What our Customers say about us - First Home Buyers Loans Testimonials
What our Customers say about us - First Home Buyers Loansnew south wales customer feedbackFrom our first meeting, Elizabeth Biasi was courteous, friendly and obviously knew her stuff. However she was never pushy or pressuring, a big no - no for me as I also work in sales. Elizabeth “held our hand” through the whole process and was always happy to answer even the smallest, seemingly frivolous question, which was a real comfort and reassurance to both of us. Even after we had exchanged contracts she was always available to help us out and even came out to the house after we had moved in to see how we were going and offer advice and assurance. A BIG thanks again, and I would have no hesitation recommending X Inc, and Elizabeth in particular, to any of my family and closest friends. Carl Davies, Head of Online,Stenmark Organisation M Wong, Sydney We are now proud home owners. On behalf of our family, we thank you Angela Cornell for all your assistance. It is much appreciative. You have made this experience stress free and your contribution has been very worthwhile for all of us. Mike Small was great and really bent over backwards to help us purchase our home. We greatly appreciate the effort he went to. Would recommend his service to all my friends. We would have absolutely no hesitation in recommending Sandra Crossland and her company to friends and colleagues as we are sure that they would receive the same excellent service. She goes beyond the call of duty to ensure her customers satisfaction and wants only the very best outcome for her clients. Sandra saved us a huge amount of time by searching for hours through all the different types of products to find the one best for us. She was completely impartial and very professional. To buy our first home we had to borrow a large sum of money with very little savings. She took the time to explain all the options open to us and was always there to answer our questions before we bought our first home. As first home buyers, Dan Jansen made the process easy and stress free for us. He was knowledgeable and professional and explained everything to us as we went along, and we trust him 100%. We will continue to use Dan as our broker as we purchase more properties in the future. Phil Page was very helpful and "held our hand" all the way through the process, this been our first home we needed his constant re-assurance and support. He often went out of his way to get various documents filed for us especially when it came down to the wire; he certainly clinched it for us. Talk To a Mortgage BrokerIf you would like to talk to us confidentially about�your home loan options, email us the form below or call at any time on 13 XINC (13 9462) and we will return your call within 2 business hours. Elizabeth Biasi was an absolute professional in every aspect. We were nervous about buying our first home, Elizabeth made us feel very comfortable and helped us with the best options for our situation. She constantly went above and beyond any time we had a query or any difficulties, always professional, engaging and so helpful. We are now in our first home and owe it all to Elizabeth, her dedication and focus were completely unwavering giving us the security and confidence we needed. We honestly couldn't have done it without her and I would recommend talking to Elizabeth. We can never thank you enough. B. Mercer, Sydney As a first home buyer I was unsure and intimidated by the entire mortgage process. Anderson Vago was such a great help! He was thorough and patient in explaining the entire process. He also had an excellent knowledge of all products available within the market and was able to easily explain the pros and cons of each product assisting me to find one that suited me best. I would happily recommend Anderson Vago to anyone looking for a mortgage or to refinance. Jessica Simpson, Cronulla I had no idea I was able to purchase my own first home. I first met Anna Rimac when she was in my shop. I mentioned to her that I was unhappy about having to move for the third time in 18 months due to another landlord selling my rented property. Anna mentioned that she was a Mortgage Broker with X Inc and offered me a free consultation. Her knowledge of the products available and clear communication of the process was just what I needed. Best of all, I've finally been able to get all my favourite things out of storage (as well as out of my parent's way) and into my home. Katrina Lawson Christina, Chris and I both want to thank you Christina Falkowsa from the bottom of our hearts for all your help throughout the process of purchasing our first home. You were such a fantastic support and guide to us and we cannot thank you enough. We were a little anxious to begin with as we had already begun the process with another service, but found their broker, although friendly, to be far less forthcoming in providing the ongoing support that you did. Everything