Mortgage Brokers: Michael Phillips, DUDLEY PARK 5008, SA

I have been involved in the finance and insurance industry for over 20 years, starting as an underwriter and becoming a mortgage broker in 2003. Now I help people from the DUDLEY PARK area as a member of the AAMS team.

During this time I have gained a great understanding of lender policies which enables me to find the right solution for a client's needs - especially if they're from DUDLEY PARK.

I am a member of appropriate industry bodies and attained the Diploma of Financial Services (Finance, Mortgage-broking Management).

I like to build long term relationships with new clients to help achieve their goals. If you're in the DUDLEY PARK area and need some assistance with your mortgage, give me a call.

Testimonials for Michael Phillips

  • I'm very happy.

    I'm very happy with the excellent service provided by Michal Phillips.

    Thank You
    Sandra
    Endeavor Hills - VIC

    I'm very happy. July 11, 2017

  • Explained and gave us options

    Michael Phillips was very helpful. He explained and gave us options. He continued to keep us updated, I would definitely recommend AAA Mortgage Solutions to my family and friends.

    Many Thanks
    Mathew and Sonia
    Gulfview Heights

    Explained and gave us options April 18, 2017

  • Very happy with the service

    We have used Michael Phillips for the purchase / Refinance of 2 properties. We are very happy with the service Michael Phillips provides.

    Mark and Jennifer
    Capalaba QLD

    Very happy with the service October 21, 2016

  • Service and genuine effort

    We have used Michael for many years. The service and genuine effort to provide the optimum solution has always and continues to impress. Will certainly use Michael’s service when next we need a loan or when my family needs a loan, Thanks again.

    Raymond and Susan
    Salisbury Heights

    Service and genuine effort May 24, 2016

  • He was Fantastic

    I would recommend Michael Phillips to anyone! He was fantastic.

    Jarrad and Meagan
    Redwood Park

    He was Fantastic May 3, 2016

  • A Great Job

    Michael Phillips did a great job - very happy with the service.

    Daniel and Gayle
    Pooraka

    A Great Job April 12, 2016

  • Always acted with such professionalism

    I would like to say a very big thank you to Michael Phillips for all of his patience and hard work to secure me my home loan. He always acted with such professionalism and was always willing to help me with answering any questions or concerns that I had. Thank you.

    Regards

    Kerrie
    North Adelaide

    Always acted with such professionalism February 16, 2016

  • Relieving me of any worries

    I would just like to say a big thank you to Michael Phillips for sorting out my loans for a couple of investment properties . He has kept me informed at every stage and harassed the banks when required as well as lease with builders and conveyance's on my behalf relieving me of any worries and making the whole process easy.

    Thank you

    David
    Mawson Lakes

    Relieving me of any worries February 8, 2016

  • Always on the ball.

    Michael was always on the ball. Well done and many thanks.

    Annette & Glen
    Hillbank

    Always on the ball. September 22, 2015

  • Michael Phillips is a genius!

    Michael Phillips is a genius! Has done an awesome job.... He is our go to man!

    James
    Davoren Park

    Michael Phillips is a genius! July 13, 2015

  • Excellent Service

    Excellent Service, I have already recommended yo to 2 people.

    Sarno

    Excellent Service July 1, 2015

  • "Awesome Service"

    Thanks to Michael Phillips, will use again and refer to friends and family.

    Emin
    Parafield Gardens

    "Awesome Service" May 29, 2015

Debt Consolidation, DUDLEY PARK

If you have equity in your home loan, and you wish to save interest on higher debts such as credit cards, store cards, car loans, personal loans and overdrafts, I can assist you to reduce monthly payments by consolidating these debts into your home loan. This way, you will be able to free up more funds each month. Alternatively, you may prefer to continue making the same payment as before. As a result, you will pay off your debts sooner and make a significant savings on interest cost.

First Home Buyers, DUDLEY PARK

I enjoy sharing the happiness and excitement in purchasing your first home. I am more than happy to offer my expertise in budgeting and costing, to assist with your planning. More importantly, I will assist you in getting the most suitable home loan that meets your needs. I can also assist with the paperwork for the First Home Owners Grant and other Statement Government assistance. If you are buying your first home in South Australia, I can provide you with property and/or suburb reports at no cost. My goal is to make your first home loan experience as pleasant as possible. Just remember, I will be there assisting you every step of the way.

Home Loan Pre-Approval, DUDLEY PARK

I can organise a pre-approval with only subject to finding a suitable property. This way, you can enjoy shopping with a peace of mind. My clients who have shopped with their Pre-approval Certificates have found that pre-approval has strengthened their bargaining power and boosted their confidence in placing their bids. I can assist you to obtain a pre-approval within 24 hours provided we don't have to wait for the required documents. Please contact me for further details.

Home Loans, DUDLEY PARK

My clients' needs are my first priority. I specialise in negotiating the best possible home loans to meet my clients' needs. Saving your money is what I do best, whether it be reducing your monthly payment, or paying off your loan sooner. I source loan products from a large panel of lenders, ranging from the Big 4, the 2nd Tier, and lenders that will help when the main stream lenders won't. I always do my best to help my clients. To this end, most of my clients have become my friends.

Investment Loans, DUDLEY PARK

Most of my clients purchase their investment properties using equity of their residential home. Thus, no cash outlay is required. If you are not sure whether you could do the same, please contact me. I will be more than happy to help. On the other hand, you can always buy an investment property with a combination of cash deposit and equity, or simply with cash deposit only. Although there are various reasons for investing in properties, many investors are interested in the "negative gearing" effect provided by investment properties. Briefly, the net loss resulting from your investment property is an allowable deduction against your other income. This has been used by many as an effective tax minimisation strategy. If you're looking for a loan for your investment property, I will assist you in looking at the costs and benefits of various loan packages. I can also work with your accountant and financial planner to find the best solutions for you. In addition, if you are buying your investment property in South Australia, I can provide you with property and/or suburb reports at no cost.

Low Doc Loans, DUDLEY PARK

If you are self-employed but you do not have the full financial history or tax returns to meet the requirements for a standard home loan, I can assist you with a low doc loan. Low doc loans generally require 12 months of BAS statements and an active ABN for at least 6 to 12 months. Some lenders may only require your declaration and your accountant's declaration. Most low doc loans are approved on a case by case basis. Please contact me to discuss your options if you wish to apply for a low doc loan.

Refinancing Loans, DUDLEY PARK

There are many reasons for refinancing your home loan: lower interest rate, 100% offset account, better redraw facility, no monthly fees, no annual fees, ability to have split loans, better customer service, the list is endless. Most importantly, there must be a benefit in doing so. When I assist you to refinance your home loan, I will first consider carefully your needs and circumstances. Then, I will endeavour to find a product that is most suitable for you to maximise your benefits.

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