“Early thirties couple with 2 kids.
Both work Full-time.
Have an existing mortgage.
The younger the clients the more years to work with them.
Not too young where they have not steadied down ”
All prospects are ideal until an assessment is concluded and a strategy is presented it is at this time we can assess the capacity of the prospect. I say this based on the fact that all things are possible on the basis one is willing to do what is required to achieve success. In having said that it is also necessary to take into context the phrase “all things” and the word “required” are inclusive only of all things permitted legally by law and required legally by law.
the ideal prospect is one that is organised and driven to achieve their goals/plans. where they live, how much they earn etc doesn’t matter | the ideal prospect is one that is organised and driven to achieve their goals/plans. where they live, how much they earn etc doesn’t matter
Educated professionals who are time-poor, but analytically-oriented. They want someone who can run the numbers for them, compare, and provide data behind the recommendations. Scientists, accountants, engineers, knowledge-workers. Refinancers, up-sizers, late-buyers, starter-investors, marriage break-ups. I seem to relate better to Gen X’s and some Gen Y’s (who are familiar with e-mail and technology). I seem to also have a good track-record assisting single females who need help through the process and want a bit of ‘hand-holding’.
“A working couple in their 40’s, with adult children no longer living at home. Strong equity in their owner occupied home and a desire to invest in property. Both Working Full Time, either Self Employed or PAYG. Owned their home +5 years and haven’t done a Home Loan Health Check in +3yrs.
OR A young couple First Home Buyers, no kids, both working Full Time, with some money saved as a deposit (Say +$15k).”
I do this to educate people. My best prospects are thouse that want to learn not just be “serviced”. | I do this to educate people. My best prospects are thouse that want to learn not just be “serviced”.
Its when they contact me thats important. If they want to buy a house tomorrow and they don’t meet the criteria with any lender it wont happen. If they contact me 6 months before we can talk about what they need to do to qualify for a loan before they go shopping.
“Agi based multi generational businesses.
My main focus is on Estate and Succession Planning and the Financial Planning and Mortgage Broking services flow from the client’s need”
They would live within the Newcastle area, either a single person on 80K plus (if no dependants) employed full time in current industry for at least 2 years. For a couple both working full time or one full time and one part time with income of 120K (no dependants) or higher with dependants.
Young & professional
Work as an executive for large company. Usually have $300k+ per annum income. Usually have good equity and more than a couple loans. Live within 10KM of the CBD. Have friends in a similar position. 2-3 kids. Aged around 40 but still have a decent loan amount on Owner Occupied property. Have been with their employer for 5+ years.
First home buyers with less deposit
No matter where they live, as long as they are eligible for lending policy. As broker, we are accredited with different lenders, which means we have different solutions for my clients. Full time employee, self employed, overseas borrower, or retiree people, no matter what scenarios or background they are, I love to discuss with them in details to list out best lender solutions for them.
Sydney based – Dual income combined over $100K 2 children. Own a home or property for 5 or more years | Sydney based – Dual income combined over $100K 2 children. Own a home or property for 5 or more years
My ideal prospects a high net worth individuals who require specialised financial and lending products and are used to a high level of service. While it is difficult to find a suitable time during work hours to speak with such clients I tend to demonstrate my capacity by being available 24/7 To assist with the finance needs.
I’m happy to deal with both PAYG and Self employed clients – I’m 30 years old so my ideal clients is 35-45 years old, with a family… These clients are likely to perform a number of transactions over the course of my working life… Also, they provide sound opportunity for referral partners to meet other financial needs
Inner city (Melb/Syd/Bris), >$100k, Self Employed (couple may be 1 PAYG, 1 self employed), utilise company and trust structures, 1 or more directorships, own an existing property and/or investments, 0-2 kids, like animals
Young Couple in their 30’s – good stable income and employment with annual household income $100K +. Looking to upsize their home for a growing family. Purchasing in Metropolitan Adelaide.
My ideal clients are a couplewho live inner city or melbourne suburbs earning jointly $130k pa. Payg or self employed doesn’t matter preferably no kids and have already invested in property.
Ideally investors and self employed. Those borrowers who require some genuine assistance
Early to mid 30s, inner suburbs, finally become stable in their career, earning close to or above $100k wanting to settle down. May be engaged or just married, no kids, deciding to either buy first home or invest while still renting.
Ideal clients would be in a salary paid position. Debt to income ratio below 15%. Single applicant, $75k+ income.
Generally speaking they reside in metropolitan suburbs at least one is employed full time average kids of 2 with a mortgage looking to either utilise equity to build investment portfolio in lieu of superannuation
Higher Income earners looking to buy multiple investment properties, and
First Home buyers with genuine savings and good employment history
Usually mum & dad borrowers, with annual combined gross income of 80k to 150K, with 1 or 2 kids at most, most from immigrant background, Employed in warehousing & distribution, retail, IT, Finance & accounting mainly, very education oriented want to establish in the areas with good academic record of the schools
My ideal prospect would be a couple, both on long term PAYG employment, no kids and earning a combined income of around $180K p.a. In Perth that would be more than enough to buy a median priced property.
