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What our clients say:

John of SMP is my secret weapon and one I’m only too happy to share.
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TESTIMONIALS

"Hi John,I just wanted to take a moment to thank you for all your help. You really have delivered well and truly above our expectations. The whole process was very smooth and we found it reassuring to have your ongoing support throughout.I have dealt with other brokers in the past who seem very happy to leave you to your own devices as soon as you sign on the bottom line."
read a full story >>>
Simon and Sarah Rhead Adelaide, South Australia

“Just a brief note to thank John Kinross for his tenacity and hard work in the restructure of our mortgages" read a full story >>

Ryan and C J Coulton
Sydney, NSW

"Dear John,
I would like to thank you and praise you for your outstanding client service, excellent financial advice, friendliness and professionalism during my loan application. Due to my circumstances and stressful time that I had endured you have made it extremely easy for me to purchase my new home. Thank you also for continuingly communicating with my legal representative and keeping me informed at all times. I will not hesitate to recommend your services to any of my work colleagues, friends and family.Thanks again for doing all the hard work."

Nalan  Pehlivan
Northmead, Sydney, NSW

"I am writing this email to thank you for the wonderful job you have done to find the right home loan for me. I was amazed at how dedicated you where to not only ask me what my requirements where but to also find the solution that I was right for me. Buying a home can be a stressful task when dealing with solicitors and real estate agents and can have many obstacles along the way however I am happy to say that your service was hassle free and gave me piece of mind. Every email was answered promptly and all questions were answered immediately." read a full story >>

Steve Arsinoski
Business Development Manager
Veda Advantage

"We recently used Sydney Mortgage Practice to organise the mortgage for our
recent property purchase and were extremely satisfied with the service John
Kinross provided.  Coming from the UK, we weren't familiar with the mortgage
system in Australia but John took us through that step by step and we felt
very reassured of the process. We were very impressed by his attention to
detail and by his courteous, professional and friendly manner.  We would not
hesitate to recommend Sydney Mortgage Practice and would definitely use them
again for future purchases."

Kier & Joanne Duncan
Rozelle, Sydney, NSW

“What an easy, reliable and transparent experience we had with Sydney Mortgage Practice. Applying for a mortgage is meant to be a stressful process but thanks to John’s professionalism, knowledge and experience the whole process was smooth and straightforward”.

Nicholas Cockle
Director
Grange Building Co Pty Ltd

" I engaged the services of John as our mortgage broker and found his service and industry knowledge to be exemplary. He would always make himself available and was able to explain processes clearly and concisely. Being new into the property market this was invaluable, ensuring we were aware of the best products that were suited to our requirements. I would have no hesitation in recommending John and his service to anyone considering refinancing or entering the property market."

Matt Gorrie
Principal Consultant
Calibrate Recruitment Pty Ltd

“Once again, thank you very much for you advice in buying my first property and particularly I am grateful for your moral support... read a full story >>>

Cecilia Perez Cano
Randwick, Sydney NSW

"...I was so very impressed with my dealings with John, the speed with which he dealt with my problem, the calmness with which he dealt with me and the genuine interest in my needs. I have since recommended John to everyone I come across. He is my secret weapon and one I’m only too happy to share.." . read a full story>>>
Linda Baker. Avalon

“When I recently refinanced my home, I could hardly imagine the process would be so painless. My expectations were quite the contrary but John Kinross of Sydney Mortgage Practice proved me wrong..". read a full story>>>
Sarah M Hudson, Sydney

"John Kinross was referred to my husband and me by a satisfied customer who was impressed by his professionalism and industry knowledge. Initially we were apprehensive about going through the rigmarole of choosing a home loan but John quickly took all the stress and difficulty out of the process..." read a full story>>>
Another satisfied customer,
Bianca Luck

“Thanks heaps for helping me on the road to home ownership. Your very patient and kind and I wish you for years to come, a business that just keeps growing”.
Judy H, Gyra

