AAA Mortgage Solutions

MORTGAGE BROKERS
Muhamet Zhjeci

ADELAIDE 5000, SA

Greetings, my name is Muhamet Zhjeci. I have a Diploma in Financial Services and Mortgage Broking and I am an Authorised Credit Representative for AAA Mortgage Solutions. I am also a proud member of FBAA and AFCA.

Coming from a Customer Service and Real Estate background, I am meticulous in what I do, always aiming to achieve the best possible outcome for my customers to the best of my ability with excellent customer service skills.

As a Mortgage Broker my aim is to help my clients achieve their finance goals by giving them advice on the best suitable loan for their needs, whether they are looking at buying their first home, investment property, refinancing or consolidation, I am here to help. I enjoy building lifelong relationships and being there for my clients whenever they need my help.

I have access to multiple lenders which gives me the ability to find the most suitable loan my clients’ needs.

I also speak fluent English and Albanian and would be more than happy to assist in any way I can.

Debt Consolidation, ADELAIDE

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, ADELAIDE

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, ADELAIDE

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, ADELAIDE

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, ADELAIDE

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, ADELAIDE

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, ADELAIDE

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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5 Stars
He did not just want to sign me up to any loan!

Muhamet was wonderful to work with and has a vast knowledge of financial needs to fit a specific customers needs. I really appreciated how he spent a majority of his time to find what loan works best for my specific needs which are very different to the average person who just needs a simple home loan. Muhamet was always available and was very responsive to my phone calls, texts and emails so I could trust him to have the support I needed.

Muhamet was right by my side every step of the way with helpful financial advice so that we could make the right financial decisions to suit our specific needs.

He did not just want to sign me up to any loan he made sure that the loan suited our requirements and we would be able to financially afford the repayments in the coming years.

I have already given recommendations to friends to make an appointment with him because they have sad stories about their current home loans.

I will definitely be returning to Muhamet for my lending in the future.

Kindest regards,
Rebecca
Munno Para S.A. 5115

5 Stars
You know you are in great hands.

If you want to work with someone who actually listens, and communicates regularly and happily keeps you updated with every single step of the way, then you want to have Meti working on your application! Meti’s customer service, understanding of all things loan related, are at an exceptional level.  Combine his amazing professionalism, great sense of humour, (which, in the field of applying for loans, is key to be able to liaise with someone who likes to have a laugh and make you smile) as well as a personable personality, and you know you are in great hands.  Look forward to working with you again in the future Meti  and AAA.

Kind regards and many thanks.
Melissa and Ryan.
Para Hills S.A. 5096

5 Stars
He consistently went above and beyond.

I had an exceptional experience working with Muhamet Zhjeci to secure my loan. From the outset, his friendly demeanour put me at ease, and his prompt communication ensured a smooth process from start to finish. He consistently went above and beyond, tackling any challenges with ease and ensuring that nothing was too difficult. What truly stood out was his flexibility, always willing to meet at times convenient for me, which made the entire process incredibly convenient. I highly recommend Muhamet to anyone in need of mortgage assistance; his professionalism, dedication, and personalised approach truly set him apart.

Thanks again Muhamet!

Chat soon
Leanne
Hillbank S.A. 5112

5 Stars
We will be back with our next purchase.

Our Broker Muhamet Zhjeci has always provided amazing service. Despite our crazy requests and work schedule he made it work and made everything so easy. Thank You Muhamet we will be back with our next purchase.

Kelly & Melisa
Paralowie S.A. 5108

5 Stars
A truly awesome broker.

Again, Muhamet has succeeded. He is always ready to sort out any problem. A truly awesome broker. I would recommend him to anyone and will use him again on future projects. Thank you for your efforts Muhamet.

From Tristan and Leanne
Elizabeth East S.A. 5112

5 Stars
Just a fantastic service.

Hi there Muhamet,

Just writing to say thank you so much for all your help with the refinancing, keeping me updated and in the loop the whole process made it so much easier and stress free from start to finish, quick responses to any questions I had, just a fantastic service and I’m so appreciative of all you did.

Again thanks so much,

Jess
Elizabeth Downs S.A. 5113

5 Stars
His knowledge regarding Mortgage Broking is on point.

We would like to take this opportunity to thank Muhamet of AAA Mortgage Solutions for all his help arranging my very intricate finances. He has been extremely helpful throughout the whole process. Nothing is a problem and his insights and knowledge regarding Mortgage Broking is on point. I would highly recommend him to anyone that needs help with their mortgage.

