Despite the hiccups with the banks/valuers, the service you provided was unbeatable _ when we need the services of a broker again, we will be giving you a call.

Dear Craig: On a formal note, I really wanted to say thank you for everything, you’ve been amazing through the whole process, which I have to admit is a little daunting as a first home buyer with control freak tendencies 😉 I can’t stop singing your praises and will absolutely recommend you, and send further business your way through family and friends. Thanks again! E x

 

Hi Craig,
Thanks so much. All credits goes back to you as you helped me make all this happen.

I couldn’t thank you enough for the job excellently done.

I’m glad you will still be of assistance until my house is built and I will send you a photo of the land with me and sold caption in it asap.
Cheers

[Arlyn was a doctor from the Phillipines on a 457 Visa. She was on a contracting basis – that is, she got paid roughly 70% of what she billed. We assisted Arlyn with a 90% Mortgage with No Lenders Mortgage Insurance payable so she could buy a house and land package]

Many thanks for all your efforts Craig. To be honest mate we had lost hope of buying property, but the moment we started dealing with you we always got the right advice and finally the result.
 
Finally we can realise our dream.

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Aziz is a NZ citizen living in Australia. His wife Hamidah just moved to Australia 3 months ago and is here on a NZ family visa subclass 461. Aziz and Hamidah originally approached 2 other brokers before jumping onto google and finding us.

We arranged a home loan to 95% capitalising the LMI despite the visa issue and short term employment of Hamidah. We are happy to advise Aziz and Hamidah will be moving into their new home end of October 2012

Survey responses are as follows:

Q1. Overall, how satisfied were you with my services? Excellent

Q2. On a scale of 1 to 5 (1 being very poor, 5 being exceptional), how would you rank your overall experience with me? 5

Q3. What elements of the service I provided most impressed you? Very prompt responses to all my queries, excellent all round service

Q4. What did you most like about me? Very personable approach, nothing sewed like too much trouble, especially when I had lots of questions!

Q5. Please rate me on each of the following Understanding of your needs – Excellent Knowledge and explanation of products – Excellent Courtesy and friendliness – Excellent Communication – Excellent Quality of Service – Excellent

Q6. Did I keep you informed during the application and approval process? Yes

Q7. Would you be interested in knowing more about any of the other services I provide? Yes

Q8. Would you recommend my services to others? Yes Q9. How did you hear about me? Internet

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Harry and his wife were migrants on 457 visas. They owned property back in the UK but didn’t want to have to sell to be able to provide the traditional 20% deposit required. We arranged 90% lend to Harry and normal market interest rates whilst Harry was on a 457 visa. More information on 457 visa home loans here.
http://map.stage.m-r.com.au/457-visa-home-loans

Thanks so much. Great to receive the approval.

I know we’re not there yet but thanks again for all of your work. It has been nice and smooth from my perspective and couldn’t have done it without you!
I know I am not the easiest client (i.e. no deposit etc) so am sure working out all the different loans etc meant it wasn’t as smooth for you as it has been for me, but none of it has gone unappreciated.

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Ben was purchasing with his partner on a defacto spouse visa. Ben owned existing property in his own name, including a serviced apartment. We leveraged up to 95% on the purchase property, 95% on refinance property and 80% on the serviced apartment to raise enough funds to see the purchase be approved.

Izumi and i were very great full from day one when speaking to Craig and the exceptional service that we received from him. He guided us through all the steps of buying our property. Without Craig’s help we won’t be where we are. We can’t thank him enough for what he has done for us. All i can say that we were impressed with every aspect of Craig’s service. I will gladly recommend Craig to anyone looking to buy a property.

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Calvin and Izumi were looking to rent out their unit and upgrade to a home. Borrowing capacity was very tight as was deposit, but we sourced a 95% home loan, using equity in existing property, to purchase their new home.

There was also an issue along the way where one bank valued the property they were buying 20k below the contract of sale price. We quickly ordered a valuation with another lender upfront which came in at the purchase price.

We switched lenders and were still able to achieve the approval and meet settlement deadlines.

I recently returned back to Australia with my British wife with the dream of living beside the beach but a little unsure of how to get finance after being away from Australia for so long, going into a new job and having a foreign born wife. After typing in some key words on google, MAP Mortgage Brokers came up and I decided to take a punt (albeit with trepidation) and contact them. This was the best move I could have made as after speaking to Craig for the first time, I was sold on his knowledge and expertise given our circumstances. Craig has gone over and above what you would expect from a mortgage broker and helped us out enormously. We now have our block of land beside the beach and we will be using Craig and MAP when we require finance for construction. I would without hesitation, recommend MAP for anybody searching for finance. Thank you Craig for your hard work.

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Kris and Ruth just moved back from Australia with their young family and wanted to purchase a block of land to build their dream home on. Ruth was on a spouse visa 309 and as such and Kris had only just started a new job in a completely different industry to his previous employment.

Kris and Ruth had been to a local mortgage broker who had failed to get them approved.

MAP arrange a home loan for Kris and Ruth for $171,000 capitalise LMI on a 190k purchase of vacant land.

Kris and Ruth are now saving up a deposit so they can start building within 4 months time.

Many thanks Craig for all your help and support, we could not do it without you. Very friendly service and always there when we had a question or a doubt.
You made our dream come true and we will recommend your services without a doubt.
Cheers
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Last month we were very happy to assist Ben and Carmen from QLD with a home loan to purchase their first home. Ben and Carmen had already been to their own bank and a couple of mortgage brokers and were advised that due to;
1. Carmens spouse visa,
2. Bens default on his credit file ($10,000 personal loan), and/or
3. Carmen being on probation, they could not be approved.

In one last desperate attempt they contacted MAP and 8 days later we had them formally approved at standard interest rates (better than the bank that had declined them!).

Ben and Carmens loan application was not easy and required many supporting notes and documents to pursuade the bank that despite these three issues, Ben and Carmen were actually a good credit risk.

The Issues:
This example shows that even with three pretty significant issues, we can still get common sense approvals.

In this case, the default was 5 years ago, paid in full and arose when Ben was traveling the world. Carmen only had 3 months in her current job and was still on probation however she had previous industry experience. To offset these issues Ben and Carmen had a good savings record, good incomes and strong overall employment history.

Conclusion:
Thanks Carmen and Ben for letting us use your information for this quarters case study. Ben and Carmen settled on the 26th of October and are happily settling into their new home.

Thanks Craig for your excellent service. very efficient, professional and friendly. fast response to all our questions. You’d made the entire process so easy and stress free for us. Thanks for all your hard work in making sure we get our finance in place. We really appreciate it!! Thanks again!

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Angela was a NZ Citizen purchasing with her husband who was a foreign citizen with no Australian citizenship, NZ citizenship or permanent residency. Mark was therefore here on a 461 Visa NZ Family Relationship Visa.  

Key Results:

• Approved 95% LVR with LMI Capitalised
• Interest rate obtained was 0.15% cheaper than the Mark and Angela’s bank (who had declined them due to insufficient savings)
•   Despite original set-back for Mark and Angela, MAP were still able to meet all finance and settlement deadlines
• Angela and Mark have moved in and are now busy renovating their new home!