Before joining RE/MAX Financial Services, Michael Kelly had many years of experience in the finance industry.

Working with the Commonwealth Bank of Australia for over 12 years he has great knowledge and experience in all areas of business loans, personal, company and equipment finance, home and investment loans. Combining this sound business expertise with a keen focus on client service, Michael can assist you in mortgage minimisation with options on investment loans and debt consolidation.

The 100% genuine home loan is a product that Michael has assisted many clients with. It is advantageous for the owner occupier and first home buyer utilising the First Home Owners Grant (FHOG) and the removal of Stamp Duty for first time buyers of up to $300,000. It can also be used to refinance up to 100% of the value of your existing owner occupier property for the purpose of future investments.

Conditions of the 100% genuine home loan include:

• $605 Application Fee
  
• Must be PAYG (Not Self Employed)
  
• Must be owner occupier of the purchasing property
  
• Up to $400,000 finance
  
• Competitive interest rate
  
• No genuine savings required
  
• No valuation fees
  
• No Legal Fees
  
• Free Redraw facility available (Min $2,000)
  
• May be utilised for Construction of your owner occupier
  
• 1st Home Owners Grant can be used to pay your mortgage insurance, application fee, valuation and legals.

For more information contact Michael Kelly

*Please note that any requested quotes should not be considered as an indication of approval of finance. Approval is subject to normal credit assessment procedures. RE/MAX Financial Services will not be bound by the quote until final terms are agreed and formal documentation is signed.