Our team is made up of Bill Dale and Nabilah Kennedy.
Nabilah Kennedy has been working in Banking and Finance for over 10 years. Nabilah specialises in the medical field and has very good experience and an exceptional work ethic.
Nabilah hold a degree in Economics & Finance. She has a a passion for empowering first-time buyers and has experience to simplify the complex process of purchasing a new home. From navigating mortgages to finding the perfect home within your budget, she will be with you every step of the way.
Bill has been working in Banking and Finance for over 30. The last 20 years have been specifically aligned to assisting Medical Professionals with Home and Investment Mortgages. This is all that he does so he has an extensive amount of knowledge and experience in this field.
Bill holds a Diploma in Financial Planning and a big part of what we do is making sure the client makes a well-informed and intelligent decision in relation to obtaining the right mortgage for their needs.
Much of this is about the mistakes that we have seen many times over the last 20 years. We are strong believers in not overcommitting financially. We are strong believers in forced savings. We are strong believers in clients having a good buffer in place in case of emergencies. We are strong believers in structuring your mortgage in the smartest way from the beginning.
No matter how much money you earn, you can still get yourself into financial difficulty and you can still make silly decisions.
We would regard ourselves as conservative lenders. We want the client to tell us what they feel they can afford. We don’t want to hear the question “How much can we borrow?” We despise that question with a passion. We want the client to have thought about the future. Is starting a family on the horizon? Will household income be increasing significantly in the medium term meaning that they can stretch themselves a bit now?
We could go on forever about many things that we feel are crucial to borrowing money responsibly and lending money responsibly.
This doesn’t mean that we give everyone a hard time! We can see people that have got things under control from a mile away. It takes about 10 seconds.
We just don’t want to put clients in positions that they might regret being in over time. We think it is important to be honest, ethical, and sensible.
Whilst this has lost us business in the past we feel that our success has resulted from the fact that we try and have meaningful conversations with prospective clients and not just use a computer to work out what they can borrow. We will always give honest opinions and advice if we feel that the client is over-committing themselves financially. If this is not what the client wants to hear and it results in them looking elsewhere for assistance then we can live with that.
We started the business because we became frustrated with how the Banks operate and how much politics and corporatization are involved.