was so overwhelming for us initially and then became frustrating when we weren't supported and kept informed by our previous broker and we thought all brokers were like that - but you proved things to be different! You never made us feel pressured and always made information available to us in order for us to make the most informed choices. We were so happy when you were able to explain things to us as many times as we needed, everything was clear and your unending patience with our unending questions at any time of the day or night was more helpful than we could have expected. We have highly recommended you to those we know who are looking to buy a home, and we look forward to maintaining contact with you as we expand our portfolio in the future. Claudine & Chris, Sydney
Anderson Vago not only saved me time, but he also saved me money. I was impressed by his knowledge of mortgage products from so many different institutions; he was able to suggest alternatives until I found the product right for me. He was patient and always there to answer any questions I might have. I feel comfortable with the fact that if I recommended Anderson to my friends and colleagues that they would receive the same excellent service. Robert Ousey, Randwick
Lee Banh, what we liked most about your service was that you would go the extra mile to liaise with my agent, solicitors and other parties on our behalf to make sure everything would go smoothly. You were also great with communications, support and advice. This was a huge bonus. Before speaking with you, we literally spoke to five other mortgage companies. Aussie Home Loans, Mortgage Choice, Modern Mortgages, Wizard and because my wife is a school teacher we also had an appointment with the Teachers credit union. The main reason me and my wife decided to go with you (and X Inc) was because you understood our needs much better and made the appropriate recommendations instead of the hard sell presentations that the others did. Your free book, The Insiders Guide To Home Loans, provided us a giant stepping stone into the world of home loans and the real estate market. We found it very practical! Thanks Mate! A. Kumar (Store Person), Green Valley, NSW & R. Kumar (School Teacher)
helped us find the best property finance deal on the market. He took the time to explain all the options open to us and was always there to answer our questions and to calm our nerves before we bought our first home. Kane Race, University Lecturer, Bellevue Hill
Thank you Mike very much for all your help with our finance and for sorting out all the problems with the settlement with ANZ. As you know I was in a real state when I couldn't access the FHOG as required and without you going that extra mile for us I think I may have been 6 feet under by now with the stress of it all. We would recommend the name Mike Small to anyone wanting to look at buying a home. Your willingness to go that extra mile says a lot about you. Once again many many thanks for all your help. Lyn and Steve John, New Zealand
Lee Banh
was by far the best broker we have seen. Before speaking to Lee, we had several appointments with brokers like Aussie home loans, and a Rams guy. I told my wife I wasn't too happy with either of them and when Lee was referred to me by my brother in law I thought I would give him a go. What I needed was a broker that did not get too technical and Lee was just that. He explained to me everything I needed to know in very plain English, he has a very outgoing personality and was very easy to get along with and took the time to visit me each time there was something I needed explained. Lee also helped me do research for my property and I don't think I would have paid such a good price without his help. I have already referred Lee to work colleagues and I will recommend him to anyone looking to buy property! I've even included my number for personal reference! M. Kith (Site Supervisor) - Hinchinbrook, NSW
Anna Rimac
is absolutely fantastic! We are the ones who should be thanking her!! She put the extra time and effort where others put us in the 'too hard basket'. We will certainly be passing on the name Anna Rimac and her number to others when they need to find a home loan. Thank you so much, Hayley and Nigel Featonby "I think the personalised service and flexibility of X Inc brokers is excellent. Lee Banh was there for me 24/7 to answer even the silliest of questions. My partner and I had been trying for years to get into the housing market. After several knock backs and false starts we had given up. Our deposit wasn't great and with my partners colourful work history, no one would look at us. My broker, Lee took the time to understand our situation and was able to negotiate us a loan with a major lender. Basically, without X Inc and Lee's help we would still be trying to get into the market! B Kennedy (Spray Painter) - Hornsby, NSW B Mercer (Producer)
