Client Reviews

Harry M

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

Ben O

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.

Calvin and Izumi

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.

Kris and Ruth

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.

Ben & Carmen

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.

Angela and Mark

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!

Sean

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.

Chris and Lloyd

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.

Jamie and Karla

“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.

Gemma and Darren

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!