ability to maintain regular loan repayments. While lenders have taken steps to support borrowers through this difficult time, you might be wondering whether a late payment could affect your credit score. ... When does a late payment become a default? Loan repayments over $150 and sixty days past due can be noted on your credit report as a default. Having a default listed on your credit report can impact your ability to borrow in the future, so its important to avoid this outcome wherever possible. Talk to your lender. Talking to your lender proactively about any difficulties you may be experiencing in meeting your repayments is an important first step. Most lenders are keen to work with you to get better outcomes. Depending on your circumstances, you may be able to arrange to reduce or even pause your current repayments. A request for help and varying or pausing repayments will not affect your credit report, although this is expected to change during 2021. Get into good habits. As more lenders move to adopt comprehensive credit reporting (CCR), its a good idea to build a habit of paying your loans on (or before) the due date. Under CCR, your financial behaviours, both positive and negative, are included in your credit report. This can include missed payments, once they are more than 14 days late. Need a second opinion or assistance with your finance? Get in touch as Id love to hear how I can help. 0447 882 611 [email protected] ______________________________________________ #mortgagebroker #finance #problemsolver #trustedadvisor #teamwork #savingmoney #scottthebrokerbaker #theblock #geelong #victoria #barefootinvestor #creditrepair #money #learning #goals #motivation #homeloan #refinance #bestloan #mortgage #investment #broker #creditscore #business #realestateagent #loans #brokerlife See more

09.01.2022 What better way to celebrate a relaxation of lockdown restrictions now that open homes can occur again. Whos ready to go house shopping?? This property at 67 Waratah Street, Geelong West has just come on the market after an incredible renovation by the owners over the last few years. Not one detail has been missed. This beauty is being sold by @buxtongeelonggroup agent @tombuttersbuxton and I know will be a pleasure to show. Good luck Tom.... ___________________________________________________________________ #mortgagebroker #finance #property #realestate #dreamhome #renovations #inspiration #problemsolver #trustedadvisor #teamwork #housegoals #savingmoney #scottthebrokerbaker #theblock #geelong #victoria #barefootinvestor #housegoals See more

09.01.2022 Does it look unassuming from the front? Wait till you see inside! Easily one of the best recent renovations Ive seen, seamlessly mixing old and new with an incredible open plan living, dining, and outdoor entertaining - with water views! ... This stunning property is being sold by @whitfordproperty agents @propertywithheidi and Dale Whitford and is located at 16 Arthur Street in Hamlyn Heights. _________________________________________________ #mortgagebroker #finance #property #realestate #dreamhome #renovations #inspiration #scottthebrokerbaker #theblock #housegoals #residentialconstruction #homesweethome #interiortrends #homebeautiful #interiorlove

07.01.2022 Amazing adventure today to the Californian Redwood Forrest in The Otways only a couple of hours from home. With everything going on locally in Melbourne, its a great chance to explore whats in your own backyard whilst we cant travel abroad. Still hard to believe what we saw today was so close to home!... _____________________________________________ #greatoceanroad #theotways #forrest #wow #closetohome #lovewhereyoulive #family #adventure #geelong #victoria #thebest #miniholiday

06.01.2022 CASE STUDY || GUARANTOR LOAN I recently had a loan approved for a couple of my amazing clients with a guarantor loan, and it is a type of loan structure that I get lots of questions about. How does a Guarantor loan work?... A guarantor loan is where there is additional security provided by a family member from one of their own properties to contribute as a deposit so the applicants can avoid paying Lenders Mortgage Insurance. This is a great strategy for anyone who has a very small deposit, yet they have strong borrowing capacity to service the full loan. EG: $500,000 purchase price. Loan 1: $400,000 - secured against the new purchase. Loan 2: $100,000 - secured against the new purchase and the family members property. With these scenarios a lot of lenders also allow you to borrow 100% of the purchase price plus costs (stamp duty etc). Does this sound like a situation you might be in? Reach out if youd like to discuss all of the different options to help you get into your first home. 0447 882 611 [email protected] ___________________________________________________________________ #mortgagebroker #finance #property #realestate #dreamhome #renovations #inspiration #problemsolver #trustedadvisor #teamwork #housegoals #savingmoney #scottthebrokerbaker #theblock #geelong #victoria #barefootinvestor #housegoals See more

06.01.2022 Great to be away for a couple of nights of R & R with my incredible wife to recharge. The boys are with the grandparents having a ball as always... Now time for a or three... #weekendaway #amazingwife #wine #dayspa #sleepin #goodfood #lovelife

06.01.2022 Could a Property Share loan be a quicker way for you to get into a great little property like this one? This will be a post you might want to save! A Property Share loan allows multiple borrowers to purchase one property and split the cost, whilst keeping their finances separate. Each borrower is responsible for only their portion which means a smaller loan commitiment, and can help first home buyers and investors get into the market sooner. Let's look at a scenario and assu...me this property will cost $550,000. Borrower 1 (Sam & Sally) will have a loan of $250,000 and they will only contriubte a $30,000 deposit. Borrower 2 (Jane) will have a loan of $250,000 and they will only contriubte a $20,000 deposit. This means that each borrower need only have the capacity to service a loan of $250,000 each, instead of $500,000 for one borrower which may not be achievable. This great little property is on the market with a price guide of $485,000 - $533,500 and being sold by @mcgrathgeelongnewtown agents @_agentaisha_ and @ricky_forte . It is located at 3/34 Logan Street, Hamlyn Heights. Get in touch to find out more about how a Property Share loan could work for you. 0447 882 611 [email protected] https://linktr.ee/scott_thebroker_baker _______________________________________________ #mortgagebroker #finance #property#realestate #dreamhome #renovations#inspiration #scottthebrokerbaker#theblock #housegoals#residentialconstruction#homesweethome #interiortrends#homebeautiful #interiorlove

