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POLICE HOME LOANS. SPECIALIST BROKERS FOR NSW POLICE OFFICERS.

MAXIMISE AVAILABLE BENEFITS, DISCOUNTS & OFFERS

Our goal is to maximise your outcome as a customer. This includes mortgage
reduction strategies, debt reduction strategies, purchasing power strategies and
ultimately where you can live & invest.

TRUSTED EXPERT ADVICE

We are full members of the industries peak nation body The Mortgage & Finance
Association of Australia (MFAA).

SOLUTIONS AND ADVICE

Like you the biggest part of our job is finding solutions that work well under
real world conditions.

0420763784


START NOW!














LEARNING MORE ABOUT POLICE HOME LOANS


OUR BUSINESS IS ADVICE AND STRATEGY BASED. WE ARE WIDELY RECOGNISED AS HAVING
SUPERIOR KNOWLEDGE OF BANK & LENDER POLICY AS IT RELATES TO POLICE IN NEW SOUTH
WALES. WE USE THIS KNOWLEDGE TO INCREASE THE NUMBER OF OPTIONS POLICE CUSTOMERS
HAVE & THE QUALITY OF THOSE OPTIONS.




BUILT ON REFERRALS

Our clients recognize that correctly selecting and structuring their home loan
is probably the most important and impactful financial decision of their
lifetime. The right home loan is a tool to improve where you live and even how
you live. It is the basis for everything that follows. Our clients appreciate
the difference we have made to them and only refer us to clients who could
benefit from and appreciate our approach. Ask a friend, someone in your PAC has
probably used our services.


WHY CHOOSE US?

A SINGLE CHOICE IS REALLY NO CHOICE AT ALL

Most police families will have a raft of different options. We will help you
compare apples and apples.

STRATEGY, INVESTMENT AND GROWTH

Tell us your plans, goals and ideas. We will help you get from where you are to
where you want to be.

SOLUTION BASED APPROACH

We will build a recommendation for you based on the facts you tell us. We will
find a lender that understands your issues.



WHAT THEY SAY ABOUT US!

 * "This is the first time we have used a Broker over going direct to the Banks,
   what a shame we didn't do it earlier. Absolutely fantastic customer service
   and help from Don and his team. From the very beginning in talking with Don,
   I was amazed at how much help he could offer, his wealth of experience and
   know how which took all of the stress of refinancing out of my hands (& maybe
   into his). He never sounded like it was false helpfulness, he got the best
   deal for us, which I couldn't get going directly to a Bank and with both of
   us working full time it just wasn't possible. A lot of companies could
   benefit from his team's great customer focus. I am very happy to recommend
   them as a great broker and business to deal with, don't waste your time, get
   in touch with the experts on the Coast."
   
   Jacqui from Central Coast NSW

 * "They were able to achieve the exact outcome which we discussed with Don.
   Give Don a call, I’m confident he will be able to achieve the outcome that
   you wish for. Since using them I have referred my sister who has also been
   able to achieve what she wanted after she was advised by other financial
   institutes it was not possible. We are very happy with the service and the
   outcome and would highly recommend Don and Liz."
   
   Brett & Sarah from Central Coast NSW

 * "Hey Don, standing in the new house as we speak. Can’t wait to get on the
   tools and rip up the old carpet and lino. Thank you for helping me buy my
   first house. It definitely wouldn’t have been possible without you."
   
   Kate from Central Coast NSW

 * "What can I say Don had a huge challenge ahead of him dealing with my wife
   and I. Why you ask? Simply because my lovely wife had been a mortgage broker
   for 10 years before she changed jobs. I felt sorry for Don at first as she is
   very particular about doing everything right to a point of OCD. Don is
   switched on, honest, proactive, attentive and very helpful. He contacted us
   nearly every day even if he didn't have any further news. Honestly he called
   us before we called him and I honestly can't speak highly enough of Don, his
   staff and the service you receive with them. Thanks again guys for your help
   in getting our dream home"
   
   Matt & Kate from country NSW

 * "My wife and I contacted Don and his team as we wanted a better deal on our
   existing loan. We found that Don and his professional team were able to meet
   and exceed our expectations of what a mortgage broker can do. From the
   initial call through to settlement they kept us informed every step of the
   way. I would not hesitate to recommend Don and his team to any person wanting
   a better deal on their loan."
   
   Brett & Narelle from Sydney

 * "Thankyou Don & Liz and all the team for your wonderful service,
   professionalism & support throughout the time we have dealt with you. Highly
   recommend to all our
   family & friends!!"
   
   Effie from Sydney



EVIDENCE MATTERS WHEN IT COMES TO REAL ESTATE

When it comes to property, information is extremely valuable. All our clients
have access to real property data from core logic. Simply send your broker the
address of the properties you have interest in. They will generate a five page
valuation report on the property for you.




2024 HOUSING MARKET UPDATES



INDEPENDENT

Our panel is made up of 30 banks and lenders. The institution that is most
suitable for you when you are a Constable is unlikely to be the same one we
would recommend for a Sergeant year one.  Rather than try to fit square pegs
into round holes, we can move you seamlessly between institutions as your needs
change.



