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Michael Phillips
BANKSIA PARK 5091, 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.
My tenure in the industry has equipped me with a deep understanding of lender policies, empowering me to tailor the perfect solution for each client's unique needs.
As a member of industry bodies and a holder of a Diploma in Financial Services, I am committed to fostering enduring relationships with both new and existing clients. Your goals are my priority, and I am here to help you achieve them.
Michael Phillips
Redwood Park SA 5097
Debt Consolidation, BANKSIA 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, BANKSIA 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, BANKSIA 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, BANKSIA 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, BANKSIA 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, BANKSIA 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, BANKSIA 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.
Michael was amazing.
Everything was made so easy and we felt supported in the whole process from start to finish.. Michael was amazing.
Courtney and Bianca
Parafield Gardens S.A. 5107
Absolutely brilliant!
Michael has been absolutely brilliant throughout this entire process and we are extremely happy to have chosen AAA. Thanks for all your help Michael this has been greatly appreciated.
Kris
Lewiston S.A. 5501
Always easy to contact.
Very happy with AAA Mortgage Solutions, Michael was great! Always easy to contact and prompt with his assistance.
Thanks!
Patrick and Karlee
Marleston S.A. 5033
Recommend him in the future
Recommend him in the future
Michael is always great and we will continue to use him and recommend him in the future.
Thomas and Alicia
Greenwith S.A. 5125
Great Service
Great Service
Michael helped me to refinance for a better deal than my existing bank would offer. Great service and very happy, would recommend.
Stephen
Hectorville S.A. 5073
Prompt, trustworthy, provider
Prompt, trustworthy, provider
I have used Micahel as a Loan Broker for a very long time, recommended him to my children. Prompt, trustworthy, provider, could not recommend highly enough.
Raymond and Susan
Salisbury Heights S.A.
I really appreciate it.
I really appreciate it.
Thank you for all you’ve done, I really appreciate it.
Rana,
Brahma Lodge S.A.
Great Service
Great Service
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Will definitely recommend AAA to everyone I know. Great Service.
Alexandro & Antonietta
Gawler South S.A.
Very helpful throughout.
Very helpful throughout.
I just want to thank Michael Phillips for helping me get my mortgage. He was very helpful throughout the process. I will definitely recommend Michael to my friends and family.
Anastasia
Gilberton S.A.
Went out of his way.
Went out of his way.
Michael was very helpful and went out of his way to ensure all of our paperwork was processed quickly.
Samantha and Krystal
St Agnes S.A.
Thinking it wasn’t going to be possible
Thinking it wasn’t going to be possible
I actually approached another Company at first and came out of there office feeling a bit depressed as thinking it wasn’t going to be possible.
My hours at work at the time where a bit low and the person I saw seemed to be negative.
It was then that I was put onto Michael and nothing seemed to be a problem and made it all happen in a positive way!
Very Happy, Cheers Michael
Paul
Peterhead 5016 S.A.
Fantastic Service
Fantastic Service
Big thank you to Michael Phillips, fantastic service.
Janelle
Magill S.A.
I tell all my friends.
I tell all my friends.
Michael made this purchase so easy for me I tell all my friends to use him, he is a true pro at his job.
Thanks Michael
John Willaston S.A.
Michael had our loan easily secured
Michael had our loan easily secured
Michael Phillips from AAA Mortgage is an EXCEPTIONAL mortgage broker who can get results where others can’t.
Our friend recommended Michael when our current mortgage broker could not secure our bank loan after 5 weeks and we were looking into the complicated process of bridging finance and other possibilities which were looking futile.
My friend insisted we try Michael as he had managed to help her get a loan when her existing mortgage broker couldn’t and in desperation we contacted him.
In 2.5 weeks Michael had our loan easily secured. No fuss. No expensive bridging finance. His knowledge, persistence and people skills make him an unbelievably good mortgage broker. He knows how to work with obstacles and calmly and methodically meets them until the deal is secured.
We are looking forward to spending the next 30 years of our lives living in our dream home and we never would have got if it hadn’t been for Michael. Thank you. We cannot recommend him highly enough.
Christopher and Gabriella
Stepney S.A
Took the stress out.
Took the stress out.
Michael Phillips was excellent – great service, all completed very promptly. Took the stress out of the process. Thanks
Nicole and Raymond
Lyndock S.A.
I would definitely recommend!
I would definitely recommend!
Michael provided great service and quality advice. I had a short settlement period and he ensured I received my approval very quickly and post approval went off smoothly. I would definitely recommend!
Stephen
Hectorville S.A.
Whole process so easy.
Whole process so easy.
I have already recommended Michael twice!
Whole process so easy, I will never put off refinancing again.
Alison
West Croydon SA
I’m very happy.
I’m very happy.
I’m very happy with the excellent service provided by Michal Phillips.
Thank You
Sandra
Endeavor Hills – VIC
Explained and gave us options
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
Very happy with the service
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
Service and genuine effort
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
He was Fantastic
He was Fantastic
I would recommend Michael Phillips to anyone! He was fantastic.
Jarrad and Meagan
Redwood Park
A Great Job
A Great Job
Michael Phillips did a great job – very happy with the service.
Daniel and Gayle
Pooraka
Always acted with such professionalism
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
Relieving me of any worries
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
Always on the ball.
Always on the ball.
Michael was always on the ball. Well done and many thanks.
Annette & Glen
Hillbank
Michael Phillips is a genius!
Michael Phillips is a genius!
Michael Phillips is a genius! Has done an awesome job…. He is our go to man!
James
Davoren Park
Excellent Service
Excellent Service
Excellent Service, I have already recommended yo to 2 people.
Sarno
“Awesome Service”
Awesome Service
Thanks to Michael Phillips, will use again and refer to friends and family.
Emin
Parafield Gardens
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