Hamilton Hill Mortgage Broker
Mobile 0439 456 488
Rob Hachey – Business Development Manager-Mortgage Australia
Hello, I’m Rob Hachey and I’m a BDM for the Mortgage Australia Group working from Fremantle Western Australia. Feel free to access my online calendar to book in a quick chat anytime https://robhachey.as.me/QuickChat or send me a message through the form to the right of your screen.
Getting your next home loan with our group will be faster and easier – and you’ll end up with a much better home loan. Just like the hundreds of other people we have already helped.
How Rob Hachey and the team members of the Mortgage Australia Group can help you with your next home loan:
- I have a Certificate IV in Mortgage Broking, I’m a registered Real Estate Buyer Agent and I’ve been working in the industry for 10 years. Prior to that I was a retail banker and finance broker in Canada for 14 years.
- Rest easy in the knowledge of our group who are part of the country’s largest broking company that organises 1 of every 10 home loans in Australia every month.
- Experience the convenience of state-of-the-art technology to objectively compare around 1,350 of the latest financial products from 31 lenders, including the Big 4 Banks.
- Deal with someone who is truly committed to the residents of Hamilton Hill – I live in Hamilton Hill so you can know that I’m with you for the long haul.
“The future belongs to those who give the Next Generation reason for hope.”
– Pierre Teilhard De Chardin
I specialise in “Deposit Gap Loans” for keen buyers of Australian residential real estate.
I’ve worked as a Banker, Finance Broker and Real Estate Agent for most of my working life and often find myself trying to help those who don’t quite fit the mould.
I’m often asked to help buyers who have struggled to save up a sufficient deposit to meet the banks often restrictive lending criteria. The idea of accessing Gap Loans to increase your deposit contribution may have been placed in my psyche very early in my childhood, compliments of my parents. My Mum and Dad decided after having five kids in just under six years, that it may be a good idea to move from a small rental property to a larger home of their own. So, with little to no savings, five kids in tow and me in the pram, my parents decided to buy their first home.
But how?
The year was 1965 and there wasn’t exactly a friendly bank on every corner advertising the best mortgage rates with little or no deposit.
In fact, there were no banks willing to help you buy your first home without a substantial saved deposit of 25% to 50%.
Add to that, only my dad was working full time, which didn’t leave my parents with a lot of options to choose from.
So what to do?
Well at six months old I was hardly in a position to offer any financial advice but with the help of my grandparents who provided a small loan or ‘Deposit-Gap Loan’ my parents were able to come up with enough money to satisfy the seller who then provided the balance of funds to complete the purchase. This is known as ‘vendor’ or ‘seller finance’.
These days it’s not quite as common for a seller of residential real estate to help buyers out this much. However, with so many banks and lenders now available it is possible to borrow funds to increase your deposit up to 20% a.k.a. ‘Deposit-Gap Loan’ – with the balance of funds coming from one of the many lenders out there trying to gain your business.
While my parents never went on to purchase multiple homes, but they did manage to provide a safe and loving home for myself and my siblings. They later sold the house and along with other savings and superannuation provided enough retirement income for them to live comfortably today.
If you’re struggling to come up with enough savings to buy your first or next home or simply want to increase your deposit to avoid the banks nasty lender mortgage insurance premium it would be my pleasure to help you.
Happy House Hunting!
Whether you’re a first home buyer or an experienced homeowner or property investor, you need finance that is specifically suited to your needs.
If you’re looking to buy a home for your family, invest in the property market, take out finance to build a new house, obtain a NO Savings Home or anything in between, our years of experience and industry relationships will help to streamline the process.
When you need a mortgage broker a member of the Mortgage Australia Group will be available to help, using a mortgage broker will reduce the time, energy and frustration spent searching for home finance. With thousands of loan options, finding the right loan can be an overwhelming task for any mortgage borrowers. We will work to save your valuable time and take the stress out of your next home loan application. By utilising your local mortgage broker’s knowledge and experience, you can ensure the loan you settle on will not only provide you with the funds you need, but will fit your lifestyle.
If you are looking for a mortgage broker anywhere in Australia, book in a quick chat or send a message through the form to the right of your screen, so we can help you find the home loan option that most suits your needs.
Rob Hachey-Vendor Finance WA
Unit 6, 13 Wheatley Street, Gosnells, WA, 6110
0439 456 488
