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The following is a summary of
the how a AFD Mortgage Plan
will help you:
The following is a summary of the how a AFD Mortgage Plan will help you:
Analyse and Evaluate Financial Status
Analyse your current credit position
Analyse your current savings patterns
Appraise your real estate equity or future purchase
Review your debt position and cash flow
Develop and Present Planning Recommendations and Alternatives
Provide recommendations that address your goals
Make recommendations how to achieve increased savings with power saving principles
Set up a budget suitable to your requirements
Make recommendations to increase household cash flows
Make restructuring recommendations where appropriate
Review and recommend structure for multiple property owners
Revise plan as where changes are required
Show you ways to pay down your loan in the quickest possible timeframe
Implementation of Mortgage Plan
Setup personal budget to meet Mortgage Plan objectives
Engage your budget monitoring officer as required
Periodic Review
Review Mortgage Plan under your Mortgage Coach program
Review you current financing to see it meets your present requirements
Review cash flow and make recommendations if cash flows change
Review your real estate equity position and review investment opportunities
Other Services
Provide ‘Buyers Agents’ service (where qualified) to assist with purchasing property
Where qualified assist with implementation of real estate and tax saving strategies
Provide strategy to be debt free at retirement
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Mortgage Planning Process
Mortgage Planning Process
The first step for a successful Mortgage Plan is to listen to you!
Your Mortgage Planner will ask you to complete a questionnaire designed to assist you to tell us what your current position is and what your plans and aspirations are for the future.
An AFD Mortgage Planner will then assist you to analyse and prepare your current personal or household budget.
Your Mortgage Planner will compile a list of your assets and obligations.
Your Planner will consider your future plans that may involve retirement goals, acquisition of future assets, or even full debt elimination.
He will then consider the protections you have in place through insurance.
Your Mortgage Planner will now be in a position to prepare a comprehensive recommendation on the information gathered.
Once you have approved the plan a final report is compiled and recommendations for implementation will be made.
Lastly – the plan begins!
For more information on how we can assist you with an AFD Mortgage Plan please ring 0249508011
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How The Loan Process Works
How The Loan Process Works
Not every Mortgage Plan involves a mortgage refinance, but in the event this is part of your plan this is how the loan process works.
AFD Mortgage Planning firstly will save you a great deal of time having at his disposal a number of lenders and a variety of loan products.
Your AFD Mortgage Planner takes the worry about searching for the right loan for you. They do all the research and make the recommendations that will fit your personal requirements.
You can feel comfortable knowing AFD Mortgage Planners follow a ‘code of ethics’ where for all loan recommendations, they are based on the client requirements. All fees earned by the Mortgage Planner and a breakdown of these fees are also an important aspect of our ‘code of ethics’, so they will provide you with this breakdown of their remuneration.
Our AFD Mortgage Planners also offer their clients a ‘fee for service’ option as opposed to the commission based model most Mortgage Brokers offer their clients. There may be advantages and savings for you to take advantage of our ‘fee for service’ model.
They will manage the process with the funder on your behalf, they do all the worrying not you!
For more information about loans that may assist please ring 0249508011.
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What is a Mortgage Planner?
What is a Mortgage Planner?
AFD Mortgage Planner is an acknowledgement of achievement for mortgage professionals who have completed the Mortgage Planning Course, an industry standard developed by The Mortgage Planning Group and financial services training group Intellitrain.
AFD Mortgage Planner is a trained professional who can assist clients to better manage their personal finances to achieve their goals and objectives.
AFD Mortgage Planning is a new mortgage industry standard to distinguish and recognise mortgage professionals for the additional services they provide their clients.
AFD Mortgage Planners also support a ‘Responsible Lending Code of Ethics’ that stresses the importance of being ethical, professional and responsible in all the services and activities they provide their clients and other members of the mortgage industry.
Our Mortgage Planners go through a comprehensive course, where the curriculum incorporates essential skills sets including, mortgage analysis, client debt management, real estate property investment planning, wealth development and debt elimination.
Continued education and training is also an important component for Mortgage Planners as they continue to adapt to industry advancements and changes.
For more information how a Mortgage Planner can help you please ring 0249508011
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What is the difference between a Mortgage Broker and a Mortgage Planner?
What is the difference between a Mortgage Broker and a Mortgage Planner?
When doing business with a Mortgage Broker their primary concern is about the transaction of providing a mortgage.
When doing business with an AFD Mortgage Planner their primary concern is you the client and their ability to better assist you to manage personal budget cash flows and credit obligations.
Our AFD Mortgage Planners have an interest not only in providing you with a suitable mortgage, but more importantly your AFD Mortgage Planner focuses on you, your plans for the future and how the mortgage will impact on your life. He will work with you to manage this large financial obligation with the objective of helping you to pay down this loan as quickly as possible.
Mortgage Brokers are trained to complete an application for finance, our AFD Mortgage Planner is trained to complete a comprehensive review of your complete financial position. Our Mortgage Planner will gather all the necessary information to assist you to make informed decisions.
Our Mortgage Planner is trained to clearly explain to you the services they provide.
Our Mortgage Planner will also explain and provide you with a summary of their charges and how they will be paid.
For more information on the services our Mortgage Planner provides please
ring 02 49508011
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Why use a Mortgage Planner?
Why use a Mortgage Planner?
