When you need a knowledgeable and calm mortgage broker who will educate you on the home loan options, help you make good choices, and then “get the job done”.
|Every bank has its own rules...|
...about how to calculate how much you can borrow. So the amount you can borrow will be different for each bank. Your bank may not necessarily be your best option.
|Banks can only offer you their own loans|
So they may try to fit you into their loan when another loan will suit you better.
|Some banks may not use all your income ...|
...when calculating how much you can borrow. Types of income that may not be included are overtime, casual income, sessional income, second jobs, contract jobs, income from a new job and Family Benefits payments.
|Not applying for the right loan the first time can be a problem.|
A credit check will be done on you every time you apply for a home loan. If the first bank you go to won’t lend you enough (or worse, rejects your application) then the next bank you apply to will see on the credit check that you have already applied elsewhere. This can affect your chances of being approved for the loan.
|New customers can be valued just as much or more as loyal customers.|
A bank you’ve never banked with before may be just as likely to lend to you as your own bank.
|Bank rules and rates are changing all the time.|
Choosing the best loan for you needs an up-to-date knowledge of current loan conditions, interest rates and fees.
|Banks process home loans like a factory production line.|
There are lots of people involved in processing your home loan between making an application and settlement. No-one is focused on your application but you and your broker.
|You Have More Choice|
We offer you a wide choice of loans from many different lenders giving you the greatest chance to borrow the amount you need at the lowest possible rate.
|Professional Tools to Assess Choices|
With thousands options on the market choosing the right loan can be difficult. We have an extensive tool kit to factually assess the options and make the right selection for you.
|We Advocate for You|
Everyone’s circumstances are unique. You may be surprised by how often loan applications need a mortgage professional to argue a case with the banks. We are your advocate.
|Benefit from Years of Experience|
There is no substitute for experience when you need a job done quickly and correctly. We have been providing mortgage broker services for over 12 years.
|Advice Based on Extensive Education|
Our mortgage brokers have completed at least the minimum education level of Diploma of Financial Services so you can be assured of receiving professional service.
|Advice Based on Always Knowing the Latest|
Mortgage conditions and rates change constantly. Our mortgage brokers complete a minimum of 20 hours additional professional education every year and are continually briefed by lenders on changes to products and policies. You’ll never be left out of date.
|Government Accredited Broker|
Our mortgage brokers are accredited with the Australian Securities Commissions as Credit Representatives authorised under our Australian Credit Licence Number 382830 in the name of Docherty Holdings Pty Ltd (ACN 89 760 825 762)
|Verified Professional Standard|
We are members of the Mortgage Finance Association of Australia which sets professional standard requirements for membership which gives your third party verification of our professionalism.
|Because Your Lender Pays Our Costs|
We are paid by the lender after settlement. This will not make your loan any more costly than if you went direct to the lender.
|Surety That Your Application is a Success|
Because we only get paid for our work when you get a loan you can be sure that we won’t encourage you to apply if we don’t reasonably think you can get the loan and we have every incentive to ensure your application is successful.
|Line of Credit|
|Credit Impaired Loans|
Patrick Docherty founded Custom Financial & Home Loans Solutions over ten years ago and has grown it into a successful mortgage broking practice largely through client and professional referrals – a testament to the quality service he provides. He has built his business and reputation on the back of his core values of respect, trust, and peace-of-mind.
Patrick established the company after previous experience in the property investment industry and a period operating as a Mortgage Choice broker.
His clients readily warm to him as a knowledgeable and calming influence and he sees himself very much as an educator and facilitator who give his clients the options, and then “gets the job done”.
Patrick is a strong contributor to business and community organisations.
He is has been an active member of Rotary for more than five years and as the chair of their International Committee worked on projects for orphanages in Vietnam and Cambodia including the recent building of a well to bring water to over 200 people. He also worked on a Rotary project to take ten Australian students to the 2015 Gallipoli commemoration.
As the President of his daughter’s netball club, the coach and life member of his son’s cricket team, and a ten year member of a local BNI business networking group Patrick is a trusted and highly respected community leader.
In addition to a general home mortgage service we provide the following specialist mortgage information services on our website and on social media.