Hanabi Mortgage Solutions

David's free updating client webpage

Hi Folks,

Another new innovation to work with has come to fruition. The function of this secure web-page updating service is to provide my clients with the ability to check in with the progress of their loan 24/7.The web-page will be updated as new information from the lender is made available, thus allowing clients to remain informed throughout the entire loan process without the cost of calling the broker. I hope you will find it a useful aid in following up any future loan you take out.

This service is just another step up above what I call 'the taxi driver experience' to the 'limousine experience'. And to think it's free.

What type of service are you going to be looking for in the future when you are wanting to lend money?

Regards,

David

Interest Rate V Product OR Shape V Size

Do you want the lowest/best interest rate in the market? Of course you do; who doesn't? However, have you thought of the costs involved of acquiring this "market leading interest rate"? Have you thought about the agenda of the lending institute and the narrow suite of products they offer you with their "market leading interest rate"?

So what's the difference between interest rate and product? and how do know what to look for? Well, an interest rate can come in many forms here are some examples: standard variable, fixed, basic, introductory rate, reference rate, honeymoon, investment, interest only etc etc. When people ask me at a BBQ for example about what the best interest rate is, my answer is simple; What do you want it to be? because without knowing anything about their particular situation I'm in no position to give an accurate answer and the 'best' interest rate may not be the best product for them. I then say lets make an appointment to discuss this further.

Now, what about products, they come in many"shapes and sizes" and there is one out there amongst all the lenders that suits you and your needs. The interest rate may not be the lowest; but the fees are, which may more then make-up for the difference in rate. Also, flexibility of the product such as switching  from variable to fixed, no valuation fees, monthly fees, Internet access, and the list goes on.

So which "shape or size" fits you? Remember, its not a "one size fits all"

Lady of the House

Here's what Jane had to say about my service.

Please keep in mind that this is as Jane sent it, no alterations.

My husband Allan, and myself have every confidence in David Warren as our Mortgage Planner.  David has helped us three times now with refinancing our mortgage and we have found him so helpful in listening to us, explaining financial matters in ways that were very understandable and giving us heaps of invaluable advice.  We believe

David to be highly professional in his dealings with people and there was never a doubt about privacy and confidentiality.

In our first re-finance we had a few hiccups but we really didn't have any worries with David going out to bat for us and we soon discovered that David is extremely tenacious when dealing with lending agencies.  We have absolutely no hesitation in highly recommend David to anyone looking for help in obtaining the very best mortgage available.

 

Allan & Jane Payne

Brighton House

14 Whitehill Road

Newtown

Qld 4305 

 

Jane and Allan would love to see you at Brighton House for "High Tea" as seen on TV 'Extra', you will not be disappointed.

 

Now, if you think you could benefit from my experience and service then please contact me and we will start the ball rolling.

 

Regards,

David Warren

Do You Know Your Numbers?

Happy new year! Lets make 2009 our best year so far.

I've been making significant improvements to my mortgage consulting practise over the past few months, it's been quite an intense and eye opening experience.

When I say 'Do you know your numbers?', I'm talking about your complete numbers, your income, monthly mortgage payment, and especially your monthly living expenses.

Becoming clear on my monthly living expenses was the real eye opener. By completing a simple spreadsheet I've been able to save myself over $200 per month on expenses I no longer needed.

Because of the value I've received from this process, I'm now freely including this service within my mortgage consulting practise, so if you'd like to know your numbers, let me know and I'll guide you through this important process too.

Sincerely,

David Warren
Your Personal Mortgage Consultant - Lending By Referral