AFD Mortgage Planners take the time to truly understand your financial position. They don’t just accept the banks servicing criteria. Our AFD Mortgage Planners discuss with you how this loan will impact your life style, budget management and cash flow.
Our trained AFD Mortgage Planners will upon request examine your current budget and the cost impact of this loan and provide you with an “Affordability Report”. A report designed to better help you understand the implications of your new loan obligations.
At AFD, we also provide you with a Residex property appraisal of your home or the property you intend to purchase. This report helps you to better understand the properties current value and its future potential based on the properties demographics.
By using the services of an AFD Mortgage Planner it will provide you with peace of mind that your finances are being well managed, and you have contingencies in place in the event of emergencies.
Using the services of an AFD Mortgage Planner provides you access to their additional service to act as your personal AFD Mortgage Coach, to guide you and review your progress on a regular basis.
Yes, an AFD Mortgage Planner is indeed a wise choice.
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Mortgage Planner Will Help You
How A Mortgage Planner Will Help You
Your Mortgage Planner has been trained to provide a level of service far more extensive than the average Mortgage Broker and many of the additional services are provided to you FREE.
For example, your AFD Mortgage Planner will not just arrange finance for your home purchase; he will take the time to analyse and evaluate your current financial position and will make a loan recommendation based upon those findings.
He will take the time to assist you set up an appropriate budget to meet this new obligation; he will make recommendations how you can improve your cash flow each month.
He will help you develop a comprehensive mortgage plan and provide you with a periodic review to assist you with the objectives you wish to achieve in the plan.
Yes, your Mortgage Planner is here to help you.
Implement debt management strategies when major changes occur in your life Implement changes financial position before redundancy or becoming self employed Assist first time purchasers to set up a suitable savings and budget management program.
For more information on how we might be able to assist please ring 0249508011
Want more info?
Our Mortgage Planning expert is available for discussion.
Working closely with clients, a mortgage planner aims to define an individual’s hopes and plans for the future, in order to ascertain the best possible product that will enable that individual to realize their hopes and dreams.
Accredited to the Mortgage Industry Association of Australia (MFAA), Denis Hill can source loans for individuals, families, and corporations for domestic, residential, personal or business investment purposes from a large range of lenders including, but not limited to, major banks, building societies and non-bank lenders.
Other services provided include:
- Lo-Doc Loans
- Commercial Loans (Lo-Doc & Full Financial)
- Leasing - Equipment, Motor Vehicle, Computers, etc
- Debtors Lending
- Development/Mezzanine Finance
- Equity loans
- Reverse mortgages
A mortgage planner’s expertise is often sought by the financial adviser to advise clients on sources of funds that may allow investments to be geared, such as shares or property. Denis Hill works side by side with financial advisers with clients needing mortgage funding to achieve their goals.
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Mortgage Planning
About Mortgage planning
Mortgage planning is not about home loans and mortgages, but rather about you and providing strategies to help better manage the single largest financial obligation most families encounter.
Strategies are not only limited to finding ways to reduce interest, but strategies to manage your personal household budget more efficiently. Strategies, that can help you to plan for the unexpected such as sickness or unemployment.
Mortgage planning is also about considering your future plans, which may include the purchase of a new car, an overseas trip, acquiring additional assets that may involve property or shares. To achieve these goals it is essential you have a plan, so with this in mind The AFD Mortgage Planners have developed a plan that will assist you in achieving these goals.
With a Mortgage Plan it allows you to establish a timeline for your projected goals and objectives.
Having a mental plan is always a good starting point, but to have a plan worked out and written down, helps you to know the best place to start and what is required to achieve the plans desired outcomes. One of the realities in life is that without implementation and reviewing of your plan from time to time those wonderful plans will gradually be forgotten or become just too hard to achieve. With an AFD Mortgage Plan program in place and with the support of an experienced Mortgage Coach this will provide you with an opportunity to see the plan you have set up succeed.
From time to time the unexpected may happen, sickness, unemployment or a family tragedy can often derail any of the best plans you may have. With the help of your personal Mortgage Coach, they are here to assist to work through such issues as they occur.
Would you like to know more about how an AFD Mortgage Plan can help you?
Ring 0249508011
What is a Mortgage Broker?
A Mortgage Broker is a go-between between the borrower and the lender (usually a bank), who negotiates the loan on your behalf. They will do the legwork on researching products on the market from the hundreds available, and then support you through the application and settlement process. They generally charge the borrower nothing for their service, as brokers are paid a commission by the lender when the mortgage is settled.
What are the benefits of using a Broker?
There are a number of benefits to using a broker, particularly through the application process.
Firstly, they can shop around for you. Everyone knows shopping around could lead to a better deal but it’s time consuming, especially if it involves contacting a number of banks and lenders. A broker can search the range of loans available from multiple lenders very quickly to find you the right home loan for your needs. They also provide you with one central point for mortgage information and will talk you through the process. All banks have different guidelines, and unless you’re familiar with them you can find yourself not getting a loan - just because you haven’t crossed a ‘t’ or dotted an ‘i’.
Brokers aren't just for First Home Buyers
Forging a relationship with a mortgage broker can make all of those decisions much easier.Your financial circumstances can evolve over time, so can the products and services available for you to choose from. You may want to fix part of your loan, refinance or perhaps buy an investment property.Mortgage Brokers are there to help you purchase your first home, but also can be valuable to you again in the future, whether to help you with information to finance your next home, buy an investment property or refinance your existing home loan.
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