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About Us

We are Darwin Mortgage Brokers based in Darwin with over 40 years’ experience and there is NO charge for our service, yes that’s right our service is FREE to you.

Think of your broker as a professional resource in the same way you think of your accountant, financial planner or solicitor. We are in the business of building ongoing relationships with you, our clients, and we always think of your best interests, not those of the bank.

We will work with you and your service providers (real estate agent, conveyancer and lender) during your purchasing process, while ensuring we help you obtain the finance that best suits your circumstances and needs.

When you call Raise Finance, you will speak to a real person, not an operator, and we will guide you through your loan process with ease.

Please contact the office to get started.’

Paul Jones Photo

Paul Jones
Lending Manager
M: 0414 296 196
E: paul@raisefinance.com.au

Paul Jones commenced mortgage broker in 2004 after a successful military career. His love of property and finance lead him to set up his own mortgage broking business in Darwin which has seen Paul win a number of awards: 2005 Rookie of the Year for Money Advisers 2006 Rising Star Award for Money Advisers 2008 Mortgage and Finance Industry of Australia Achievement Award 2008 Commercial Broker of the year for Money Advisers 2008 Finalist NT Telstra Business Awards 2009/10 SA/NT State Champion and Commercial Professional of the year for Choice Aggregation 2012 Investor Magazine Readers Choice Mortgage Broker of the Year Paul specialises in Residential and Commercial property having been involved in financing over $150M worth of developments with developer in Darwin. Paul has built a large customer base of clients throughout all of Australia and advises clients on the structure of investment property portfolios as well as first home buyers and commercial operators.

Chris Blyth Photo

Chris Blyth
Lending Manager

M: 0417 722 598
E: chris@raisefinance.com.au

Much of my working life has seen involvement in banking, (self employed) business and finally Mortgage broking since 2003. The experience gained in commercial and retail Banking, in the operation of my own businesses and finally in mortgage broking, I consider, provides an excellent platform for my current role as a full time Mortgage Broker. In recent times, I have worked closely with property marketing companies in dealing with all levels of property investors from the first time investor to the more sophisticated and experienced client. The requirement to structure lending to best accommodate investors needs was the main prerequisite for that role. Presently I am dealing with clients from the first home buyers to the experienced investors at all levels. With up to date computer software, I am able to source competitive loan products, with all modern features, to suit borrower’s needs.

Services

There are a number of financial products on the market and it is important that you find a solution that best suits your needs and serviceability.

We pride ourselves on our ability to get your loan settled! We have extensive experience in all things lending, including:

First Home Buyers

A home buyer can obtain financing (a loan) either to purchase or secure against the property from a financial institution via a mortgage broker (that’s what we do!). Features of mortgage loans such as the size of the loan, maturity of the loan, interest rate, method of paying off the loan and other characteristics can vary considerably. It’s always best to speak with us, your mortgage broking professionals, to determine the loan that is right for you.

Investment Loans

Investment loans are structured in a specific way that allows you to make the most of your assets! An investment plan is one that works toward building your wealth and securing your financial freedom. For some, the future may seem a long way off, but the time to act is now because the future waits for no one. The housing market is generally a seven to ten year cycle: there are always highs, lows and steady patches.

Commercial Loans

Due to expensive upfront costs and regulation related hurdles, smaller businesses do not typically have direct access to the debt and equity markets for financing purposes. Therefore, they must rely on financial institutions to meet their financing needs. Commercial Loans are renewable loans used to finance a company’s immediate working capital needs. These can be large or small scale and usually operate short-term.

Standard variable & fixed rate loans

The variable rate loan offers more features and flexibility than the basic or “no frills” loan, so the rate is usually slightly higher. Fixed rate loans are set at a fixed rate for a specified period – usually one to five years. The advantage of allowing you to organise your finances and repayments without the risk of rising interest rates is offset by the disadvantage of not benefiting from a drop in rates.

Honeymoon Loans

A loan with lower repayments for the first six to twelve months is often called a Honeymoon Loan. After the ‘honeymoon’ the loan becomes a standard variable loan and the repayments increase. Make sure that you can meet the higher repayments for the remainder of the loan. You could also be faced with a fee at the end of the honeymoon period to switch to another loan type.

Bridging Loans

A bridging loan may be necessary to cover the financial gap when buying one property before the existing one is sold. This finance is generally secured against your property as you are utilising the equity in your existing property. Usually, bridging loans are short term and more expensive than other types of loans.

Insurance

We also specialise in helping you secure your loan and financial freedom by offering risk and life insurance. Through our valued partnership arrangements, we are able to offer our clients a range of different insurance opportunities. This service offers free consultation and even if you are happy with your current insurer for your home, business or any other insurance requirement, call the office for a second opinion on price and cover.


Why Choose Us

Whether you are a first home buyer or a seasoned investor, we are committed to providing you with the right home loan to meet your needs. Along with providing great interest rates, unlimited additional deposits and redraw facilities, we will provide you with customer service that you will value for the life of your loan.

