“We had a difficult mortgage and finance situation, which required a special approach. Our current financiers were not flexible enough to manage our situation with the project going over budget and over time.
I was referred to Hamish by a mutual client. Hamish was able to negotiate a deal for us that solved our financing problems at suitable rates, so that we could complete our project. Hamish understood the issues and our need to alter our financing to allow the project to complete and meet the market without causing extra undue stress.
For our next project Hamish will definitely be our first port of call. Highly recommended.”

“When we found our home online we were trying our luck and testing the waters. We were dealing with another broker at the time who was, let’s just say – not enthusiastic or proactive at all. We decided to give Christine a call after being recommended by a mate. It was a Friday afternoon – she worked all through the weekend in full communication and by the start of Monday we had everything we needed and she was ready to talk to the Banks. This was all at the start of the August 2021 lockdown. Even though we were barely in a position to buy, she was so committed to making it work for us – after 2 weeks of back and forward with the bank, Christine delivered the good news and we got our pre-approval. We went from testing the waters to future homeowners and it’s all thanks to the hard work Christine put in during testing times in a lockdown.
Our house was still under construction for a year after we got our initial approval but not once did Christine leave us in the dark, she was constantly in touch asking for updates and also giving updates on the Bank with their ever-changing interest rates. She gave us the truth at all times even though it was not always what we wanted to hear. This was good for us and kept our expectations in tune.
When the time arrived for settlement, Christine acted fast – she managed to get our interest rates locked in no time and even managed to negotiate an amazing cashback which paid for our solicitor fees as well as the installation of a new heat pump. We can’t thank or recommend Christine enough, she truly is amazing.”

“I used Hamish Chandra from Personalised Mortgages as my one stop shop for all my Financial needs.
Being new to the property market with minimal knowledge, Hamish helped me tremendously with the Mortgage process – all the way from the initial stages of getting a Pre-approval to the settlement day.
A rather daunting process made very easy by Hamish. He was always available to answer my questions no matter how small or silly they were.

The decision to use him as apposed to dealing directly with my bank has been one of the best decisions I have made to date, this was reinforced when Hamish secured me one of the best Mortgage rates available in the country.
I would recommend Total Finance with both pleasure and confidence to get the best possible outcome in a world where time is literally money.”

“Adam was very knowledgeable, professional and flexible with when he could talk with me about sorting finance for my first home. He explained everything clearly and was super speedy with his responses. Very easy to deal with and a genuinely nice person… highly recommended!”

“Grant provided such a professional and exceptional service as we navigated securing a mortgage for the first time. It was during a time when banks were tightening up their lending and he helped us to secure a great home loan with a great interest rate. We found him to be extremely knowledgeable so felt well informed throughout the process and he was happy to answer the thousands of questions I had as this was all unfamiliar. We had approached another mortgage broker in the past and they do not compare. He is the best in the business.”

“Grant is an extremely effective operator. Very transparent, always prompt with comms and is a wealth of knowledge… there wasn’t one question he couldn’t answer.. which was reassuring when purchasing your first home! We felt like Grant was working for us throughout the entire process and only wanted the best outcome for us. Thanks for looking after us Grant, we will be back next time!!”

“Personalised Mortgages have worked above and beyond to secure us the best deal and manage all the hurdles associated with dealing with the bank for a house loan. Our loan was time critical and Andrew and his team worked hard to obtain the best result in a very stressful time. He has continued to pursue better deals resulting in lower rates and less constraints. I have found the team at Personalised Mortgages to be very professional and dedicated to bringing you the best solution for your home.”

“We have worked with Kenneth over a number of years now and he has always provided us with exceptional customer service and advice. We recently purchased a new build in which the settlement period happened to fall during the week we were in hospital for the birth of our first baby. Kenneth worked extremely hard and went above and beyond to get everything sorted for us during this hectic time and took care to make things as convenient for us as possible. He also left no stone unturned to get us the best rates. We would highly recommend working with Kenneth.”

“Kenneth was proficient, kind and patient. We worked through any issues that came up, and his communication was excellent and prompt. He helped us get a highly competitive mortgage rate and substantial signing bonus. He was persistent with the mortgage provider and worked to get the approvals and chased the bank as needed. Overall we found working with Kenneth to be excellent and would comfortably recommend him to friends and family.”

“In my 20+ year experience applying for new mortgage or refinancing, I have dealt with numerous bankers and mortgage advisers. Wayne Tu is definitely the best I have come across with. He is very approachable with a helpful attitude to solve the problems. He is honest about what can be achieved and why a solution is recommended. I feel it’s easy to deal with Wayne and makes the whole process pain free. Thank you Wayne and definitely recommend.”

“I want to acknowledge the help from Wayne Tu in past two years. We always feel happy and informative throughout each property purchase process. From being a naïve first home buyer to a more experienced investor, Wayne was there every step of the way to guide us through various issues. When I needed a hand, Wayne stepped in voluntarily and went extra mile for something may not necessarily to do with mortgage. From my personal experience dealing with Wayne, I feel he cares more than just a quick solution but an overall planning for my investment portfolio, highly recommend.”