AAA Mortgage Solutions

MORTGAGE BROKERS
Michael Phillips

TUSMORE 5065, 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.

During this time I have gained a great understanding of lender policies which enables me to find the right solution for each clients needs.

I am a member of appropriate industry bodies and attained the Diploma of Financial Services. (finance mortgage broking management) I look forward to building long term relationships with new and existing clients to help achieve your goals.

Michael Phillips
Redwood Park SA 5097

Debt Consolidation, TUSMORE

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, TUSMORE

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, TUSMORE

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, TUSMORE

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, TUSMORE

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, TUSMORE

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, TUSMORE

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.

NEXT
PREVIOUS
5 Stars
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

5 Stars
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

5 Stars
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.

5 Stars
I really appreciate it.

I really appreciate it.

Thank you for all you’ve done, I really appreciate it.

Rana,
Brahma Lodge S.A.

5 Stars
Great Service

Great Service

< Will definitely recommend AAA to everyone I know. Great Service. Alexandro & Antonietta
Gawler South S.A.

5 Stars
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.

5 Stars
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.

5 Stars
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.

5 Stars
Fantastic Service

Fantastic Service

Big thank you to Michael Phillips, fantastic service.

Janelle
Magill S.A.

5 Stars
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.

5 Stars
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

5 Stars
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.

5 Stars
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.

5 Stars
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

5 Stars
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

5 Stars
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

5 Stars
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

5 Stars
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

5 Stars
He was Fantastic

He was Fantastic

I would recommend Michael Phillips to anyone! He was fantastic.

Jarrad and Meagan
Redwood Park

5 Stars
A Great Job

A Great Job

Michael Phillips did a great job – very happy with the service.

Daniel and Gayle
Pooraka

5 Stars
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

5 Stars
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

5 Stars
Always on the ball.

Always on the ball.

Michael was always on the ball. Well done and many thanks.

Annette & Glen
Hillbank

5 Stars
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

5 Stars
Excellent Service

Excellent Service

Excellent Service, I have already recommended yo to 2 people.

Sarno

5 Stars
“Awesome Service”

Awesome Service

Thanks to Michael Phillips, will use again and refer to friends and family.

Emin
Parafield Gardens

Our Lenders

NEXT
PREVIOUS
Logo
Logo
Logo
Logo
Logo
Logo
Logo
Logo
Logo
Logo
Logo
Logo
Logo
Logo
Logo
Logo
Logo
Logo
AAA AAA Mortgage Solutions Australian Credit Licence Number: 385791 © 2020 All Rights Reserved. Terms of Use. Privacy Policy. Internal Dispute Resolution Process. Site Map.
AAA Mortgage Solutions

making home loans easy

SPEAK WITH A BROKER

1300 555 888

FIND YOUR LOCAL BROKER