Hi my name is Shahrooz Mehrabkhani. I have a Certificate VI in Finance and Mortgage Broking and I am an Authorised Credit Representative for AAA Mortgage Solutions. I am also a member of FBBA and CIO.
As a Mortgage broker my aim is to help my client’s achieve their finance goals by giving them advice on the best suitable loan for their needs, whether you are looking at buying your first home, investment property, refinancing your home loan or just want to save money by consolidating I am here to help you. I have access to hundreds of home loans from a large panel of lenders and will work hard to find you the best deal on your behalf.
It is a great feeling knowing I am helping my clients achieve their financial goals, whilst building long term relationship with them.
I also speak fluent English and Farsi (Persian) 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.
English, Farsi (Persian)
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.