BUSINESS BY THE BEACHES
A Catalyst
TOWARDS AN EASY FUTURE There has never been a better time to seek mortgage advice. The pinch has been fierce, and many of us are walking a financial tight-rope. We caught up with Jonathan Valentino from award winning mortgage broker, Catalyst, to find out how their services can help.
Who is Catalyst? We’re a team of locally based, highlyqualified mortgage brokers dedicated to providing holistic financial services to real estate-focused clients. Our offices are in the Sydney CBD and Dee Why. As leading experts in our field, we settle many transactions each year, giving us a deep knowledge of the lending landscape. Our intimate relationships with our lender partners allow us to achieve superior results for clients. What services do you provide? It can be a tricky process to borrow money, but we can help. We will navigate you through the process of purchasing a home, investment property, or commercial property. We can also help with refinancing and accessing equity within your property for renovations or future investment opportunities. We offer finance assistance to businesses as well as
clients looking to buy within their SelfManaged Super Fund (SMSF). What are the main benefits behind seeking professional advice before buying property? We are able to access the same systems and calculators that banks use to determine your borrowing capacity. We use this figure, as well as the savings or funds you can access, to work out your maximum purchase price by factoring in all of the associated costs that come with purchasing property (i.e. stamp duty, legal fees etc.). We advise working with a good conveyancer or lawyer to review the Contract of Sale, strata reports and building and pest inspection reports. They’ll be able to spot any potential issues in those reports that could be a big factor when purchasing a property. Thirdly, you’ll want to get opinions from local real estate agents on what they
think the property is worth and what’s happening in the area or suburb where you’re considering buying. They can also advise on similar properties recently sold in the area so that you know your price is fair compared to those sold recently. What are the key differences between borrowing from a bank or a non-bank? The only real difference between banks and non-banks is that banks have a branch network, although most banks are progressively reducing the number of branches available. All banks and lenders have different niche policies that suit specific financial positions, goals and objectives. Our role is to analyse our client’s financial position, discuss their goals and objectives, then review against the various bank and lender’s policies to see which is the best fit for our client.
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