"Before seeing X Inc, we had a large default and didn't think we were able to get a mortgage at all. But we did think it was time to buy a home and renting was NOT an option for us. With the services you (Lee Banh) provided, we were able to get finance and find a place that we absolutely adore! What we liked most about your service was your eagerness to help in any way that you could. You provided solutions to difficult situations and didn't think that anything was difficult. We appreciate everything you've done and you are on top of our Christmas card list! Thank you for all your assistance, we are forever grateful and consider you a friend! J. Moog (Sales) and S. Boutkaska-Moog (Admin Officer) - Mascot, NSW
victoria customer feedback
When l first met (Daniel) l was extremely impressed with his knowledge, communication and recommendations. He patiently explained everything in detail and clearly showed us what our options where. Daniel was a great help to us especially since it was our first home loan. We found Daniel to be very friendly and understanding and made it very easy for us to understand. He was able to clarify questions and uncertainties that we had and also kept us informed on the progress of our loan. We thank Daniel for all his help and have no hesitation in recommending him to our friends and family. Sam & Maria Torcasio, Thomastown Six years ago I was in trouble with a leading bank. My brand new house was settling in a week and they hadn't processed my paperwork (which they had for 3 months). A friend passed Diana Todaro's name to me and I rang her with my problem. Within 6 working days, she had my loan organised and ready for settlement by the due date. Diana is an extremely organised and professional finance liasion officer. She knows her products and can direct you to the best loan suited for your needs. I have since been with Diana for a further three loans, in all cases, she organised the best loan suited for my needs. She dealt with all issues associated with the loans and all I had to do was sign the appropriate paper work. If you are looking for someone to take the stress out of getting you the right loan and making sure everything runs smoothly, then I have no hesitation in strongly recommending Diana Todaro as the person to use. The amount of time, stress and money she has saved me over the years cannot be put into words. Ann, Westlakes, Melton I bought my first home, and was recommended to Paul from a friend. I had no idea of what to do, scared, vulnerable and I was panicked. Paul Moulday made me feel at ease and showed me what was required. He did all the ground work, and found the financier who best suited me. He was fantastic with constant updates, and made the process so smooth, I thought that he made it too easy. I have recommended him to everyone I know. He is a legend! Leah Farrell, Bendigo Buying your first home is one of the most exciting and rewarding experiences we have ever been involved in. Adversely, it can also be extremely time consuming and stressful to a couple with little time to spare and a hectic work schedule! A friend recommended Sanchez to us and from our initial meeting; we knew we were dealing with someone we could trust. He communicated to us all aspects of the process clearly and with examples so that we could make an informed decision. This saved us many hours of research in finding a lender that suited both our budget and lifestyle. In addition to his experience and expertise, his level of customer service was exceptional. He made us feel like we were his number one priority despite his own busy schedule. When we were looking into purchasing our first home Michael Miatke's help was invaluable; he listened patiently to what we wanted, guided us through the process and assisted us in making sense of a variety of different loans. When we surprisingly found the house we wanted much earlier than expected, he did an amazing job getting us organised for a short settlement. It was so good to know that Michael would help us get approval for our loan and deal with the lender on our behalf. Having Michael on my side meant that a lot of the worry involved with purchasing a house was gone. He thought of everything, from building inspections to contents insurance! Michael gave me great peace of mind. I would have no reservations recommending Sanchez's service and will value his advice with any future property purchases and investments. It was a pleasure doing business with you Sanchez! I'd like to thank Steve Matsoukas for all his help with my finance. I was referred to him by a friend of mine who said he was fantastic and helpful and he was. His flexibility, responsiveness and knowledge were above my expectations. His ability to explain things in simple English and explain why things were needed made my whole experience easier. I am the type of person that can be high maintenance and I am hard to please, but you made getting into debt a stress free and enjoyable experience. I have secured my first home thanks to you. I would have no hesitation in recommending you to anyone.