Kindest Regards,
Tristan and Leanne
Elizabeth East SA 5112

5 Stars
Great Advice

Dear Muhamet,
Thank You! I truly appreciate the advice you have given me and for all the hard work you have done for me so far.

Kindest Regards,
Bec
Munno Para S.A. 5115

5 Stars
I highly recommend Muhamet.

This was my second time refinancing. Each time it has been a great experience as Muhamet always kept me informed and was always available when needed. I highly recommend Muhamet.

Hanh
Mawson Lakes S.A. 5095

5 Stars
He’s also very friendly and approachable with any questions.

Muhamet Zhjeci came through with flying colours in helping us refinance our house nothing was to much trouble. This is the second time we have used Muhamet and highly recommend his services. Muhamet is extremely professional, but he’s also very friendly and approachable with any questions, which makes the whole process so much easier, many thanks again Muhamet.

Deb & Kyle
Murray Bridge S.A. 5253

5 Stars
Exceptional customer service.

Muhamet provided me with a swift and stress free refinancing of my home loan. He constantly kept me updated on its progress. My wallet and I thank him for his exceptional customer service.

Regan
Salisbury S.A. 5108

5 Stars
All things explained clearly.

I want to say thank you Muhamet for your excellent work and support throughout the buying process, from the very beginning pre approval to formal approval. All things explained clearly and I felt that I’m in safe hands and met my expectations.

Thank you

“Happy Client”
Smithfield S.A. 5114

5 Stars
Muhamet made the whole refinance process easy and seamless.

To Whom it May Concern,

Muhamet was polite, friendly and professional with all of our interactions, nothing was ever too much trouble or a question too silly. Muhamet was extremely flexible with his hours, we are shift workers and conventional hours do not suit. He was always available at the end of a phone and always got back to us promptly no matter what the time of day. If we got stuck with the paperwork Muhamet would meet with us to walk us through it.

Muhamet made the whole refinance process easy and seamless, providing us with regular updates along the way. We couldn’t recommend working with Muhamet highly enough we are very grateful to have received such fantastic service and we will be in touch with Muhamet when it comes time to apply for a loan for our future land (currently waiting development before titles being issued), a construction and investment loans.

Thank you
Kelly and Melissa
Paralowie S.A. 5108

5 Stars
I would rate Muhamet 5 out of 5 stars.

Muhamet was exceptional to engage as my broker for my recently purchased property and refinanced investment property. I will also look to engage Muhamet in any future broker requirements. He would give and take calls in and out of normal work hours to help push the approval along. Muhamet was always approachable and would highly recommend him to my peers.

I would rate Muhamet 5 out of 5 stars.

Cheers,
Darren
Maslin Beach S.A. 5170

5 Stars
Excellent service

The whole process of refinancing was positive and efficient.
Excellent service.

Stuart and Rebecca
Hillbank S.A. 5112

5 Stars
It has made such a huge difference to our lifestyle.

Muhamet was absolutely amazing!! He helped us consolidate our credit cards into our home loan without extending the term AND found us a much lower interest rate. It has made such a huge difference to our lifestyle with so much less stress and a lot more weekly cash available. Muhamet knew what was needed and gave us a comprehensive list of requirements for documentation which made the process so simple and quick. His friendly nature and complete honesty throughout the process made us feel comfortable and safe, so much so, that I asked him to help out my Daughter with her refinance, which enabled her to reduce her interest rate quite substantially. Thank you Muhamet and AAA!!

Jeremy
Paralowie S.A. 5108

5 Stars
Muhamet made us feel very much at ease.

We highly recommend Muhamet Zhjeci from AAA Mortgage Solutions. Muhamet definitely went above and beyond with our recent interstate house purchase. Nothing was too much trouble and every question we had was answered, Muhamet made us feel very much at ease and we would have no hesitation in using his service in the future.

Thank you so much Muhamet for all your help
Deb & Kyle Pannawonica W.A.

5 Stars
Thanks Muhamet for making my dreams come true.

Had a great helper like Muhamet, he was very helpful and got to it when something wasn’t right. He was friendly and was great to have a great chat and good laugh too, would so go back to Muhamet again and will let my family and friends know what a great guy and recommend him to them. Thanks Muhamet for making my dreams come true we finally got somewhere.

Rebecca
Paralowie S.A. 5108

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