mortgage broking In Westmeadows

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0468 841 850

Loan Point Solutions

Company Story

Loan Point Solutions began in Westmeadows, in the middle of a corner of Melbourne where a great many households do not earn a simple salary. Around here, income arrives as shift rosters, night and weekend penalty rates, overtime from Melbourne Airport and the freight yards at Tullamarine, or as an ABN with one year of returns behind it. Adil Ghafoor kept meeting people who had been told by a bank they could borrow far less than they actually could, purely because that particular lender's credit policy discounted the way they were paid, and nobody had explained that a different lender would reach a different answer from the same payslips. That gap is what the practice was built to close. It is also why Loan Point Solutions covers home, commercial, asset and self-managed super fund lending rather than home loans alone, because in this part of Melbourne those needs rarely stay in separate boxes for long.

Loan Point Solutions

Owner/Founder Profile

Adil Ghafoor runs Loan Point Solutions from Gwilt Street in Westmeadows, and he is the person you deal with from the first conversation through to settlement and beyond. He holds Credit Representative Number 580515 and operates as a licensed credit representative under an Australian Credit Licence, which places him under the Best Interests Duty, a legal obligation to recommend lending that serves you rather than lending that suits a lender. In practice, his work concentrates on the applications other brokers find awkward: variable and shift-based income, self-employed borrowers with a short trading history, business owners who need their company and their home structured in the right order, and trustees borrowing inside a self-managed super fund. He is equally direct about the limits of his authorisation. Where a question is financial or tax advice rather than credit, he will say so and point you to your accountant or adviser instead of guessing.

Loan Point Solutions

Team Section

Loan Point Solutions is deliberately a small operation, and that is the point rather than a limitation. When you call 0468 841 850 you speak to Adil, not to a call queue or a rotating case manager, and the person who assessed your borrowing capacity at the start is the same person chasing your lender at the end. The most common complaint made about mortgage brokers is silence once the paperwork has been submitted, and that complaint almost always traces back to a file being handed between people who do not know its history. Here, nothing gets handed anywhere. Where specialist input is genuinely needed, Adil works alongside your own accountant, solicitor or financial adviser rather than substituting for them, which keeps the advice in the hands of the people licensed to give it and keeps the credit work with him.

Loan Point Solutions

Credentials & Certifications

Loan Point Solutions is a licensed credit representative business, holding Credit Representative Number 580515 and authorised under an Australian Credit Licence, and it trades under AG CAPITAL GROUP PTY LTD, ABN 72 699 469 228. Mortgage broking is regulated credit activity under the National Consumer Credit Protection Act, which means the practice operates under the Best Interests Duty, must hold membership of an external dispute resolution scheme, and is bound by the advertising standards ASIC sets out in Regulatory Guide 234. Those are not marketing badges, they are legal obligations, and they are the reason this site makes no promises about approval outcomes and no claims about market-beating rates. Loan Point Solutions works across a panel of banks, second-tier lenders and non-bank lenders, and the specific lenders considered for your application, along with how they were shortlisted, will be set out for you in writing.

Loan Point Solutions

Why Choose Us

The two things clients raise most often are not about rates. The first is being told where the application is at each milestone rather than having to ring and chase, which matters enormously while a Victorian finance clause is running down. The second is what happens after settlement, because a loan priced sharply on the day can quietly drift as lenders reserve their keenest pricing for new customers, and most borrowers never learn they can simply ask for a review. Every year, Adil goes back to your lender and formally requests one on your behalf. Beyond that, Loan Point Solutions is local: based in Westmeadows, working across Broadmeadows, Coburg, Craigieburn, Epping, Essendon, Moonee Ponds, Pascoe Vale and Sunbury, meeting in the evening when your roster demands it. And you will be told when the honest answer is to wait, save for another six months, or stay with the lender you already have.