Jacqui Priestly, Mernda Frank, we can't thank you enough! We couldn't be happier with the service you provided, it took away alot of the stress and worry that usually occurs without the asssitance of a financial professional like yourself. Our dreams have been fulfilled and once again THANK-YOU..... Roy and Carmen Pollard, Leongatha Troy Erickson was a fantastic person in assisting us in purchasing our first home. His patience in teaching us about what products best suited our needs and never being more than a phone call away for the simple questions we had was most appreciated. He also gave great advice not just on the mortgage product but other things we would need to consider when purchasing the home e.g. insurance, legal etc. We would recommend Troy to any person who is looking for a pleasant, hard working, professional broker to look after their mortgage requirements. Paul & Jane, Elwood.
Troy Erickson was fabulous through the whole buying process. When I made the decision to buy I thought that the finance part of the venture would be the hardest and most time consuming part, especially because I am a single parent, but Troy made it extremely easy. He was very helpful and I felt that I was in very capable hands. He knew what was important to me and made sure that I had everything I needed in a mortgage. If I had any questions or worries about any part of the buying process not just the mortgage Troy was always there giving me the information I needed or giving me the numbers and contacts that could best answer my queries. He really was fantastic and if I or anyone I know ever needs to get finance he will be the first person I recommend. He helped make one of the most exciting events in my life. Jodie Lightowler, Melbourne
Stephen Farrell
was very helpful when we bought our first home, he explained all the details about buying our home and getting a loan, and was able to work within our particular circumstances. His caring and professional manner made the whole process very easy, and we would definitely use him again and recommend him to others. Jynell & Bryan, Melbourne This document is an acknowledgment of the sincere gratitude which my partner, Beth Gibbeson, and I, Rathish Karthigesu, would like to extend to Mr Grant Rheuben. The decision to buy our first home was made easy after our initial meeting with Grant. The most outstanding aspect of dealing with Grant was that he was a good listener and fully understood what our needs were which reflected on the very smooth process of buying our new home. We found the whole procedure of buying a new home stress free and a very enjoyable experience mainly due to the fact that Grant had made us aware of the many variables and how best they can be managed. He was always contactable and very prompt in the response. It is also important to note the timely follow up and courtesy calls by Arriahne Worthy who kept us updated on the proceedings. We can confidently admit that our dealings with Grant were a very positive one and would have no hesitation in recommending his service to our friends and family. Rathish Karthigesu, Beth Gibbeson In short, Vince Cecys provided us with outstanding service. Being first home buyers the home loan market was a black hole for us. Vince was readily accessible at all times (even at very short notice) and provided prompt, practical advice to us and the family member involved in our Fast Track application. We love that he put himself in our shoes and found us the best product for our lifestyle and budget. We would highly recommend him to all our family and friends. as without him, we would not be in our own home today! I am an accomplished tradesman but fairly naive in the world of finance. Mike Phillip's advice and efforts in setting me up financially to be in a position purchase my first investment property have been first class, he has helped me set up a personal budget and a portfolio home loan. Thanks to Mike's efforts and "patience" these areas of my life have improved out of sight. On a personal level I also find him to be a terrific bloke. Barry Walker, Melbourne
I had dreamed for years about owning my own home but the whole process seemed completely overwhelming and far beyond my financial reach. Whilst wishfully walking through a display house and seeing all the things I thought I could never have, I was given a card for X-Inc Finance. I thought I'd give it a go, but prepared myself to be either pressured into something I wasn't able to afford, or to be laughed at for wasting their time. I spoke to Steve Matsoukas and right from the word go I was impressed beyond belief! He told me exactly what paperwork I would need to provide and then made arrangements to come and see me at my own home, after work hours. Steve walked me through what would happen step by step and what impressed me most was the fact that he was forthright and honest. It was clear that he wasn't going to pressure me into anything I didn't want or couldn't afford. He kept me level headed, prepared and informed. Having never dealt with any aspect of home ownership before, I had many questions and was quite confused by the whole process. Steve answered all of my questions, educated me beyond belief and kept me feeling confident throughout the whole process. He liaised with my land vendors and lawyers and I can quite honestly say that I couldn't have done it without him. Before I knew it, my finance had been approved and then the whole process really took off. My house is now currently almost at lock up stage and Steve and X-Inc Finance have been there for me every step of the way. I feel confident in the fact that I can turn to them should I have any questions or problems and this made the whole process seem less achievable and straightforward. Steve Matsoukas, his assistant Rhonda and X-Inc Finance have been invaluable throughout this whole process - their professionalism, great business manner and fantastic people skills are amazing and I only wish I had found them sooner. Rebecca Barratt, Melbourne, Victoria This was our first ever house loan and property purchase we were extremely satisfied with the level of service, expertise and professionalism which Mike Phillips provided us. We found that during what potentially could have been one of the most stressful transactions that we had ever made, you helped us through every step of the way and made it a painless and enjoyable experience. We would sincerely recommend you and your services to anyone we know attempting to gain finance for a home in the future. Brett & Kelly. Mornington, October 2006 We would like to express our deep gratitude for the way Katherine Howlett dealt with our finance package. Because of the caring and professional manner with which we were treated, both she and Jarred (Gerard) left us with the feeling that we were the only client she was dealing with. Now we are on the road to our new dream house.