"John re-organized our finances once again to suit our new requirements and was of enormous assistance during the long and arduous process of building, all with a minimum of fuss. Because of my employment, I was (and still am) constantly away overseas and in this respect, the assistance that John provided in my absence in terms of liaising with the financial institution concerned enabled me to go away with confidence knowing that all financial requirements and appointments would be met. John has always carried out his duties in a dependable and no fuss manner. The plan would often change and John took all of this in his stride, re-organized our requirements and carried on, all with very little input required from us..." read a full story >>>
Dave Hawkins, Airline Captain.

“When I originally purchased my property with my sister I had the good fortune of her being a lawyer with an understanding of property settlement. When it came to refinancing our loan to take the property on myself I had no idea where to start. Enter John Kinross and SMP – thanks to the professionalism and expertise of John, the process was a complete walk in the park. John and the Sydney Mortgage Practice consulted on a fitting package for me and my unique circumstance. They even assisted in conversations with my solicitors, ensuring the entire process was completely seamless. I have no hesitation in recommending John and SMP to any prospective client. I’m certainly going to be calling on there services again in the future.”
Piers Redward, Waterloo

'John Kinross from Sydney Mortgage Practice negotiated a complicated four-split loan for me and i was very impressed with his professionalism, attention to detail and seamless approach to the task. I understood every aspect of the loan process and his diligence and patience was exemplary...' read a full story >>>
Regards, Denise Monsonego

"Being a first home buyer I recently needed assurance and comfort in finding the right home loan.  This meant advice from someone I could trust who was eager to fully understand my needs and someone who had a high level of insight into and knowledge of the mortgage market.  A very professional individual with all these qualities, John subsequently explained and delivered advice that suited my level of understanding and made the process of attaining finance seem simple..." read a full story >>>
Mac Lydiard, Business Manager, Wentworth Travel

“Having to refinance after changes in the property market, and having complex property ownership structures, Sydney Mortgage Practice offered fantastic advice and strategies that would work for us, which gave us the flexibility of choice to suit our situation..." read a full story >>>
Audra Godfrey, Cronulla

'Just a short note of thanks to John Kinross (Sydney Mortgage Practice) for the great service he provided in obtaining my new home loan. In his capacity as a mortgage broker, he quickly demonstrated his thorough knowledge of the industry by identifying suitable home loan products that met our needs. We then had the simple decision of selecting a provider. '...read a full story >>>
Ray Salzmann, Camden

'Firstly we would love to thank John Kinross of Sydney mortgage practice for his incredible service over the past 4 years. Without him our family would be not be living in the beautiful home he assisted us in securing, renovating and most recently refinancing' read a full story >>>
Dan, Katrina, Zoe & Archie Howard
Willoughby

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Mortgaging Made Easy

“When I recently refinanced my home, I could hardly imagine the process would be so painless. My expectations were quite the contrary but John Kinross of Sydney Mortgage Practice proved me wrong.

A friend referred me to John when I was planning to buy my father’s stake in a Sydney apartment which we had bought in 1999. After living overseas for a few years, I had decided to buy him out, renovate and make it my new home.

To do so, I needed to refinance my existing mortgage and take on larger debt – an idea that I didn’t particularly relish.

But from when I first contacted John, he took the worry out of it. From after-hours meetings at home, to liaising with the banks and my solicitor, and keeping me updated on the progress with paperwork - John takes service to a new level.

Our first meeting was at my convenience, after work and at my place. He took time to understand my finances and what I wanted, he outlined possible options, and later, returned to help me complete the lengthy application forms.

He made things happen. He managed the application process with the banks, explained the legal terminology in the bank contracts, and kept me regularly informed of progress.

On the day of the transaction, I felt everything magically happened, without my stress or worry. And by the end of the process, instead of thinking I had gained a huge debt, I felt I had gained a friend in John.

