The reality is that today most first home buyers are not purchasing a home that will be their home forever. In most cases your first home is just a stepping stone into the property market. If purchased correctly it could be the foundation to your future wealth.
It makes sense then, to find the right property and set up the right finance structure so you can take your first step towards achieving your long-term goals confidently and with all the flexibility that you need.
However next time around you want to be more savvy concerning where and how you buy your next home. As well as assistance in financing your next home purchase, you would also like guidance on how and where you should buy so you can make your home - your biggest asset - really work for you.
There are so many confusing messages when starting out. Should you look at positive cashflow or capital growth or can you have both? Should you buy regionally or around the corner so you can keep an eye on the property? These questions – and many more – is what every investor grapples with when they start buying. At Investors Choice Mortgages we offer you a process that can assist you in your considerations.
Let’s face it – if you have more than one investment property this puts you in a rare group of just 10% of all Australians.
You may have struggled with the capital growth versus passive income argument and considered commercial property as the next step. So now what?
Whether you are refinancing for a better product or interest rate, to consolidate debt or even to access equity to make another purchase or complete a renovation - whatever the reason - at Investors Choice Mortgages we will look at your current lender and look at if refinancing to another lender is even necessary.
Investors Choice Mortgages is the only mortgage broker which integrates the Financial Freedom Framework for savvy property buyers.
This is why Investors Choice Mortgages is more than mortgages.
Not only do we help you do all the lending, but we also walk you through the entire journey of purchasing a property and beyond.
This gives you the confidence that your purchase is part of your overall plan to achieve your property success.
We work with you every step of the way, supporting you with your property purchase.
Jane Slack-Smith Director
P.S. Do you want to learn more about the Financial Freedom Framework? Watch this video.
Kids Helpline is Australia’s only free, private and confidential 24/7 phone and online counselling service for young people aged 5 to 25.
Since 1991, Australia’s kids and young people have been turning to our professional, specialised counsellors, no matter who they are, where they live or what they want to talk about.
Over this time, we have responded to over 8 million contacts. For some young people, connecting with Kids Helpline has been a life-saving experience, while for others it’s about practical help and emotional support at the critical moment they need someone to listen.
Jane has recently helped us navigate financing a new home purchase and construction of a dual occupancy. We presented her with a complex scenario that would be beyond the limits of many brokers, and she rose to the challenge making an invaluable contribution to our project. Without Jane’s knowledge, experience and flexibility I doubt we would have succeeded with these applications. She showed commitment to us as clients, and strong attention to detail through the process. We wholeheartedly recommend her services to anyone looking for residential or investor property finance. We will certainly be using her again for any future projects.
Will, Sydney, NSW
I was a total novice when it comes to buying property but even though we never actually met face to face, Jane & her team always took time to explain the confusing details about the different kinds of loans, which I really appreciated.”
Jill, Sydney, NSW
My mother has dealt with Jane for a while now and when I was going through an emotional time and needed to re-finance she recommended Jane. Due to my situation, finance was difficult to obtain, but Jane and her team didn’t give up. I was afraid I would have to sell my house but Jane kept hunting until she was able to find the right deal for me. I thank Investors Choice for making an emotionally traumatic time for me so much easier. They seemed to really care about what I was going through and it helped a lot! Thanks ladies.
Justin, Sydney, NSW
Jane, thank you so much for helping us decide on a lender and a mortgage product. We thought we knew what we wanted but I’m glad you challenged us to think outside the square. Thanks also for being so approachable and answering our questions. As first home buyers, we really appreciated your explanations of the whole process!
Theresa, Sydney, NSW
Jane was straight forward with her experience as an owner of Defence Housing Australia property. The information and help I received from Jane, without fear or favour, made me decide to opt for her financial-brokerage services. Her patience and professionalism is second to none. She is independent, impartial, frank and unfettered in her approach. Without reservations, I commend Jane and Investors Choice Mortgages as one of the best of its kind, particularly providing that genuine ‘care to the customer’.
Tony, Roxby, SA
Professional, ethical, knowledgeable. A++. I’ve never seen a broker give such great service. Very good, highly recommended to friends. I like Jane for her high ethics and excellent knowledge of what an investor needs.
Charlie, Southbank, VIC
An excellent service all round – not just the assistance in choosing the right loan, but also in guiding me through the process to settlement. A great experience that took the stress out of loan selection and application. No question was too simple or silly – just very friendly and helpful.
Jane, Leichhardt, NSW
Dealing with Investors Choice made the process simple and stress free. Knowing that you are dealing with people who have invested themselves and who know the issues that may arise made me know I was in good hands. The liaising with my buyers agent, solicitor, and accountant meant I could leave everything to Investors Choice knowing that they were coordinating my team for me. The Residex reports allowed me to ‘see’ a property without my blinkers on and allowed me to quickly assess if it was right for my plans. I have used Investor Choice time and time again and their professionalism is amazing.
Maureen, London, UK
In a nutshell Jane is definitely the way to go if you want a friendly, no fuss service with that air of confidence that the high street lender can’t come close to. I am now coming up to my fifth investment property and yes I am going to definitely use Jane and her team again.