05.01.2022 Ever wondered how credit cards, ZipMoney, OpenPay and Afterpay style of credit affects your ability to get a home loan? This is a question that comes up regularly and is an interesting one! When lenders assess your application for a home loan they look at worst-case scenario for any of these types of credit accounts you might have open. Lets say you have a $5,000 limit on your credit card and pay it off every month and have a great repayment history. For assessment, ...they assume it will be maxed out the full $5,000 and you have this as another liability to pay off. This applies to any of those other cards listed above and for those interest-free style cards you get from your homemaker style stores. With Afterpay, if you show consistent repayments of these on your transaction history, the lender will assume you will have these on-going. This will increase your living expenses with how they would assess your application. The best thing you can do to give you the maximum borrowing capacity for an application is to reduce your credit limits, or even better close them altogether! This can have a significant impact on your borrowing capacity. Need a second opinion or assistance with your finance? Get in touch as Id love to hear how I can help. 0447 882 611 [email protected] _________________________________________________ #mortgagebroker #finance #property #realestate #dreamhome #renovations #inspiration #problemsolver #trustedadvisor #teamwork #housegoals #savingmoney #scottthebrokerbaker #theblock #geelong #victoria #barefootinvestor #housegoals See more

04.01.2022 What does a conveyancer do? Why do you need one when purchasing property? A conveyancer is a licensed professional who specialises in property law. When purchasing a property itss important to get a good conveyancer on board early to help you through the process. They will review a contract prior to you making any offers, and then help with the settlement, payment, and transfer of title process. They can also advise and help you negotiate terms such as settlement date...s, deposit amounts, or even your finance. Usually, a conveyancer will be paid as part of settlement so there are no upfront charges for you. Need a second opinion or assistance with your finance? Get in touch as Id love to hear how I can help. 0447 882 611 [email protected] _________________________________________________________________ #mortgagebroker #finance #property #realestate #dreamhome #renovations #inspiration #problemsolver #trustedadvisor #teamwork #housegoals #savingmoney #scottthebrokerbaker #theblock #geelong #victoria #barefootinvestor #housegoals See more

03.01.2022 Are you self-employed and struggling to get finance? Self-employed borrowers can have complex businesses and ownership structures whether as a sole trader, company, or trust. Every lender views self-employed applications differently and they accept different forms of income. During the last few months of COVID, some lenders are showing much more scrutiny with anyone self-employed and wanting to see other supporting documentation such as recent BAS and business bank sta...tements to verify income and their financial position. As a broker, I research over 20 different lender policies to understand exactly how each lender will assess an application, and ensure that I match up every clients personal situation with the right lender. If youre self-employed and want to know what your options might be with finance, please get in touch as Id love to help. 0447 882 611 [email protected] __________________________________________________________________ #mortgagebroker #finance #property #realestate #dreamhome #renovations #inspiration #problemsolver #trustedadvisor #teamwork #housegoals #savingmoney #scottthebrokerbaker #theblock #geelong #victoria #barefootinvestor #housegoals See more

02.01.2022 CASE STUDY || RURAL PURCHASE & NEW EMPLOYMENT I recently obtained unconditional approval on a loan for a new client on a property they were looking to buy about two hours east of Melbourne on three hectares in a rural setting. They were already pre-approved for finance with their current lender however when they had made an offer on this property, their lender declined their finance as the type of security was outside their policy. After being referred to me from their ...conveyancer, I was able to research all lenders to find a lender that would take on the security which was our first win! On top of this, one of the applicants had only just started a new job one week before his finance clause was due. This lender also accepted probation and only required one payslip to verify their income. Second win! Every persons circumstances are different. This is why its important to engage a broker who has access to many lenders to match up your personal circumstance with their policy that will achieve your goals. Is this an area I could help you with? Contact me to see how I can help you achieve both your short & long term goals. 0447 882 611 [email protected] __________________________________________________________________ #mortgagebroker #finance #property #realestate #dreamhome #renovations #inspiration #problemsolver #trustedadvisor #teamwork #housegoals #savingmoney #scottthebrokerbaker #theblock #geelong #victoria #barefootinvestor #housegoals See more

01.01.2022 What an adventure today... 1 Went to @zoosvictoria Werribee Zoo after seeing they were open again only to realise when we arrived they had a 1,000 person limit per day and were already booked out. 2 Researched @sealifemelbourneaquarium , @melbournemuseum , @legolanddiscoverycentremelb , @scienceworks_melb to see where else we could go and all were still closed or fully booked out.... 3 Decided to just keep driving! Next stop after the full loop of Melbourne was Sorrento for lunch and then the @searoadferries Ferry back to Queenscliff and Geelong. Great adventure @kate_baker21 @ Geelong, Victoria