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Home / Investment Loans - Refinance & Debt Consolidation - Bridging Finance - Personal Loans - Car / Boat Loans - Commercial Loans - Plant & Equipment Finance - Debtor Finance 


Meet the AMF team...

Gail Baker All Mortgage Finance North Shore

Gail Baker

B.A. Dip Ed; Dip Fin. Services/ Mortgage Broking

Gail Baker is the Principal and an Accredited Mortgage Consultant and a full member  with the MFAA. She has over 8 years experience in Mortgage Broking, over 14 years experience in business and comes originally from a teaching background.
At All Mortgage Finance we love helping people realise their dream of moving into their first or second home or of building onto their investment portfolio.

Cher Baker All Mortgage Finance Northern Beaches

Cher Donaldson

Certificate IV Financial Services/MB
Certificate 111 in Bus. Admin.
Certificate 11 Make up Artistry

Cher has now come on board as a fully qualified Mortgage Broker who is accredited with the MFAA and all the main lenders. She has 18 months experience in Mortgage Lending and has over 8 years experience in sales. Cher loves helping people achieve their goals.



5 Ways to Improve your Borrowing Capacity

Consolidate unsecured debts (like credit card or personal loan debt) into your mortgage (as long as you have sufficient equity). By doing this, you will improve your monthly outgoings quite dramatically and therefore improve your borrowing capacity.
Reduce your unwanted credit card limits.  Most people have limits way beyond what they use and reducing these and cancelling unwanted credit cards can really make a difference to borrowing capacity.
Use the right lender and loan.  This is where a mortgage broker is very handy.  All lenders have different lending criteria and serviceability calculators and a mortgage broker has knowledge of which lender and even which loan can improve your borrowing capacity.The difference between lenders and loans can make or break a deal in many instances.
Shop around to get better rates on your existing loans. Your mortgage broker knows what is possible with most lenders and can apply for special pricing for you in a lot of instances.  If your monthly repayments on existing debt are lower, your borrowing capacity will be higher with a lot of lenders.
Keep your financials up to date. By getting your tax returns done on time (if you are self-employed), then you will have a better opportunity to borrow when you are ready to buy. If you are PAYG, then have your latest Payment Summary as well as the latest 2 payslips ready as this more accurately shows your annual income.

If you would like more information or have any questions about all this, please don't hesitate to contact me via the box below.                                                                                                                       


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