mortgage broking In Westmeadows
mortgage broking services in Westmeadows You Can Rely On
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Our Services
mortgage broking
Owner-occupier home loans structured around your actual income, including shift allowances, overtime and self-employed earnings. We check lender policy before applying, so the figure you take to an auction is a figure a lender will support.
First home buyer lending sorted in the right order: deposit, scheme eligibility, then lender. We explain what you actually qualify for and what it genuinely costs, so you bid at auction knowing your finance will hold.
Investment lending structured so it does not block your next purchase. We compare how each lender treats rental income, existing debt and security, and keep your home out of the deal wherever it can sensibly be avoided.
Refinancing assessed honestly, including the option of staying exactly where you are. We ask your current lender to reprice first, at no cost, then show you every switching cost so you can see whether moving genuinely pays for itself.
Construction finance arranged around your building contract, not against it. We review the contract before submission, structure the progressive drawdowns, and manage each stage release so your builder is not left waiting on the bank.
Commercial property finance for owner-occupiers and investors across Melbourne's north, from warehouses to shopfronts. Banks, second-tier, non-bank and private funders compared on price, speed and flexibility, with our fee disclosed in writing before any work begins.
SMSF lending structured as a compliant limited recourse borrowing arrangement, placed with the lenders still active in this space. We handle the credit; your accountant and adviser handle whether the fund should borrow at all.
Vehicle, truck, plant and equipment finance for businesses right across Melbourne's north. We structure the facility, explain how a chattel mortgage differs from a lease or a rental, and get standard assets settled within days rather than weeks.
Business finance matched to the actual need, from fast unsecured facilities to property-secured funding at a fraction of the cost. We model both so you can see what speed is really costing you before you commit.
ABOUT US
Reliable mortgage broking
Loan Point Solutions is a mortgage and finance broking practice based at Westmeadows in Melbourne's north, run by Adil Ghafoor. Adil is a licensed credit representative (Credit Representative Number 580515), which means he is bound by the Best Interests Duty under Australian credit law to recommend lending that suits you rather than lending that suits a lender. The practice covers home loans, first home buyer loans, investment loans, refinancing, construction loans, commercial loans, SMSF loans, asset finance and business loans, for clients across Westmeadows, Broadmeadows, Coburg, Craigieburn, Epping, Essendon, Moonee Ponds, Pascoe Vale and Sunbury. Loan Point Solutions was built around the two complaints people make about brokers most often: being left in the dark once the paperwork goes in, and never hearing from the broker again after settlement. Adil works to a different standard. You hear from him at each milestone of the application, and he goes back to your lender every year after settlement to ask for a review. He also spends his time on the income types Melbourne's northern suburbs actually run on: airport and freight shift work with overtime and penalty rates, and self-employed trades with a short trading history. Those applications are won or lost on lender policy, not on rate. Call 0468 841 850 for a straight answer on where you stand.
The Process
Our Simple 3 Step Process
Strategy Call
Tell us your goal, income type and timeframe. We map your borrowing position honestly before you fall in love with a property.
We Structure
We match your income and deposit to the lenders whose policy actually fits, then package and submit the application properly the first time.
Through Settlement
You get updates at every milestone, not silence. We chase the lender, manage conditions, and stay with you after settlement for annual reviews.
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mortgage broking In Westmeadows
FREQUENTLY ASKED QUESTIONS
Everything you need to know about our mortgage broking In Westmeadows
Does it cost me anything to use Loan Point Solutions?
Will I end up worse off going through a broker instead of straight to my bank?
You apply for the same loan products a branch would offer you. The difference is that a bank can only present its own products, while Loan Point Solutions compares a broad panel of banks, second-tier and non-bank lenders. We are also bound by the Best Interests Duty, which a bank employee is not.
My income includes overtime and shift allowances. Can I still borrow?
Usually yes, but how much varies a lot between lenders. Some count all of your shift, overtime and penalty income, others count only a portion, which is why two lenders can reach very different figures from identical payslips. We check that policy before an application goes in, not after.
Which suburbs do you cover?
Loan Point Solutions is based at Westmeadows and works across Melbourne's north and north-west, including Broadmeadows, Coburg, Craigieburn, Epping, Essendon, Moonee Ponds, Pascoe Vale and Sunbury. If your suburb is not on that list, call 0468 841 850 anyway, because we almost certainly still cover you.
