Hi my name is (Phyllis) Yu Fu, I have worked in the Credit/Finance Industry since 2015 and hold a Diploma of Finance & Mortgage Broking Management and a Bachelor degree in Finance.
I am an Authorised Credit Representative of AAA Mortgage Solutions and a member of FBAA and COSL. I specialise in helping my clients achieve their financial dreams and goals.
Finding the most suitable home loan from a large panel of lenders is just the start. I analyse your particular circumstances and needs and then guide you through the process from start to finish.
Whether you are trying to pay off your home sooner, reduce your monthly commitment, buying a property to live in or an investment, I am there to assist you every step of the way.
I also speak fluent Mandarin and would be more than happy to help your friends and family members with any financial requirements they may need. I look forward to the opportunity in helping you achieve your financial goals.
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.
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.
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.
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.
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.
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.
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.