FAMILY OWNED

You have direct access to us. We are a growing family owned business. We are
large enough to have a solid reputation and working relationship with the banks
and lenders we use. We are small enough to know your name when you call, and
remember you and your needs.



IN YOUR SHOES

When making a recommendation we place ourselves in your shoes. We ask ourselves
what is the best first step, how we can improve on what you already have and
what can be done to maximize your situation.


OUR PROMISE TO POLICE FAMILIES




LISTEN TO YOU

We will listen to what you tell us and make a recommendation on that basis.

CUSTOMER FIRST

Your needs as a customer take priority over all other stakeholders in the
transaction.

DO WHAT WE SAY

We will tell you what can and cannot be done. We will do what we say we are
going to do.

AVAILABLE TO YOU

You will have access to your broker and business manager during business hours
and reasonable access outside business hours by appointment.


WORKING WITH US

WHO WILL CONTACT ME?

When you first contact us you will be given a list of each team member and their
contact details. You will only ever be contacted by a person on this list.

HOW WILL I BE CONTACTED?

You will be contacted via your nominated phone and email. We will often send you
an sms to set and confirm appointments. Should you not be able to make it to the
office we can meet using gchat, facetime or goto meeting.

WHAT INFORMATION DO YOU NEED?

We will provided you with a detailed checklist of required supporting documents
and ask you to complete a short needs questionnaire.

CAN WE WORK TOGETHER OVER THE PHONE?

As long as your identity can be verified to lender and statutory standards,
distance from our physical office will not prevent you from working with us.

WHAT IS NEGOTIATED PRICING?

Negotiated pricing is when a lender offers you an interest rate discount based
on who you are, the size of your loan and the value of the property you are
offering as security.

HOW LONG DOES APPROVAL TAKE?

All banks work to an SLA or service level agreement. This determines how long it
will take to process an application given a submission of “perfect” quality. Big
4 banks fluctuate between 1 to 5 days. Each institution is different.

DO YOU OFFER A FREE VEDA CREDIT CHECK?

Using Equifax we will conduct a check at no upfront cost to you. This will help
us identify together any issues that will effect who you can apply to and the
potential success with a particular lender.


OUR PROCESS

HOW LONG DOES THE INITIAL PHONE CONSULTATION TAKE?

We will schedule 15 minutes for your first call. Once we find out what you need
we will allocate time accordingly.

WHAT IS A NEED ANALYSIS?

Our recommendation is based on your needs as a customer. We ask you questions to
find out how to help you.

WHAT IS THE STANDARD QUESTIONNAIRE?

The standard question take 6-8 minutes to complete. It is 100% confidential.
Your personal information is not provided to any third party until it is time to
make a formal application for finance with a lender or bank.


FAST TRACK TO YES

WHY IS DOCUMENT QUALITY SO IMPORTANT?

Presenting a home loan application to a financial institution is in some way
similar to preparing a brief of evidence for court. The need for quality
documents can not be overstated.

HOW TO HANDLE A REQUEST FOR FURTHER INFORMATION?

All information should be provided to the lender in the first instance. In
around 5% of cases the lender asks us a question about you that we had not
anticipated. Please supply this information to us as soon as possible.


WHAT IS THE STATE OF THE HOME LOAN MARKET


HOME LOAN PROMOTIONS DO NOT ALWAYS GET PUBLISHED TO THE WIDER MEDIA. OFTEN BANKS
AND LENDERS DISTRIBUTE INFORMATION ABOUT THEIR PROMOTIONS EXCLUSIVELY TO THEIR
BROKER NETWORK.




 POLICE HOME LOANS


WE ARE SPECIALIST HOME LOAN ADVISORS FOR POLICE OFFICERS IN NSW


CALL 0420763784 TODAY

WHY TAL IS NOT YOUR PAL – WHEN IT COMES TO HOME LOANS FOR POLICE OFFICERS

Please read before you exit It is real money, but in terms of using it for a
home loan, income protection payments from TAL are…

06 May 2020
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By Don Nicolussi
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0 Comments

»

100% OVERTIME FOR POLICE. CAN POLICE OFFICERS REALLY USE 100% OF OVERTIME?

At the drop of a hat and on the fly I can explain any and every aspect of police
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11 Mar 2020
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By Don Nicolussi
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»



HOW NOVATED LEASES AFFECT POLICE OFFICERS ABILITY TO GET A HOME LOAN

Love them or hate them there is no doubt that the novated lease is a popular
"product" when it comes to police officers.  In its…

12 Jul 2017
/
By Don Nicolussi
/
0 Comments

»


OUR TRUSTED PARTNERS


WE ARE HONOURED TO WORK WITH THESE TRUSTED LENDING PARTNERS





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Police Home Loans is a site owned by ABN 80389720258 T/A Home Loan Warehouse
Credit Representative 402640 of Australian Credit License Holder 390261
Principal Broker Don Nicolussi Ex Member Class 263 Business Manager Liz Donohoe
Ex Member Class 267

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