Mortgage Broker Balgownie, Fairy Meadow & Wollongong

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Mortgage broker Balgownie, Fairy Meadow, and Wollongong

Tim Manuel, your mortgage broker in the Wollongong area, knows that your home purchase may be the most significant financial decision you make in your life. As such, he is dedicated to using his considerable knowledge and skills to make your financing journey as smooth and seamless as possible. With experience in teaching Mathematics as well as coaching sport, Tim is no stranger to explaining concepts and answering questions - particularly when it comes to crunching the numbers! He can break down even the most complex financial concepts, helping you gain understanding and confidence as you move through your property journey. 

With four active kids and two miniature poodles at home, there’s never a dull moment for Tim! He loves getting outdoors, whether it’s fishing, surfing, or camping, and most weekends you can find him at the North Wollongong Parkrun. An Illawarra local for nearly 30 years, Tim would love to help you on your purchasing journey in this beautiful area. 

Construction loans in the Wollongong area

Building your home can be an exciting opportunity to customise it to your needs and tastes, which may be especially appealing when you can’t find your dream home on the market. When you decide to build a home, or substantially renovate your current home, you’ll need an amazing construction loan to set you off on the right track. Unlike a standard home loan, you will also need to provide approved council plans and other documentation when you apply for a construction loan. But never fear - Tim can help you decipher exactly what you need, and will even complete and submit your application. 

Construction loans also differ from standard loans in their structure. Your loan amount will be progressively ‘drawn down’ to fund each stage of the build - these are generally base, framing, lock-up, fixing and completion. The benefit to this is that you will only pay interest on the money that has been used, instead of the full amount immediately, keeping your initial repayments low. When you’re ready to think about building your home, Tim will guide you through the entire process to ensure you get the right loan for your circumstances. 

Talk to Tim Manuel today about your home loan plans