I have no hesitation in recommending John Kinross of Sydney Mortgage Practice to anyone considering assistance with property finance. He’s professional and a good guy.”

Sarah M Hudson
Canning-Debelle Pty Ltd
Sydney, NSW
.

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"This time last year, I was in quite a predicament. I had found my dream house on Sydney’s northern beaches, my bank had cleared the additional funds needed to purchase the house, so I put in a bid. Accepted, I was thrilled. Papers were signed. Days later, my bank decided they had made a mistake and would no longer be able to help. 7 years of loyal patronage meant nothing! What was I to do, I had bought a house, not sold my current house and was very worried.

Enter John Kinross. One meeting and a number of phone calls later, John had refinanced my existing home, organised funds to buy my new home and all this while dealing with a very anxious, nervous client. John was able to structure the finance to suit my needs and offered sound advice over and above what my previous lender would ever do. I work in Sales, so I understand the need for customer service, understanding and follow through. I was so very impressed with my dealings with John, the speed with which he dealt with my problem, the calmness with which he dealt with me and the genuine interest in my needs. I have since recommended John to everyone I come across. He is my secret weapon and one I’m only too happy to share.

Linda Baker
Avalon

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"We first met John about 10 years ago. He was recommended through my wife's Sister and her husband. They had engaged his company to get their financial affairs in order and had recommended John to us after he began looking after them.

I'm not a financial person by any means, although our income could be seen to be relatively high in comparison to others. In my opinion, we had made some poor investments and were a little gun-shy of making any other bad investments. Like some other professionals, I found that I'd rather let things roll along than take any more risks.

Our dilemma was that we had just bought our first house after years of renting and trying to save for a deposit. We had just had our third child. Among all of our other aspirations, we desired to send our children through private school. We also had a variety of other loans and commitments which were tying up our disposable income.

John had made an appointment with us, taken all of our details over a two hour period and went away to work on our case. We had detailed our goals and aspirations, our financial commitments and requirements over a couple of cups of coffee and a few laughs. John has the capability to instantly relax his clients and make them feel at ease. On a personal level, John could be classified as a dependable friend with a strong sense of humor. On a professional level, John sets and demands the highest standards from himself and the professionals that he deals with. He is extremely reliable and has often gone out of his way on weekends and after hours to make sure that everything runs smoothly.

John re-financed our first house and was constantly in touch with us over the next two years to make sure that we were still on track with our finances. We have since used John to help us reach our goal of knocking down our old house and building a new one. What seemed unobtainable has become reality.

John re-organized our finances once again to suit our new requirements and was of enormous assistance during the long and arduous process of building, all with a minimum of fuss. Because of my employment, I was (and still am) constantly away overseas and in this respect, the assistance that John provided in my absence in terms of liaising with the financial institution concerned enabled me to go away with confidence knowing that all financial requirements and appointments would be met. John has always carried out his duties in a dependable and no fuss manner. The plan would often change and John took all of this in his stride, re-organized our requirements and carried on, all with very little input required from us.

John is constantly on the alert, looking for more suitable Bank and financial packages that better suit our needs. In addition to this, he has structured our financial affairs in such a way that they are still trouble free and have worked effectively for us over the last 10 years, whilst at the same time maximizing our income. I have often called John for his financial advice and have always received frank and open advice on whether or not he thought the financial move was a good one.

I have recommended John to friends and work colleagues and still have no hesitation in recommending John Kinross to others interested in maximizing their income.

We now live in our new house. Two out of our three kids are now attending private school, with the third still to start. Our finances are still under control and in the near future we will be calling upon John again to discuss our next move. We wish him well for the future.

Dave Hawkins
Airline Captain

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“Just a brief note to thank John Kinross for his tenacity and hard work in the restructure of our mortgages"

John has demonstrated genuine professionalism throughout the entire process. From the outset John diligently provided us with a number of options for the restructure of our mortgages to suit our needs. This detailed planning including the assessment of a number of mortgagees, loan products and structures has resulted in a significant upfront saving in excess of $10,000.

