Services Offered
Residential Home Loan Specialist
About Nathan
Hello and welcome to my 1300 Home Loan web page
Please find below a little about me and why I manage my own Mortgage business.
I started Simplify Your Mortgage Pty Ltd in March 2006 because I saw two major flaws in the Mortgage Industry:
- Lack of education to clients from the Banks
- Lack of after settlement support
Although the Banks are my business partners, I do not place any of my clients with specific products just so the Banks can make massive profits for their Shareholders and CEO pay packets; in fact I do quite the opposite.
Banks are one of the great Australian business success stories and they should be commended on running and managing a viable industry. Without their strength the GFC may have seen Australia really struggle.
Unfortunately their addiction to growth, in my eyes, has meant that Shareholders and CEO’s come before their staff and more importantly their customers, you... At every touch point they create with their customers they try and sell more products like Credit Cards, Mortgage Insurance and other highly profitable financial products or services.
Australian Banks promote the mixing of Savings Account and Credit Accounts (Credit Cards & Home Loans etc.), which is extremely dangerous because the banks are now in business to create a data base where they profile every single customer.
If you have all of your banking products with one Bank, they now know:
- How much you earn
- When & where you spend your money
- When you go on holidays
- When you go over your Credit Card limit (classified as a default)
- And so much more...
I have seen clients be rejected finance simply because the bank knew too much, categorise their customer and classified them as risky, when in reality the opposite was true.
I have seen clients lose their potential dream home because the Bank Manager cross-collateralise the property being purchased with the parents’ home. This is another extremely dangerous practise that the Banks promote every day of the week because it reduces their exposure to risk, therefore working in their favour instead of the customer.
My 3 top goals for every client is to:
- Find a loan product that is suitable for today and is flexible into your future
- Help you understand and manage your Home Loan so that your money is working in your favour – NOT the Banks!
- Provide you with an ongoing first class service
As a result of my first class service approach, my valued clients refer their friends, family members, co-workers, neighbours and other acquaintances they know to me when requiring assistance.
My Commitment:
-
From your perspective:
- I have treated you with the utmost respect throughout the whole loan process
- I have exceeded your expectations
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From my perspective:
- I will sleep easy at night knowing that I have acted in your best interests
My Guarantee:
- I will allow you to cancel your loan application with me at any time if you are not satisfied with the level of service I have provided
- I will listen to what is most important to you and place you with an appropriate loan product
- I will do what I say
I wish you all the best in your search to find the right loan product for you and I look forward to meeting with you if you choose to use my services.
Client Testimonials
"Hi Nathan,
I would like to thank you very much for your first class services and advice over the past 6 months which has led to the purchase of my first home. Your assistance all the way through was greatly appreciated and you were always very responsive to my needs in a timely and professional manner. I will be ensuring that all my family loan requirement needs will be coming through you for the above reasons.
Happy New Year and thanks Again!"
Nigel Thayer – Tuart Hill, WA
"I thought the service was great. It was very informative. You walked me through the process and finalised everything very quickly. I don’t think there is anything further you could have done. I will certainly recommend you to others."
J Want - Churchlands, WA
Qualifications
FINSIA – Certificate IV in Financial Services (Finance/Mortgage Broking) FNS40804
Australian Credit License Holder with ASIC
Mortgage & Finance Association of Australia (MFAA) – Full Member
Community Involvement
Secretary for the Leederville Cricket Club