Nicholas, Geelong, VIC
Throughout the whole investing process we found Jane to be very pleasant, professional, diligent and most of all a very knowledgeable broker. All our options were analysed thoroughly in a professional yet simple to understand manner. We were kept informed at every step throughout the whole process which we think is really important. We intend to use your services again.
Martina & Michael, Cameray, NSW
Our business was transacted over the internet and Jane Slack-Smith’s service was excellent. Turn around times were very quick and had the advantage of not being restricted to within the working day which is often a downside for many people. Being able to do it all by email and fax meant no time wasted in setting up and attending appointments. The deal Jane sourced for us is excellent. When we did run into a few issues with the bank at settlement Jane was available to help sort things out.
Rob, Rollands Plains, NSW
ICM provides above and beyond excellence in quality in knowledge, literature, guidance, efficiency and that personal touch. I felt safe as I trusted we were in good hands. ICM took the stress out of this busy time of setting up a new portfolio. We had many questions over this process of buying an investment property and Jane was always there to answer these questions. I feel they have my best interest at heart and will do their best for me. Jane is a genuine person with a passion for what she does, that’s why she is so good at it!
Stacey, Kinross, WA
My husband and I are so appreciative of the continuous and seamless service that we received from Jane and her team. The turnaround time for all of our queries was instantaneous, and being first time property investors this was very comforting. ALL information provided was with OUR best interests in mind, which in our situation meant less in commissions to Jane – this is what really stands out in my mind as a point of difference between Jane and the rest. No one wants to be cheated! I sincerely have no hesitation in recommending Jane’s service!
Deborah, Hurlstone, NSW
Thank you Jane for everything you did! It was a huge load off my mind being able to entrust somebody with doing all this work for me who I knew would do the best job possible and achieve the best results! I actually learnt a great deal through your experience, thankyou!
Amanda, Pyrmont NSW
Jane managed the whole process with professional ease, and took pressure out of the process.
Carmel, Essendon, VIC
This was our second time trying out a broker – the first was a disaster. But ICM has now converted us to using a broker as it is much more efficient having experienced brokers who personalize your situation, rather than being a number at the bank. We will definitely use ICM again. Jane was great in helping us achieve the loan structure we wanted.
Irene & Christopher, Preston , VIC
We didn’t think we could build our property portfolio whist living overseas. However the on-line education and resources allowed us to stay up to date with the Australia market and the tools showed us how 90% of our research was possible from anywhere. The step by step education gave us the knowledge and resources to find the properties to grow our portfolio and the loans and finance recommendations were taken care of. Just one less thing to worry about, even when trying to buy from overseas with a 30-day contract. Even though we were located overseas for years we knew that Investors Choice was able to assist us quickly and in some cases had documents couriered overnight so we could settle on-time. If you want the right team to help you then you found them.
J Dudley, Vancouver, Canada
I have heard a lot of stories about brokers working for themselves in trying to receive higher commissions rather than obtaining the best rate for the client. Investors Choice Mortgages were committed to delivering the right deal for me and they negotiated a better interest rate than publicly available. As a first time property investor, to have a group of experienced investors facilitating the process and being able to answer all my questions took all the pressure out of my experience. I would recommend Investors Choice Mortgages to anyone looking for a highly professional service. Over the years Investors Choice Mortgages has been there every step of the way whilst I grew my property portfolio.
Tanya, Houston, USA
We spent several months looking for a property. Jane was with us every step of the way. Service is excellent. Friendly, knowledgeable and responsive.
Breed & Kerry, Hawthorn, VIC
Jane helped enormously with our complex financial situation, her knowledge of financing helped us to re-evaluate our position and now we have a fabulous home to live in. She worked hard to get pre-approval of funds so we could sign a 30-day contract with confidence. Her tools and resources allowed us to buy our first and subsequent investment properties with confidence, in good growth areas with great rental returns which is getting us to our goals sooner.
Darren, Morayfield, Qld
Jane and team at ICM have helped me grow my portfolio rapidly in the last few years. They are not just about chasing interest rates on behalf of their clients. Jane will sit down with you and tailor a specific financing plan that will help you reach your investment goals. I found her proficiency refreshing and her advice supportive and encouraging. I would recommend her as your choice of broker as her professionalism and know-how are sure to provide you with the proven results you need.
I have been dealing with Jane for approximately 4 years now and I came to her because my previous broker didn’t seem to give me the advice/service that I needed. After one discussion about my needs, I was convinced that Jane was the person I wanted to give me direction on my investment and personal loans. I have become even more convinced of this since and have referred my most precious investments in the world (my two children) to her for the same kind of assistance. I have not known a more dedicated and knowledgeable person in real estate loans/investments since I began over 25 years ago.
Rita, Sydney, NSW
I have been a property investor for 8 years now and have built a great team around me, I can rely on a top accountant, surveyor, conveyancer etc…The weak link in my team has always been the mortgage broker. I worked with many brokers and had very poor results until I met Jane and Investors Choice Mortgages which I know I can trust and rely upon when it comes to financing my purchases
Marco S. – NSW
During the cooler months of the year it’s easy to get into ‘hibernation habits’. Comfort food is much more appealing when it’s awful...read more >