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!

Worked with Craig fantastic service and calmness in the face of a few complications both at the beginning and the end of the transcation. Always a backup plan in place and flexible approach. great job and thoroughly recommend him and his services.

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Sean and his wife are Australian citizens living and working in MAF, Dubai. They already owned one property in Australia and were looking to access this equity to purchase another property. They had savings in UAE but given the strong AUD did not want to transfer back home.

MAP arranged a top up/equity release loan from existing properties which was used to fund the deposit for their new purchase.

MAP did everything from accessing the equity in existing property, sourcing a better home loan deal, liaising with the real estate agents and solicitors all the way to preparing and posting documents to Dubai. 

There were a few complications that we worked through and ultimately Sean and his family purchased their third property and are now looking for their fourth.

Craig, you were great to do business with. Buying our first home in Australia, I’m sure would have been a nightmare without all your help. Always returned phone calls or emails very promptly. Would highly recommend you to anyone.If only our solicitors had been as good at their jobs as you were !! A very BIG THANKYOU.

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Chris and Lloyd are UK citizens who moved to the central coast of NSW in 2009. They arrived on 457 visas and after a few years in Australia wanted to purchase their own property. 

MAP arranged a 90% lend despite the 457 Visas which allowed Chris and Lloyd to buy their own place sooner rather than saving up the normally required 20% deposit. 

Next stop, Permanent Residency! Congratulations Chris and Lloyd.

“I am a British Citizen living in Australia with my Australian Wife and I am currently sponsored by my employee on a 457 Visa. We started to investigate the possibility of building our own home with the 4 major banks here in Australia, we visited the branches and spoke on the phone to each one. As a result most of the people we spoke to did not even know what a 457 visa was let alone if it was acceptable under their criteria for a home loan, the others said that we would need at least a 20% deposit before we could even think about applying. Then we decided to go with a mortgage broker, after alot of talk when it came to the crunch they too did not understand the 457 visa or what it means. A 20% deposit was just too unreachable for us to come up with being first home buyers so I decided to do some research on the internet and this is where I found Craig and Map Mortgage Brokers. He managed to get us approved with a 5% deposit and with one of the banks we previously spoke to. This just goes to show how important it is to have the experience and to know the right people, Craig deals with these types of loans every day and has these important relationships with the major lenders. From the very first time I spoke to Craig he has been the most efficient, helpful and understanding person to deal with. He has vast experience in the field of home loans for non-residents and that knowledge was invaluable to us. It is thanks to Craig and Map Mortgage Brokers that my wife and I are now seeing our dream house being built. If you are a non-resident and want to own your own home then I fully recommend you at least talk to Craig to discuss the possibilities before wasting your time direct with major banks or other brokers. Thanks Map! Jamie and Karla”
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Jamie and Karla have basically said it all above! Jamie was on a spouse/partner visa and Karla was an Australian citizen. They were having issues arranging finance for 2 reasons. The first was the visa issue with Jamie on a spouse visa subclass or 820. The second issue was they wanted to buy land and build and capitalise the LMI in full on top of the loan. Both of these issues proved difficult however we did manage to arrange an approval despite these issues at 95% LVR. And, as it turns out, with a lender they had already approached and been told they dont qualify!

Thanks Jamie and Karla for taking the time to review our services.

Thank you for all of your help, you have definitely made it a lot easier and less stressful for us! 

We really appreciate how quickly you made everything happen.

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Gemma and Darren were first home buyers purchasing their first home in Toowoomba, QLD. This was actually a reasonably easy loan to get approved. The primary issue was that Darren had taken unpaid leave for 6 weeks. This may not seem like such a big deal but in this case we were looking for a really sharp interest rate from a lender that has very very strict income verification policy.

The issue is that most banks work out income based on the year to date income. That is, total income earned to date annualised out to give an annual figure.

Darren was on circa 60k per year income. However, due to his unpaid leave, his YTD figure was only giving us an annualised figure of $25,000. 

To combat this we provided the lender with;

1) PAYG summary for 2012 financial year, and

2) Letter from employer confirming dates unpaid leave was taken, and that this was taken at Darrens own request.

Loan was approved and Gemma and Darren moved in 3 weeks later and are now busily renovating!

after years of purchasing our home with Craig’s assitance, he still keeps us up to date with recent events, rate changes etc.. Excellent service Craig. Thank You.

I can not rate Craig highly enough! Not only the prompt and positive service we received but also Craig’s empathetic and positive nature made our transaction an absolute pleasure!
After waiting almost 5 months for another mortgage broker to unsuccessfully process our home loan, my husband and I had almost given up on buying our own property in Australia while he was on a 820 visa.
We contacted map on a referral from a work colleague and we were so surprised how easy it was!
Craig was fantastic throughout the whole process, always kept us up to date regarding all aspects of our loan and gave great advice.
Craig’s dedication to his job/clients seems to me, to be unsurpassed. Craig also organised our FHOG, while this was underway, I received constant updates on the progress of application, so we were never worried our settlement wouldn’t go smoothly.
I can not give Craig high enough praise!
He has made our first home ownership not only a possibility, but a breeze! I would recommend him with out any doubt!
Thanks again Craig, we will be forever appreactive!
Kellie & Naas

Craig, Thanks for all your work on this! I have moved all the stuff in and just settling in at the moment! Will be recommending you if I find out anyone is in the market!