Mortgage Broker place Catherine Yap

catherine yap & associates

mobile: 0403 766 868  office: +61 7 3343 9087  fax: +61 7 3036 6237  email: catherine.yap@xinc.net.au
postal address: PO Box 352, Sunnybank QLD 4109
principal mortgage broker: Catherine Yap  trading entity: Oz Power Stars P/L T/A Gold Star Finance
foreign languages spoken, written or read: English, Cantonese and Mandarin

With access to over 30 residential and commercial lending institutions including banks, buildings societies, credit unions and other non-bank lenders, I find the right loan for ever client.

First Home Buyers

When buying your first home the process may seem daunting, however I will take some of the stress out of the process. With your circumstances in mind, I will identify the right home loan package to suit your needs.  In addition to your home loan application I will guide you through the process of applying for the First Home Owner Grant.

For more information about the First Home Owner Grant, visit:
The Federal Government FHOG
The Queensland Government FHOG

Investors

Unlocking the equity in your home to purchase an investment property can be a very rewarding option however finding the right investment loan can be complicated.  I will be on hand to guide you through this process to ensure you get the finance to suit your needs.

Low or no document loans

As a self employee you may not always have the financial information requested by some lenders.  Show me your ability to make the loan repayments and I will show you a range of lenders that offer low or no documentation loans.  With limited or no financial reports required, a low or no document loan maybe just what you need to get you into your dream home faster.

Whether you are looking to buy your business premises, buy plant or machinery or expand your existing business, I will be able to secure a competitive business loan so you can reach your goal sooner. Catherine Yap

Reverse Mortgage

Reverse mortgages are for people who own their own home but do not have the cash available for their day-to-day living expenses. A reverse mortgage allows you to borrow against the value of your home, paying the money back either when you sell your home or permanently move out. As a SEQUAL-accredited Reverse Mortgage consultant, I will advise you on the pros and cons of this type of financing.

Refinancing

It can be hard to stay on top of debts and multiple repayments. I can show you how to consolidate your debts into one loan with one repayment and even look at the option of borrowing more money to renovate or invest.

Small businesses

Whether you are looking to buy your business premises, buy plant or machinery or expand your existing business, I will be able to secure a competitive business loan so you can reach your goal sooner. I have secured business loans for a number of clients including those in business acquisitions, franchises, medical / dental industry, manufacturing, and agribusiness.

International Borrowers

You might be an Australian citizen working overseas or a foreign national looking at investing in Australia, either way, my expertise and professionalism will ensure that you'lll be provided with detailed advice on the best strategy to obtain the loan.   I will act as an intermediary between you and over 30 lenders.

Extra Services

Home and Content Insurance: A new property is quite an increase in your commitments. Smartline can help you arrange your insurance cover quickly and easily.
Mortgage Repayment Protection: A mortgage is a major financial commitment that will need to be met even if you are injured or experience a serious illness.
Deposit Bonds: A deposit bond (or deposit guarantee) is a simple and cost-effective alternative to a cash deposit when purchasing property eg. For Auction and off the plan purchase.
Personal Loan: A personal loan can be a quick and easy way to obtain finance for a range of purpose.

Qualifications

• Accredited by the Finance Brokers Association of Australia (FBAA) & Mortgage & Finance Association of Australia (MFAA)
• Reverse Mortgage Consultant with the Senior Australians Equity Release Association of Lenders Association of Lenders (SEQUAL)

Customer Service Area Areas Serviced

I offer services throughout Brisbane and its surrounding suburbs just to name a few:– Acacia Ridge, Algester, Annerley, Archerfield, Beenleigh, Belmont, Bethania, Boronia Heights, Browns Plains, Bulimba, Buranda, Calamvale, Camp Hill, Cannon Hill, Capalaba, Carina, Carindale, Chandler, Colmslie, coopers Plains, Coorparoo, Corinda, Crestmead, Daisy Hill, Drewvale, Eagleby, Edens landing, Eight Mile Plains, Fairfield, Fruitgrove, Greenslopes, Hamilton, Hillcrest, Holland Park, Inala, Jindalee, Kingston, Kuraby, Logan, Macgregor, Mackenzie, Mansfield, Marsden, Meadowbrook, Middle Park, Moorooka, Morningside, Mount Gravatt, Mt Ommaney, Nathan, Oxley, Park Ridge, Regents Park, Richlands, Robertson, Rochedale, Rocklea, Runcorn, Salisbury, Shailer Park, Sherwood, Slacks Creek, Springwood, Stones Corner, Stretton, Sunnybank, Sunnybank Hills, Tingalpa, Underwood, Upper Mt Gravatt, Waterford, Wishart, Woodridge. I also welcome queries from across the states.

Home Loan Help for all kinds of people

My clients come from a range of backgrounds and situations:- first home buyers, investors, self employed, businesses, senior, retiree and those seeking refinancing or debt consolidation options; Ethnic groups:- Australian, New Zealanders, Chinese, Taiwanese, Hong Kong, Singaporean, Malaysian, Polynesian, English. Also from different occupations and walk of life:- Accountant, Administrator, Architect, Artist, Athlete, Attorney, Auditor, Author, Baker, Barber, Beautician, Boilermaker, Book keeper, Builder, Business Owner, Cab Driver, Cabinet-maker, Carpenter, Cashier, Chef, Chemist, civil engineer, Cleaner, Clerk, Coach, computer Engineer, Construction Worker, Consultant, Courier, Dancer, Dentist, Designer, Dietician, Doctor, Draftsman, Dressmaker, Electrician, Estate Agent, Farmer, Firefighter, Fisherman, Flight Attendant, Florist, footballer, Greengrocer, Hairdresser, handyman, herbalist, Interpreter, Journalist, Judge, Labourer, Lawyer, Lecturer, Librarian, Lifeguard, Locksmith, Maid, Manager, Manufacturer, Model, Musician, Nurse, Operator, Optician, Painter, Pharmacist, Pilot, Plumber, Professor, Prostitute, Psychiatrist, Reporter, Researcher, Restaurant, Retailer, Salesperson, Scientist, Secretary, Social worker, soldier, Solicitor, Stock broker, Swimmer, Taxi driver, Teacher, Technician, Telemarketer, Tiler, Tradesman, Truck Driver, Waiter, Welder, Winemaker and Writers.

iso quality and accreditations

All X Inc Finance brokers are members of the MFAA, COSL and are accredited with all lenders on the X Inc residential banks and lenders panel. Many brokers are also accredited with the commercial and business lenders and suitably qualified to structure and assist you with commercial or business applications. X Inc Finance are the only national mortgage brokers with ISO 9000 Quality accreditation. ISO ensures we have the right customer service standards and processes in place to ensure we are doing the right thing by every Customer.