John displayed tenacity and drive through a number of challenging situations and John continually informed us as to the status of our mortgage during the entire process. John provided us with a real client experience congratulating us at each key milestone.

John takes a holistic approach to meeting his clients’ needs and assisted us with access to other information and services within the industry which we were grateful for.

Thanks again John. 

Ryan and C J Coulton
Sydney NSW

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“Once again, thank you very much for you advice in buying my first property and particularly I am grateful for your moral support.

John has been very helpful and guided me all the way in the process of purchasing my first apartment. He educated me about all parts of the mortgage process and his advice has been invaluable. His commitment, knowledge, organisational skills and patience in explaining every step of the buying property process, has been outstanding. He has been dealing with all aspects of the finance process in an efficient and professional manner. I would highly recommend John as an expert in dealing with mortgage issues to anyone intending to purchase a property and he would certainly be my first choice should I need financial advice in the future.”

Cecilia Perez Cano
Randwick, Sydney NSW

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I am writing this email to thank you for the wonderful job you have done to find the right home loan for me. I was amazed at how dedicated you where to not only ask me what my requirements where but to also find the solution that I was right for me. Buying a home can be a stressful task when dealing with solicitors and real estate agents and can have many obstacles along the way however I am happy to say that your service was hassle free and gave me piece of mind. Every email was answered promptly and all questions were answered immediately.

Having a busy schedule you where very flexible to find ways to work with me and provide exceptional customers service and financial advice. Whilst putting the loan application together I have found you to be helpful, courteous and patient as well as open to my needs whilst adding your experience.

I highly recommend Mr. John Kinross to anyone who is looking for a financial broker who has years of experience and knowledge of the financial industry as well as the competencies and resources to provide consultative solutions.

I thank you once again for all your help. I look forward to utilizing your services in the future and I will gladly recommend and family, friends or colleagues to you in the future because I know they will be taken care of.

Steve Arsinoski
Business Development Manager
Veda Advantage

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John Kinross was referred to my husband and me by a satisfied customer who was impressed by his professionalism and industry knowledge. Initially we were apprehensive about going through the rigmarole of choosing a home loan but John quickly took all the stress and difficulty out of the process. His attention to detail and ability to describe everything in a simple format was amazing. John is a fantastic relationship builder and is definitely someone that i will refer to anyone who looking for a streamlined, seamless, process when applying for a home loan. Thanks to John, we ended up getting a home loan through a reputable lender with a competitive rate and i can not fault the process at all, in fact i congratulate him.. Thanks John.
Another satisfied customer,
Bianca Luck

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John Kinross from Sydney Mortgage Practice negotiated a complicated four-split loan for me and i was very impressed with his professionalism, attention to detail and seamless approach to the task. I understood every aspect of the loan process and his diligence and patience was exemplary. John went the extra mile, was always accessiable and gave me upmost confidence in his ability. The end product is with the new loan John negotiated i now save over $600 per month in mortgage repayments and as you can imagine i'm dleighted. I would have no hesistation engaging his service again and infact would recommend him to anyone requiring mortgage assistance.
To you John, Cheers!
Regards, Denise Monsonego

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"Being a first home buyer I recently needed assurance and comfort in finding the right home loan.  This meant advice from someone I could trust who was eager to fully understand my needs and someone who had a high level of insight into and knowledge of the mortgage market.  A very professional individual with all these qualities, John subsequently explained and delivered advice that suited my level of understanding and made the process of attaining finance seem simple.

John continues to work with me on an ongoing basis and we have just decided to fix some of my debt for 5 years to take advantage of a fantastic 5 year special fixed rate of 6.59%. He is now advising me on the in's and out's of buying a new car.  I am a loyal client of John’s and will be for a long time to come".

