“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