Graham & Lorna Ryan, 8 August, 2005, Melbourne
I would like to thank my broker Troy Erickson from X Inc. for assisting me in purchasing my first home. I thought that it would be a stressful time but thankfully it was quite the opposite. Troy was fantastic to deal with and went that bit further to ensure everything was smooth sailing. Lucy Hehir, Melbourne, 21 September 2005
Purchasing my first home and obtaining the right money lender! where do you start? So many lenders and institutions offering this and that: what a time consuming overwhelming nightmare! But thanks to Clint Bravo - X Inc doing all the negotiating, ground between institutions was handled expertly by Clint he then presented me with the most suitable and appropriate options for my particular needs. Clint made buying my first home a stress free and painless experience Vicki
Excellent personal service, I did not feel like a number and am very grateful for Laurent Poirier's work. Jamie Spiers
I am writing this letter to you both, to let you know just how grateful my wife and I are for all the extra work you have put in. Knowing that no matter what time of the day or night I had a question, you were both (Steve Matsoukas & Rhonda) prepared to walk me through the problem was great relief during this stressful time. As we did not really know what we were doing, this has been a difficult time for us, and the fact that I could turn to you at X Inc, has been a real help. I can't give enough praise to both of you. This being our first home loan, we were unsure of whom to turn to for the best offers. I did talk to other Finance Brokers, But your professional manner set you apart. I fully understand that at times, you may have been busy, but when I did try to get in contact with you, you took the time to explain the whole situation to me and not just to brush me off. Thank you once again for your help, we are eternally grateful, and known that we have found some very valuable friends over the pass 10 months. Best wishes for your company in the future. Colin Murphy Andrew Rizio has been really helpful and professional. He put a lot of extra effort and willing to go an extra mile to help me. Having a mortgage broker for first home buyer is a MUST. It’s like having a trusted and dependable friend on your side, and you can pass some of your stress to them. I’m quite surprised as I always receive satisfactory response whenever I contacted him outside business hours or during holiday period. I have recommended X Inc/Andrew to 3 friends and will keep recommending him if anyone purchasing a property. I am happy to say that my experience in purchasing my first home was greatly assisted by Andrew. I found him to be extremely approachable, empathetic and always keen to exceed my expectations. His knowledge of the industry was evident and it certainly made me feel very comfortable. There was never any pressure and the entire process was based on providing me with the most competitive lending product available and the one that was best suited to my situation. Best of all the service provided was completely free!
queensland customer feedback
Our friends were looking to purchase their first home, and when we told them we were doing the same they gave us the number of their mortgage broker, Inta Maggs. We weren't sure exactly how Inta could help us because we didn't think we had saved quite enough for a deposit. Inta was able to visit us on a Saturday in our home, which was extremely helpful. She talked us through the process of purchasing a home, and was able to give us some home loan options right there and then! We were thrilled to learn that we were ready to start looking for a home.
