Yes this is most likely the stupidest question on this forum but I want to find a good Mortgage Broker, someone thats interested in my situation, willing to help and find the best deals and the best way to help me get money from the bank! and not the easiest way as has happened in the past and someone that I can contact directly every now and then not their assistant or someone else in the office.
Also importantly someone that is willing and happy to deal with me several thousand km's away!
I have had 1 average and 1 shocking experience with brokers, the 2nd one cost me a crap load more in LMI and my savings but long story short just want someone decent!
I guess I was young and stupid/misinformed and have learnt quite a lot from the first 2 property's but want to start making money and building a portfolio while I have the income and ability to do so, just need someone to help me get to place where I can start achieving these goals without forking out 30k cash again like I did for 2nd property as the equity wasn't there in the first IP. I want to be able to buy a property with as little of my cash as possible and reading this forum seems to point that it is remotely possible.
My situation is average...Hell not even sure if I can do anything in my situation but here it is........
Income $228k (serviceability is not an issue at all)
Quite a bit of credit card debt....like above 30k kind (Yes...I know!)
1 x 68k car loan
2x IP's 1 valued desktop at $445k(ANZ) and visit at $435k (B/West) in Jan last year so guess it would have gone up by now and owe $400k. Just refinanced that bloody thing through the bank went from 7.44% Fixed to 4.84% Fixed
1 IP has just been built and tenanted and owe 370k on it and have no idea what it's worth, I'd guess the $400k mark.
Anyways if any brokers are interested in my situation give me a shout but also if anyone can recommend someone that would be awesome!
Also importantly someone that is willing and happy to deal with me several thousand km's away!
I have had 1 average and 1 shocking experience with brokers, the 2nd one cost me a crap load more in LMI and my savings but long story short just want someone decent!
I guess I was young and stupid/misinformed and have learnt quite a lot from the first 2 property's but want to start making money and building a portfolio while I have the income and ability to do so, just need someone to help me get to place where I can start achieving these goals without forking out 30k cash again like I did for 2nd property as the equity wasn't there in the first IP. I want to be able to buy a property with as little of my cash as possible and reading this forum seems to point that it is remotely possible.
My situation is average...Hell not even sure if I can do anything in my situation but here it is........
Income $228k (serviceability is not an issue at all)
Quite a bit of credit card debt....like above 30k kind (Yes...I know!)
1 x 68k car loan
2x IP's 1 valued desktop at $445k(ANZ) and visit at $435k (B/West) in Jan last year so guess it would have gone up by now and owe $400k. Just refinanced that bloody thing through the bank went from 7.44% Fixed to 4.84% Fixed
1 IP has just been built and tenanted and owe 370k on it and have no idea what it's worth, I'd guess the $400k mark.
Anyways if any brokers are interested in my situation give me a shout but also if anyone can recommend someone that would be awesome!