AAA Mortgage Solutions

MORTGAGE BROKERS
John Hetzel

HILLBANK 5112, SA

I have been a Mortgage Broker for 15 years now, and an Accountant for 12 years.

I have a Diploma in Financial Services and I am a member of the MFAA and COSL. I am an Authorised Credit Representative of AAA Mortgage Solutions.

I enjoy a friendly but professional approach to my client’s financial needs and love to help people achieve their financial goals.

I have worked with AAA Mortgage Solutions for nearly 10 years now, and enjoy the team environment. I am a Father of two, enjoy golf, reading and the beach when not working.

My priority is you, THE CLIENT and I am available 9am to 9pm 7 days a week for any financial enquires. I am also a specialist in Commercial Lending from $500,000 to $10 million plus with several choices of Lenders/Banks. Please call to discuss your scenario.

John Hetzel
Craigmore SA 5114

Debt Consolidation, HILLBANK

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, HILLBANK

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, HILLBANK

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, HILLBANK

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, HILLBANK

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, HILLBANK

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, HILLBANK

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
We would recommend John to anyone

Dear John,
We refinanced away from high interest rates , cleared a caveat on the title and reduced our debts reducing the monthly payments all thanks to John Hetzel our Mortgage Broker.

We appreciate your punctuality, hard work, incredible support and expertise.

We would recommend John to anyone looking for a mortgage broker with a friendly approach and professional manner.

Thanks
Zahidul and Olinda
Parafield  Gardens S.A. 5107

5 Stars
We don’t want our friends to suffer.

John Hetzel really is the best mortgage broker, goes way up and beyond whenever he can help.

John is now the only broker we use and recommend at every opportunity. We don’t want our friends to suffer the unreliable broker and they are out there. Three cheers for John….

Dominique
Sorell Tas 7172

5 Stars
Awesome guy to deal with.

John is such an awesome guy to deal with and will go to the Ends of the Earth to help you purchase your next home. How do I know?  Because he did it for us and we love our new home and neighbourhood.

Geoff and Carolyn (Self Employed)
Craigmore  SA

5 Stars
Informed throughout the process

Informed throughout the process

John Hetzel was friendly, professional and hard working. He made sure to get the “best deal” for us and kept us “informed throughout the process.” We would “recommend him “ to other couples and families looking to get a better deal on their home loan. John made the process “ easy and we are grateful all his efforts”. Refinancing has saved us money and given us cash in our pocket too.

Melanie and Darren
Tea Tree Gully SA 5091

5 Stars
With proper guidance and in a professional manner.

With proper guidance and in a professional manner.

Two months ago, I first talked to my bank which I already had a home loan account, for refinancing and buying a new house. The response was not very good. Then talked to several other mortgage brokers looking for any possibility of applying for a home loan.

“Your credit rating is low” one said. and here is a few others said.
” You are 55, you cant have a loan with 30 year term, maximum you can get is 15 years”
“Your income is not enough for 15 year loan”
” How do you think you are going to pay back?”
” Call me again in 2 years time, when you have saved enough for a deposit”
“Your second job must be at least 2 years old to apply for a loan”

I met John at a moment I have given up hopes and John spoke so gently and explained possibilities and showed me the potential.

“55 years old is good. Good age”
” you have a good credit rate”
“You can have a loan to pay in 30 years”
” Your second job is 6 months old and that would be okay”

John took me on the journey of applying for 2 home loans with proper guidance and in a professional manner. John chose the right bank and the right product that suits my requirement.He skipped the step of having the pre-approval for a loan. He straight went applying for the loan. He took me on this journey providing professional advice, not only about the loan application and helped me at dealing with property managers, and conveyancers. Also, communicated with them on behalf of me whenever necessary providing assurance.

Today is the big day. The settlement of the house is happening today. Thank you John, without you, today is just another day of life.

Donna
Pooraka S.A. 5095

5 Stars
The only person who never lost interest

The only person who never lost interest

We are extremely happy and grateful to Mr John Hetzel, AAA Mortgage for his outstanding cooperation to make a successful outcome for us for which we have been struggling and waiting over the last 2 years.

John has made our dream into a real figure. His professional service is highly appreciated. He has always been easily accessible and flexible in communication. He was the only person who never lost interest as well as not giving up to execute a nearly impossible job. We wish AAA Mortgage will continue its support and cooperation. Thank You.

Abdullah and Afsana
Golden Grove S.A.

5 Stars
Thank You

Thank You

Thank you to AAA and John Hetzel for always helping us.

Wayne and Karen
Para Hills SA

5 Stars
Kept me informed of every small detail

Kept me informed of every small detail

I am very impressed by John Hetzel. I approached several firms by email; John replied almost immediately and his whole manner; open no hard-sell, friendly courteous – made it clear that I would do business with him. He has been very attentive and helpful right through the process and has kept me informed of every small detail. I have already given his card to one prospective client, with my warm recommendation. I do not like the $200 gift card idea though. It is likely to make anyone who signs up think I recommended you just for the bonus. I recommend people and firms because they have earned my regard, not for my personal gain.

Marius
Laura S.A.

5 Stars
An absolute pleasure to deal with

An absolute pleasure to deal with

John Hetzel was or is my Mortgage Broker. John is an absolute pleasure to deal with. He is kind, friendly and was very supportive through the whole process. I would very happily like to retain his services for the future.

Kind Regards
Karren
Salisbury North

5 Stars
Well Done

Well Done

Job well done to help me very good. Happy with you all.

