The Loan Market's Paul Hixon
I have been involved with the property market for around 10 years now, initially as a property manager then real estate agency manager in London (UK), before moving in to property finance including home loans and investment loans.
During both my real estate and finance careers in the UK I specialised in assisting property investors, particularly surrounding the provision so sound finance structures for investment, and still work closely with property investors in Australia along with first home buyers, self-employed borrowers and new arrivals to Australia.
My aim is to help those who want to build a property portfolio gain the best structured for the future - the right structure for a home loan or investment loan can save you thousands in the long run.
First Home Buyers
I have a lot of experience with first home buyers and particularly enjoy helping people to get through the process of finding and applying for a home loan for the first time. Buying your first home can be a worrying and stressful time, but having been involved in the real estate process from all sides I inject a lot of knowledge and a calming atmosphere into the process so you can be confident of your home loan choice.
Just some of the information about your home loan and the home loan application process includes working out your deposit, the types of home loans available and which ones may suit you, choosing between a fixed or variable home loan rate, and how the property settlement process will proceed. I don’t simply sign you up and then leave you to it, I help you from start to finish.
As a first home it’s important to understand that you could potentially save thousands of dollars if you secure the right home loan and structure for your situation and future goals. Savings can be made not only with the right home loan, but also on fees, mortgage insurance premiums and set up costs.
Property Investors
My experience with investors combines knowledge of the property and finance markets both here and in the UK. I love property and I love property investment. Property is something you can get your hands on, make good decisions on, renovate or set and forget. Anything is possible from Defence Housing with fifteen year tenants to building a block of units to sell.
Setting up the right structure and flexibility for an investment home loan that encompasses your investment goals and strategies is an essential part of managing your property investment and making the most you possibly can on your investment returns, so I work closely with you are related professionals to ensure your investment finance is suitable.
Self-employed borrowers and complex trust structures
I have a strong financial background and have no problems dissecting Profit and Loss statements to help find the right loan to maximise your borrowing capacity. I regularly deal with self-employed home loan applicants and have an excellent understanding of how the banks perceive income. Painting the right picture to the bank will assist your application throughout the home loan assessment process. I am also adept at understanding complex trust structures and breaking them down to obtain the loan required.
New Arrivals in Australia
Brits in Brisbane! I work closely with clients from Europe to help with the move Down Under. It is a daunting experience moving to the other side of the world, but having been through it myself I can provide helpful hints to smooth the way. Home loans in Australia are different from European loans and the purchase process can be completely different. With experience on both sides of the world and contacts still in the UK mortgage market, I can help with the whole purchasing process. A good tip to people moving from overseas is not to send your money through the banks. A foreign exchange company could save you thousands.
Customers Brisbane Inner City suburbs
I have offices in both New Farm and Paddington which makes it really easy for me to access city-based clients during the day or straight after work. The main areas I work in include: New Farm, Newstead, Fortitude Valley, Bowen Hills, Paddington, Norman Park, Morningside, Bulimba and Indooroopilly.
Qualifications
- BSc in Business Studies and International Finance – Sheffield University
- Studied in the UK for two years and then one year in France at Ecole Superior de Commerce de Rennes
- CEMAP – UK Certificate in Mortgage Advice and Practice
- CEFA – UK Certificate in Financial Advice
- UK qualifications that not only allow advice on mortgages but also full financial advice on pensions and investments
- Real Estate Qualifications – UK
For more information on home finance or to talk to Paul Hixon
Call Paul Hixon, or call us at any time on 13LOAN.