Mac Lydiard
Business Manager
Wentworth Travel

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“Having to refinance after changes in the property market, and having complex property ownership structures, Sydney Mortgage Practice offered fantastic advice and strategies that would work for us, which gave us the flexibility of choice to suit our situation.

I have referred a number of my friends, who, like me were after reliable advice regarding their financial situations. As I highly regard John’s advice, I had no hesitation in referring them to John.

The peace of mind that his advice gives, his professionalism and dedication to his clients are of the highest standard.”

Audra Godfrey
Cronulla

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“Just a short note of thanks to John Kinross (Sydney Mortgage Practice) for the great service he provided in obtaining my new home loan.

In his capacity as a mortgage broker, he quickly demonstrated his thorough knowledge of the industry by identifying suitable home loan products that met our needs. We then had the simple decision of selecting a provider.

During the finance application process, John kept us informed every step of the way from pre approval, through to valuation, receipt of the mortgage documentation and a pleasant congratulatory phone call upon settlement.

I was extremely impressed with John’s honesty and commitment to getting the most suitable finance solution for us, this has resulted in me referring numerous clients to John so that they can also benefit from John’s service.

John, in closing, keep up the good work and I wish yourself and Sydney Mortgage Practice every success in the future”.

Ray Salzmann
Camden

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Firstly we would love to thank John Kinross of Sydney mortgage practice for his incredible service over the past 4 years. Without him our family would be not be living in the beautiful home he assisted us in securing, renovating and most recently refinancing.

John was recommended to us by a friend in 2004 when searching for our first home. It was obvious from the first meeting that he was not there to simply get us a mortgage but to form a relationship with us that would last many years.

Owning our own small business was making it particularly hard to borrow the amount we needed and John worked tirelessly to make sure that every bit of documentation that was needed was completed and we received the funds to buy a “renovators delight” and turn it into our first dream home.

Halfway through our renovation we needed more funds as those unforseen problems became evident. As the house was in a very bad state and hard to value as a shell, we ran into issues with our financial institution and John worked overtime to 1. Secure the funds for the additional works and 2. Negotiate with the bank to allow us to make the payments to the builder rather than them.  The result of Sydney Mortgage Practice’s work saw a change in the way our bank dealt with customers during renovating allowing customers to have more control of their money.

We have recently refinanced our home and again John went above and beyond our expectations. At no time have we felt any pressure to use a certain financial institution. We always feel comfortable with the advice he has given and the structures he has set in place for our family and our small business background.

We are grateful for this opportunity to thank John for his efforts in securing our business and most importantly to recommend Sydney Mortgage Practice’s to anyone wanting personal service. Why would someone want a bank manager of a specific bank when they can have a mortgage broker representing all of them?

It’s great in this day and age of call centres and invisible bank managers to be able to pick up the phone and speak to someone who actually cares about not only his own business but our lives, business and family as well.  John knows our children’s and is always on the invite list for our dinner parties and BBQ’s in our lovely home that he helped us build and create.

Thankyou Sydney Mortgage Practice”

Dan, Katrina, Zoe & Archie Howard
Willoughby

"Hi John,I just wanted to take a moment to thank you for all your help. You really have delivered well and truly above our expectations. The whole process was very smooth and we found it reassuring to have your ongoing support throughout.I have dealt with other brokers in the past who seem very happy to leave you to your own devices as soon as you sign on the bottom line. It has been a very refreshing change to deal with some one as thorough and professional as you. I realise we did not make it easy giving you such a short turn around time with us needing to "seal the great deal" quickly before heading on an overseas holiday. Having you tie up the loose ends whilst we were away really was first class.We also appreciate you taking the time to understand our situation and finding the right loan product for us, making choosing the actual loan easy.I will be recommending you to everyone I know considering refinancing or purchasing a property as it is the least we can do. We really couldn't be happier.Thanks so much."
Simon and Sarah Rhead Adelaide, South Australia

 

 

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