Chanda
Salisbury Downs

5 Stars
Highly recommended at every opportunity.

Highly recommended at every opportunity.

John was absolutely fabulous. AAA Mortgage Solutions and John will be highly recommended at every opportunity. Thanks again John.

Dominique and Phillip
Sorell
Tasmania

5 Stars
Outstanding

Outstanding

John Hezel was outstanding! He returned calls when asked. He was politely persistent and genuinely interested in our well being. Well done John.

Jeffrey and Richene
Salisbury North

5 Stars
Would gladly recommend

Would gladly recommend

Was very happy with the service provided by John Hetzel. Would gladly recommend.

Alessandra
Port Willunga

5 Stars
Thanks to John

Thanks to John

I would like to thank John Hetzel for his work on refinancing my Pepper loan to the ANZ. Better payment plan, less interest.

Thanks Again John.
Robert & Geyer
Whyalla

5 Stars
thank-you for all the time and effort

thank-you for all the time and effort

On behalf of my wife Colleen & myself, I would like to take this opportunity to say thank-you for all the time and effort you applied to secure our refinance for our mortgage and personal loan. Due to the total amount of the mortgage & personal loan I knew it was going to be a battle to find a company to be willing to take us on board but due to your efforts, we are now on our way to a brighter and happier future thanks to you. During the process you kept us up to date with all that was going on in regards to the loan and made it as most relaxed as you possibly could with the presentation of the required documents. We would have no hesitation in recommending you or AAA Mortgage Solutions to any friend, family member or just anyone in general. Once again, thank-you John and here’s to a brighter future for our family and us.

Sincerely
Bruce & Colleen
Craigmore

5 Stars
Appreciation & thanks

Appreciation & thanks

To whom it may concern,
Appreciation & thanks is given to John Hetzel and AAA Mortgage Solutions for the professional Mortgage Broking services received.

Being self-employed we found many banks could not assist, but with John Hetzel’s Non-Conforming Lending experience and friendly help, we achieved a positive result, achieving the approval and funds we required.

David & Sandy
Modbury

5 Stars
John Hetzel Great Job.

John Hetzel Great Job.

John Hetzel great job. I Believe that AAA has done a good job, I will be recommending you to people I know.

David & Michelle
Redwood Park

5 Stars
John Hetzel saved us from losing our home.

John Hetzel saved us from losing our home.

John Hetzel saved us from losing our home of nearly 28 years. John explained the process and made it so easy to understand what needed to be done.

After being declined by a couple of lenders John persisted in helping me and not giving up, always gave me support and courage.

Today after all of Johns hard work has found a lender. I couldn’t believe it, the best news I could ever get and to say thank you to John will never be enough.

I would like to thank AAA Mortgage Solutions for finding me an amazing Broker and to John for all your help, guidance and all the hard work you put in throughout this difficult time and achieving what I thought would not be possible.

AAA Mortgage Solutions, especially my Broker John Hetzel will always be more than highly recommended especially for dealing with such difficult situations.

Always grateful
Maria
Para Vista

5 Stars
John had his work cut out

John had his work cut out

To whom it may concern,
RE: John Hetzel

We would like to recommend the Mortgage Broker Services of John at AAA Mortgage Solutions for attending to a difficult loan – refinance in March 2015.

John had his work cut out with our ages of 64 & 65. He helped us consolidate some debts and personal loans reducing our monthly commitments by over $500 per month. Also reducing of interest rate by 2%pa. We would recommend John Hetzel to assist any applicant to refinance or purchase a home.

Jacintha
Craigmore.

5 Stars
Perfect person to deal with.

Perfect person to deal with.

Mr John Hetzel was the perfect person to deal with.

Josef

5 Stars
Mr Hetzel is a legend!!!

Mr Hetzel is a legend!!!

Mr Hetzel is a legend!!

Steef

5 Stars
Thanks for your help.

Thanks for your help.

Thanks for your help.

Quoc

5 Stars
There were some very tricky things that popped up..

There were some very tricky things that popped up..

14/05/2012

Hello John,
I have been meaning to email you for quite some time but work has been absolutely crazy lately and I really don’t get a lot of time throughout the day to do much else.

I just really wanted to say a big thank you to you for all your support throughout my loan application, very much appreciated! There were some very tricky things that popped up unexpectedly throughout my application that created a great deal of additional stress for me. However without your support and efficient follow up throughout this, I may have been faced with a very different outcome to the positive one that I am very grateful to have received.

Thanks so much John, my home renovations are now looking a whole lot closer to be finished thanks to you!!

Take care
Deanna

5 Stars
Without your expertise it would have been next to impossible.

Without your expertise it would have been next to impossible.

4/05/2012

Dearest John,

I just wanted to thank you for your efforts to obtain my very difficult loan. Without your expertise it would have been next to impossible to get my finance approved due to the unusual purchase. Once again thank you very much for making the impossible possible.

Yours Sincerely
Jozsi

5 Stars
John saved us a large amount of unnecessary repayments

John saved us a large amount of unnecessary repayments

19/04/2012

To John Hetzel

Pietro & I would like to thank AAA Mortgage solutions and John Hetzel for assisting us in refinancing our high interest loans that have been reduced significantly which has saved us a large amount of unnecessary repayments.

John has been very patient and professional in providing us with an excellent service, we found him very professional and helpful throughout the process.

I would not have any hesitation In recommending John Hetzel to any of my friends or family for mortgage broking and financial procurement.

Regards
Ida

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