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areas we serve
mortgage broking
Westmeadows is where Loan Point Solutions is based, and it is a suburb whose lending profile is shaped almost entirely by what sits three kilometres north of it. A large share of households here draw income from Melbourne Airport and the Tullamarine freight precinct, which means rosters, night shift allowances, penalty rates and overtime rather than a flat salary, and lenders differ enormously in how much of that income they will count. The housing stock is mostly brick homes from the 1970s and 1980s on generous blocks off Mickleham Road and around Fawkner Street, now attracting both first home buyers and families rebuilding. Adil Ghafoor works from Gwilt Street and meets clients locally, including after hours for people on shift. Call 0468 841 850.
Broadmeadows sits at the affordable end of Melbourne's north, which makes it one of the busiest first home buyer markets in the city and one of the most complex to finance. Income here is frequently casual, contract, labour-hire or self-employed rather than salaried, deposits are often supported by family, and applications regularly hinge on a lender's willingness to count income the major banks discount. That combination decides far more Broadmeadows applications than the property does. Loan Point Solutions works this market from Westmeadows, a few minutes away, and knows which lenders take a workable view of shorter employment histories, single-year tax returns and gifted deposits. First Home Guarantee places and the Victorian duty exemption both apply readily at local price points. Call 0468 841 850.
Coburg is an older suburb with an older housing stock, and both facts change how lending works here. Much of the residential fabric off Sydney Road and around Coburg Lake dates from before the war or the interwar decades, which brings heritage overlays, single-fronted terraces and weatherboards on narrow blocks, and a steady flow of renovation and extension funding rather than straight purchases. The Pentridge Village conversions and the apartment stock along Sydney Road and Bell Street raise a separate issue, because a number of lenders apply minimum internal size rules and postcode-level caps to high-density security. Loan Point Solutions handles both sides of that, from equity releases for extensions through to apartment purchases that need the right lender. Call 0468 841 850.
Craigieburn carries more construction lending than almost anywhere else Loan Point Solutions works, and construction finance is a different product with different failure modes. Across the Highlands, Aston and Mount Ridley estates and up through Mickleham and Kalkallo, buyers are settling land first and building second, which means progressive drawdowns, a fixed-price contract the lender has to accept, and an on-completion valuation that occasionally lands below the land price plus build cost. Those risks are manageable when they are identified before a building contract is signed and expensive afterwards. Adil Ghafoor reviews the contract, structures the staged funding and chases each progress draw so your builder is not waiting on a bank. Call 0468 841 850.
Epping is really two lending markets sharing one name. South of Cooper Street sits established Epping, with 1980s and 1990s brick homes now generating refinances, extensions and investment purchases. North of it, the Aurora and Lyndarum estates through Epping North are still delivering new house-and-land, which is construction lending with progressive drawdowns rather than straight purchases. Threading through both is the Northern Hospital, which makes healthcare one of the largest local employers and puts a lot of nursing, allied health and medical income into applications, some of it shift-based and some of it eligible for lenders mortgage insurance waivers that most borrowers have never heard of. Loan Point Solutions works both halves. Call 0468 841 850.
Essendon runs on larger loans than the suburbs north of it, and larger loans change which mistakes matter. Buyers here are typically upgraders moving into a period home off Keilor Road or Mt Alexander Road, or investors adding a second and third property, and the structural decisions taken on those files, particularly whether the lender cross-secures your existing home against the new purchase, determine whether you can keep buying afterwards. Professional households here also frequently qualify for lenders mortgage insurance waivers that go unclaimed. Loan Point Solutions structures Essendon lending with the next purchase in mind rather than just the current one, keeping securities standalone wherever the numbers allow. Call 0468 841 850.
Craigieburn carries more construction lending than almost anywhere else Loan Point Solutions works, and construction finance is a different product with different failure modes. Across the Highlands, Aston and Mount Ridley estates and up through Mickleham and Kalkallo, buyers are settling land first and building second, which means progressive drawdowns, a fixed-price contract the lender has to accept, and an on-completion valuation that occasionally lands below the land price plus build cost. Those risks are manageable when they are identified before a building contract is signed and expensive afterwards. Adil Ghafoor reviews the contract, structures the staged funding and chases each progress draw so your builder is not waiting on a bank. Call 0468 841 850.
