Studying finance at the University of Queensland paved the way for Justin to embark on a successful career in the mortgage industry. Since 2007 he has been helping clients purchase their own homes and investment properties as well as restructuring liabilities.
Just as a mortgage is a long-term commitment, Justin believes building lifelong relationships with clients is equally important. In fact, most of his clients are referred to him by previous customers.
“I enjoy helping clients move into their homes and I love the fact that most people appreciate your work,” says Justin. “If you look after your clients they won’t forget you.”
Justin works with a wide range of people including those seeking building and construction loans. Applying for these types of loans can often be a complicated process however Justin’s knowledge and experience in this area ensures clients receive the right information and a loan that is tailored to their individual needs.
“The lenders’ requirements differ significantly so it is far better to use an expert in the field than another broker who is not familiar with all the options.,” says Justin. “You don’t want unnecessary inquiries in your credit file to banks which couldn’t help you out in the first place. There is also a good chance you could miss out on the property if you waste time using a broker who is not specialised.”
Justin and his colleagues at Building Loans Australia are familiar with the lending policies and procedures for more than 35 financial institutions. They are able to explain the intricacies of house and land packages and First Home Owners Grants, in addition to progress payment schedules, valuations, duplex constructions and many more issues relating to building loans.
As a loan writer, Justin says the highlight of his career to date has been helping 21 clients settle into their homes in a period of just one month.
In terms of attitude, he believes having a strong work ethic is crucial.
“It’s important to be reliable and honest and making sure I always put the clients’ needs ahead of my own,” he says.
And the best advice he offers his clients when it comes to managing their home loans?
“Make extra re-payments as it makes a huge difference to the amount of interest you pay over the life of the loan.”
When Justin is not working he enjoys spending time with his wife and two young children. He also likes cooking, snowboarding and going to the beach.
- Licenced with the Australian Securities and Investment Commission (ASIC)
- Full Member of the Mortgage Finance Associate of Australia (‘MFAA’)
- Member of Credit Ombudsman Services Limited (COSL)
- Diploma of Finance and Mortgage Broking Management
- Member of AFG, Australians largest mortgage broking aggregator
- Australian Credit Licence Holder: AMP Financial Planning
- Australian Credit Licence Number: 232706
- Australian Business Number: 34 381 525 206
Claire & Jarrett Cohen
We are delighted with the service we received from Justin. As a non resident, some banks made us feel that getting a mortgage would be complicated and almost impossible but Justin pulled out all the stops to help us and explore every option. After feeling very overwhelmed, we look back now and realise just how straightforward and clear Justin made this while process for us. Justin was patient and extremely knowledgeable in talking us through everything step by step. The fact the Justin genuinely cared in helping us reach our goals sets him head and shoulders above the competition. Thank you!!!
Justin Thom looked after my wife and me for our recent purchase of a home. We inspected many over approximately 9 months before. We went back and forth with approvals and appropriate loans.
Justin was not only extremely patient but clearly also gave the best advice for us, the client rather than him, the broker.
Real client-first attitudes can be extremely rare in the broker industry.
Throughout our recent property purchase Justin was thoroughly professional, provided regular updates and prompt service, and worked hard behind the scenes to ensure that the settlement was able to happen within few days. He is very resourceful and respond to my queries in detail and makes everything simple. I would recommend Justin to everyone without hesitation.
Craig was the one to accept my case, and then passed on to Justin. They were both extremely easy to deal with and very helpful in the whole process. Justin was very reliable and quick when come to response my email and phone call. He even came to my house at dinner time just to explain everything to me. As a temperately resident, MAP home loans really understand my situation and guide me step by step in the process. I would recommend their service to anyone I know. Thank you.