Being first home buyers is tough! Luckily Paul Cox from Xinc was there every step of the way to give us the help and confidence we needed in making one of the biggest decisions of our lives. He definitely went above and beyond the call of duty to make sure our dreams became a reality! Thanks Paul! We spoke to a few mortgage brokers before finally choosing to go with Paul Cox as he was able to provide us with more information and options that suited our situation than any of the others. We never regretted the decision Paul assisted us every step of the way, which made our experience less daunting, especially as we were first home buyers. Let me know if you need anything else. Mag, Brisbane, Qld I would just like to let X Inc know that they are previliged to have the service of John Enright (Qld Broker). My husband and I recently purchased our first home and as you can guess, we needed help every step of the way. John Enright is polite, efficient and incredibly knowledgeable in all areas of finances. He always went beyond his call of duty, sometimes even being my councilor (yes there were a few tears). I'm not sure if this is the correct or only method to inform you but I simply could not go by another day without letting X Inc and future customers know of his service. We would certainly recommend you to others in the future. Jason McCubbin and Joanne Lake Right from the very first telephone conversation, Lidia (Sherwin) had the ability to put us at ease. Your kind and gentle nature along with your great expertise and knowledge made the purchase of our new home something, which could have been so difficult, so easy. Every phone conversation and every meeting with you regarding the purchase of our home was in terms that were designed to make our understanding of them as easy as possible. There were times when we were getting quite anxious, but you were right there with soothing words and a gentle pat on the arm, telling us "it's going to be alright". Lidia Sherwin is a name that will be known far and wide as the greatest asset a person could have when purchasing a home. The genuine interest and regard for our happiness was something that made the transition from being renters to home owners a very smooth and enjoyable experience for us. Deborah & Chris Arnott, Nerang Being First home owners we didn't know where to start but John Stone was very patient, went through all the steps we had to go through and helped us every step of the way. This gave us the confidence to go and purchase our first home. Thank you John! We had a few un- expected hiccups along the way. Having you come around to our home after work at any time of the day or night , was also really beneficial to us both. I have highly recommended my friends and family speak with you in regards to arranging finance, as I can honestly say you are amazing at what you do, and as a result of you enjoying your job, we as your clients get 110% input from you, and you do not receive that kind of personal service these days. Jacqueline Prinsen
We were first time buyers, Ross Hall walked us through all the jargon, math and paperwork, he basically worked hard to make our dream home ours! He was concise with his information, worked out the best deal and performed in the most timely manner. He even came to our house after we finished work!!!! Thanks Ross and X-INC p.s the dog loves this place! Alix & Stephen Pollock
Hi there. Right from the start Paul Menti made us feel like we were dealing with a friend. Coming to our house took any pressures away as we knew we'd have any info he required at hand. It also helped in the way that he could see how we lived & could appreciate what we had & what we wanted to do. What we thought would be a horrifying experience, became a dream come true. What we wanted,,,,,he made reality!!!! Absolutely 110% effort on his part made our future look so much brighter with ease. He knew everything we asked, to our surprise as we thought there would be the old, "have to get back to you about that"! i could go on & on, but will finish off by saying that even though 'the owner of the land we bought', 'the real estate agent that sold it to us' & 'the others involved in the process' stopped contacting us as soon as settlement went through,,,,, Paul from Xinc is still in contact to make sure we are totally satisfied!!!!!! Thanks Paul from X Inc for making it happen so perfectly A++++. Anonymous, QLD
western australia customer feedback
As a first home buyer I was pretty nervous about committing myself to a mortgage, but after I spoke to Peter Behrendt he put all my worries at ease. He was patient and explained everything to me from start to finish. The best part was he was contactable 24 hours a day - for whenever I had a pre-purchase panic attack! I'd definitely use him again. Bridget, Cammeray, NSW |
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