Epping is really two lending markets sharing one name. South of Cooper Street sits established Epping, with 1980s and 1990s brick homes now generating refinances, extensions and investment purchases. North of it, the Aurora and Lyndarum estates through Epping North are still delivering new house-and-land, which is construction lending with progressive drawdowns rather than straight purchases. Threading through both is the Northern Hospital, which makes healthcare one of the largest local employers and puts a lot of nursing, allied health and medical income into applications, some of it shift-based and some of it eligible for lenders mortgage insurance waivers that most borrowers have never heard of. Loan Point Solutions works both halves. Call 0468 841 850.
Essendon runs on larger loans than the suburbs north of it, and larger loans change which mistakes matter. Buyers here are typically upgraders moving into a period home off Keilor Road or Mt Alexander Road, or investors adding a second and third property, and the structural decisions taken on those files, particularly whether the lender cross-secures your existing home against the new purchase, determine whether you can keep buying afterwards. Professional households here also frequently qualify for lenders mortgage insurance waivers that go unclaimed. Loan Point Solutions structures Essendon lending with the next purchase in mind rather than just the current one, keeping securities standalone wherever the numbers allow. Call 0468 841 850.
Craigieburn carries more construction lending than almost anywhere else Loan Point Solutions works, and construction finance is a different product with different failure modes. Across the Highlands, Aston and Mount Ridley estates and up through Mickleham and Kalkallo, buyers are settling land first and building second, which means progressive drawdowns, a fixed-price contract the lender has to accept, and an on-completion valuation that occasionally lands below the land price plus build cost. Those risks are manageable when they are identified before a building contract is signed and expensive afterwards. Adil Ghafoor reviews the contract, structures the staged funding and chases each progress draw so your builder is not waiting on a bank. Call 0468 841 850.
Epping is really two lending markets sharing one name. South of Cooper Street sits established Epping, with 1980s and 1990s brick homes now generating refinances, extensions and investment purchases. North of it, the Aurora and Lyndarum estates through Epping North are still delivering new house-and-land, which is construction lending with progressive drawdowns rather than straight purchases. Threading through both is the Northern Hospital, which makes healthcare one of the largest local employers and puts a lot of nursing, allied health and medical income into applications, some of it shift-based and some of it eligible for lenders mortgage insurance waivers that most borrowers have never heard of. Loan Point Solutions works both halves. Call 0468 841 850.
Essendon runs on larger loans than the suburbs north of it, and larger loans change which mistakes matter. Buyers here are typically upgraders moving into a period home off Keilor Road or Mt Alexander Road, or investors adding a second and third property, and the structural decisions taken on those files, particularly whether the lender cross-secures your existing home against the new purchase, determine whether you can keep buying afterwards. Professional households here also frequently qualify for lenders mortgage insurance waivers that go unclaimed. Loan Point Solutions structures Essendon lending with the next purchase in mind rather than just the current one, keeping securities standalone wherever the numbers allow. Call 0468 841 850.
Craigieburn carries more construction lending than almost anywhere else Loan Point Solutions works, and construction finance is a different product with different failure modes. Across the Highlands, Aston and Mount Ridley estates and up through Mickleham and Kalkallo, buyers are settling land first and building second, which means progressive drawdowns, a fixed-price contract the lender has to accept, and an on-completion valuation that occasionally lands below the land price plus build cost. Those risks are manageable when they are identified before a building contract is signed and expensive afterwards. Adil Ghafoor reviews the contract, structures the staged funding and chases each progress draw so your builder is not waiting on a bank. Call 0468 841 850.
Epping is really two lending markets sharing one name. South of Cooper Street sits established Epping, with 1980s and 1990s brick homes now generating refinances, extensions and investment purchases. North of it, the Aurora and Lyndarum estates through Epping North are still delivering new house-and-land, which is construction lending with progressive drawdowns rather than straight purchases. Threading through both is the Northern Hospital, which makes healthcare one of the largest local employers and puts a lot of nursing, allied health and medical income into applications, some of it shift-based and some of it eligible for lenders mortgage insurance waivers that most borrowers have never heard of. Loan Point Solutions works both halves. Call 0468 841 850.
Essendon runs on larger loans than the suburbs north of it, and larger loans change which mistakes matter. Buyers here are typically upgraders moving into a period home off Keilor Road or Mt Alexander Road, or investors adding a second and third property, and the structural decisions taken on those files, particularly whether the lender cross-secures your existing home against the new purchase, determine whether you can keep buying afterwards. Professional households here also frequently qualify for lenders mortgage insurance waivers that go unclaimed. Loan Point Solutions structures Essendon lending with the next purchase in mind rather than just the current one, keeping securities standalone wherever the numbers allow. Call 0468 841 850.
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