Our industry leading customer service is what sets us apart from other home loan providers. Our commitment to you, our borrowers:
We will be easy to do business with
You will talk to a real person
We will get back to you
We will go the extra mile, every time
We will listen to what you want
We will provide a home loan that suits your needs
We will provide attractive interest rates
We are here to serve you and you will be 100% satisfied with our service

We have a dedicated team here in house, ready to answer your questions. When you call the team, your call will be answered by a real person. Your queries will be answered by a friendly team member, our team will guide you through your home loan application process and into the future.

Not only that, our team is qualified and fully compliant. You can feel confident that you are in safe hands and we will find the loan that’s right for you.

Resources

We work hard to make sure that you understand what is going on in the financial industry.

Our communication initiative ensures that you are kept up to date through useful and informative communication pieces. We will also let you know the outcome of the monthly Reserve Bank of Australia (RBA) meeting, and what this means for your financial situation.

Monthly Newsletters

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Calculators

Use our mortgage calculators to find out how much you can borrow. We’ve designed these calculators to help give you a better insight into how the banks will view your loan application.

Please be aware that these loan calculators are a guide only. For more exact expert advice, please get in touch with our team today.

By entering a few details, this calculator provides an estimate of the total amount you can borrow, monthly repayments, term of the loan, and total payments including principal and interest.

Ever considered what fees are payable when purchasing a property? By using this calculator you will be fully informed of the applicable stamp duties and other fees for all Australian states and territories.

By selecting your loan size, term, interest rate and payment frequency together with what extra repayments you wish to make on either a weekly, fortnightly or monthly basis, this calculator will show you how much interest you can save and how you can save months or possibly years off your mortgage just by paying that little bit extra.

FAQs

What does a mortgage broker do?

Mortgage brokers are professionals in the home loan industry. We work with you to determine your borrowing needs and how much you can borrow. Brokers, like us, help to ensure that you don’t take out a loan that is too big for you.

Professional mortgage brokers focus on loans. If you have a toothache, you go to the dentist not a florist. If your car is broken you take it to a mechanic not a librarian. You go to someone trained to help you with your specific need. It’s the same when you need a loan.

Brokers have access to a wide variety of loans. This means your broker can find a loan that’s just right for you.

Do you charge a fee for your service?

Some mortgage brokers charge a fee and some don’t. OPTIONAL – We don’t charge any fees.

There is a myth that it costs more to use a mortgage broker that go to a bank. That is an absolute myth and not true at all. Brokers get paid commission by the bank for bringing new business to them, this does not impact your rate or level of service.

Some brokers charge a fee for their service. They must disclose this fee upfront to you so you know what you will be up for if you engage their services. However, the costs of the loan are the same, depending on the loan you choose.

Don’t you just recommend the lender who pays you the most commission?

Absolutely not! There is legislation in our industry, called the National Consumer Credit Protection Act (or NCCP), that is designed to protect consumers and ensure ethical and professional standards in the finance industry. We tell you upfront what commission we will be getting from the bank. Our job, our only job, is to find the best loan for your needs and serviceability.

How much can I borrow?

This is dependent on how much you have saved for a deposit and what you current expenses are. Give us a call and we can go into your options in more detail, or check out the loan calculator page of our site!

Should I go fixed or variable?

We are only allowed to recommend a product based on what you say is most important to you – for example, “pay my loan off quickly” or “guaranteed repayments”. We cannot determine which loan is right for you without a full understanding of your financial circumstances.

Which lenders do you deal with?

I am a Connective Broker. This means that I have access to many lenders – these include the major banks, second tier lenders and credit unions. We can source you a loan from the lender of your choice.

Who sets interest rates?

The Reserve Bank of Australia meet on the first Tuesday every month to determine the official cash rate for the country. The lenders then use this information to set their own rates. Mortgage brokers do not set rates.

Why should I use a mortgage broker if I can go with a bank?

When we talk about a ‘loan product’ we are referring to the thousands of options that are currently available for you for your loan. Each bank (or lender) has loads of different loan options – low doc, package loans, re-draw facilities, plant and equipment loans, fixed, interest only, interested in advance, variable, introductory variable… the issues you face as a consumer is ‘which loan is right for me?’ And that is where a mortgage broker comes in. If you go direct to the bank, you will only be offered the loan options available through that one lender. As your mortgage broker, we do all the leg work for you. We are across many lenders and all of their loan products and our sole purpose is to find the right loan for your needs. Your full financial situation would need to be reviewed prior to acceptance of any product or offer.

Contact Us

When we help you with your borrowing needs, we consider you to be a client for life. We want you to be confident that you are working with someone who has your best interests in mind now and in the long term.

We have  many years’ experience in finance and mortgage broking. Our aim is to find you the best loan for your needs, and make the process as simple and transparent as possible! Please get in touch with us today.

Contact Us

Address: 5 Pavonia Place, Nightcliff, Darwin, 0800
Phone: 0414 296 196
Fax: 08 8911 0409
Email: paul@raisefinance.com.au

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