Live in metro Adelaide, earning $100K singly or combined for a couple, full time employed in stable employment, 2 kids or less, good deposit or equity in existing property. Realistic about how much they can borrow. Disciplined in their budgets. Good credit history.
client that I like to deal with.. is the one that has been to other banks or brokers before.. and can’t get the reason for some reasons… because of defaults, low docs, postcode restriction… as I find they usually appreciate my work and easier to deal with.
Live in Eastern Suburbs of Sydney or work in the CBD. Young professional earning $70k plus, may be light on equity and in the asset accumulation phase
Most of my prospects are professions who are required to hold national registrations in order to work. Industry is highly regulated and high earning capicitity in later years. Therefore the challange is to find a credit department that understands it’s about future earnings after coming from years of training and public sector work
People with an understanding of home buying and realizing that there are financial conditions that need to be met in order to achieve certain goals.
Married couple in early 30s, both stable PAYG employment with no kids, good savings, first or second home buyers, live within 75 km of my place, potential for future investment properties.
Living in the suburbs or residential rural, neither matters, combined income of a minimum of $120,000, full time/permanent pert time employment, a couple of children
Early 30’s , have a career path, income can be defined, have stable living and working history, may have started business need cash, may need car finance, looking to buy first Investment or Home. 40’scosolidate debt, want to start building wealth, 50’s want to start transitioning to retirement need to consolidate and look at overall Super and cash flow strategy
We don’t really discriminate. Our 2 most common home loans are either investments for 20 – 30 year olds at around 300k, and owner occupiers for 30-40 year olds at around $1.5 – 2mil. We do really well with complex loans and self employed.
Outer suburbs of Brisbane, looking for detached home, earning combined income of $100k + a year, full time, with or without children
Any client who is ready to get finance for purchase of new home, next home, investment, vehicle finance, asset finance etc
$100k+ inner Nth Melb want to buy property & start investment portfolio.
Married professional couple with kids, both working. 1 is self employed the other in a high paying middle management job.
My ideal client is the 30 – 40 something couple who are looking to purchase a home from $1Mil – $2Mil. Normally, they will have household income of $200K plus and young kids or about to have kids.
PAYG employee with stable employment history, income in excess of $75k pa, good saving history or good loan conduct. Clean credit with minimal credit enquiries over the last year.
they live in Brisbane, earn $100k combined , full time permanent employment , preferably no kids (effects servicing) or if they have kids minimal consumer debt
“Married with PAYG jobs earning over $60,000 each.
Looking to buy a home and have a deposit saved of at least 10% of property value. or Refinance of existing home loan at 80% LVR”
30 to 40. Married with kids. Employed or self employed earning $100k plus combined. Metro Sydney.
Full Time Employed First Home Buyers with low consumer debt who have been able to save at least 7% of a property price for $500,000 or less.
Anyone with a enough income to cover their commitments and a good savings 5-20%
Anyone with a enough income to cover their commitments and a good savings 5-20%
Large towns without LMI restrictions, $80k plus,permanent full time, 1-2 kids, minimal cc debt, nil salary sacrifice on car loans, nil car or personal loans.
metro melbourne, 140ky household, FT stable employmnet, 70k saved, no kids
People of any age that have the capacity to repay and have collateral of 20%
Self employed SME with a home loan and business loan unhappy with their existing Bank wor looking to expand and their own Bank is unable to assist.
Couple, no kids. Full Time PAYG. Aged between 40-50. Have 50% or more in equity on their Principal Home. Joint Income of $120k+
Couple with full time job and 1 child
2nd home buyers, teenagers 1 still at home, both employed high income and they live in suburbia Qld.
First Home Buyer/s. Full time employed with 5% gen savings evident. LMI payable (preferred so as to stop client’s refinancing within the first two years). These clients are easier to convert to life long prospects and become investors down the track.
They live within 20kms of the Sydfney CBD, and have a passion for proeprty…PAYG is nice too!
In their 40’s, married, medical specialist (e.g. Surgeon) so self employed, kids at private schools, investor, time poor, realise they don’t know anything about finance.
LIVING IN AUSTRALIA, BETTER SA, 100k FOR FAMILY INCOME, FULL TIME OR PART TIME, 1 KID OR NO KID.
Been employed for more than 6 months, residency more than 6 months. Income above $80,000 and no much consumer credit
Couple settled in owner occupied home looking to upgrade or invest
Double income family ($120,000+), 2 kids, 1 – 5 properties.
Melbourne metro, 100K plus, Employed and Self Employed, Kids
husband and wife , upgrading home. 2 incomes with reasonable equity and NOT to much other debt.
SME businesses with lending requirements of $1 to $3m who are clients of the accounting practice I work with
35-54 years of age. Earn more than $120,000 (total household income) employed PAYG.
lengthy employment, 10% + deposit, no defaults, limited liabilities, good asset base, clear credit history
“age 42 approx.
$200K + income
Spouse income $80K+
$4 million in property
$3 million in debt
$300K in super”
family with kids, earning 100k plus, fulltime jobs
Live around Gold Coast. Employed. Income between 50-100k.
Mix – Young professionals, young families with 1 or 2 kids, salaries combined $150Kpa+, any status
Dee why, 90K per year for couple, Part Time, 1 or 2 kids
Sydney. Kids. Professionals. $200k plus pa .
Local self employed > $100k
They as whales