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Who We Are

We believe that borrowing money is a very personal and somewhat daunting process, choosing the right home, personal or business loan can be difficult, it can be confusing – having a professionally trained industry specialist available to guide you through all the pitfalls and traps is what we are all about!

For example, the purchase of a home is generally the most significant purchase that you (and your family) will make and given its importance we want to ensure we are there to support you through the whole purpose. Whether you’re a first time buyer, someone upgrading or you hold a large portfolio of property we can assist you and provide you that peace of mind.

Equally, you may own a small business and require a piece of equipment for it, access to a plant and equipment specialist who understands you and your business will save you valuable time and effort and enable you to focus on what you need to…your business!

Regulations within our industry are continuing to improving across Australia. Think of us as being a professional resource in the same way you think of your accountant, financial planner or solicitor. We are in the business of building long lasting relationships with our clients, we will always consider your best interests and not those of a bank or lending institution. We are flexible, we listen and we deliver on our promise!

We are great at managing relationships, we will work with you and your service providers (they might include a real estate agent,  a builder, a conveyancer or lender) during the purchasing process, while ensuring we help you obtain finance that best suits your circumstances and needs. We consider ourselves good at what we do and most of all we are proud of how we do it!

Thank you for taking the time to read about how we help you obtain finance. Hopefully, the above was able to help you understand how we can help you and ensure that nothing is missed and your questions are answered.

By all means, please call any of our team or the office for more information or clarification about your circumstances.

Our Team

Dean LaFrenais

General Manager

With more than 15 years of banking and finance experience Dean has held a number of senior positions here in Perth and around Australia. Having worked at a number of Banks and Financial Services providers Dean understands customers and their finance journey. Dean is very hands on! him and his highly trained team knows what questions to ask and listen closely to each answer before recommending a tailored finance solution specific to that clients circumstances and goals.

Dean “Seeking finance for any purpose is a very personal matter – we understand this and respect this fact. We genuinely care about the long term plans and goals for each of our clients. My team and I aim to provide you top rate, quality service promptly. I honestly believe we are different to our peers!”

Danielle Sherriff

Client Liaison Manager

Danielle brings to our team a strong background in customer service and finance. Danielle co-ordinates all our critical office functions and supports our clients too. Danielle has held a number of finance support roles during her career and has recently relocated to WA with her partner who is a “sandgroper”. Danielle poses an infectious attitude and deep passion to assist client at all stages of their finance journey.

Danielle “I really just want to help people achieve their goals”

Denny Thakrar

Senior Lending Manager

Denny brings a wealth of banking experience to the team. Having worked at Suncorp, Bankwest and St George in various home loan lending positions – Denny knows home loans! Denny's engaging personality puts his customers at ease when dealing with all their inquiries.

Denny “I know that every client is different, they cannot be treated the same, so with that, I am flexible in my approach. Understanding a clients needs and circumstance is the best part of my job and that’s why I love what I do!”

Claire Ferguson

Senior Lending Manager

Over the last 13 years Claire has worked in the customer service/financial industry in several management positions. Claire’s passion and drive brought her family to Perth 6 years ago from Scotland. Along with her husband she has built her own home in Perth, this experience gave Claire first-hand experience of being a first home owner. Claire understand how to guide her clients through this process as a result.

Claire "My overall aim is to understand my client’s goals and deliver a solution that exceeds their expectations, whilst providing exceptional customer service along the way!"

Mark Lancaster

Senior Lending Manager

After 14 years building his property portfolio while working in the Resources Industry, Mark moved into the Mortgage and Finance field to help others achieve their home ownership and property investment goals. Mark’s knowledge and quality of work was recognised in 2015 when he was awarded Best New to Industry Broker for WA by PLAN Australia. Ensuring that clients are provided with the best advice and finance solution for both their current and long term needs is the number one priority for Mark.

Mark “Helping clients into their first home or investment property and knowing that they are getting the best deal possible is very rewarding.”

 

David Dobson

Lending Manager

David brings a great depth of financial services experience after holding a number of senior roles throughout Australia. David is super passionate about looking after the needs of his clients and this has helped him forge a very successful career as a result of this focus. David is process driven and ensures his clients are kept up to date throughout the application process.

David “I like to ensure my clients receive quality advice and understand all that they need to when applying for finance. I pride myself on helping people, it is really rewarding seeing people achieve their financial goals”

Luke Clarke

House and Lending Specialists

Luke has spent most of his professional life finding the best solution for individuals and businesses alike. Taking the time to understand his client’s personal and financial goals, Luke tailors every solution to the need. Honesty and communication are the cornerstones of Luke’s work and he never strays from them. Luke brings to the IRF Team a wealth of construction experience as he himself numerous times.

‘I know for most people, buying a home is their biggest financial decision in their life and it can be daunting, I have been in that position and I want to ensure their experience is as stress free as possible.’ I pride myself on strong communication keep my clients full aware throughout the process.

 

Brian Macauley

House and Lending Specialists

Brian is focused on providing mortgage and finance services with the highest levels of customer satisfaction and professionalism. He brings a breadth of professional experience, including management, sales, and business ownership, as well as a commitment to purpose in finding a great deal for his clients.

As an experienced property investor, Brian is a firm advocate of property as an important part of his clients’ wealth strategy. He understands first-hand, the challenges of investors, and first (or subsequent!) home buyers, as well as those of refinancing to renovate or improve cash flow.

Brian holds a Diploma of Finance and Mortgage Broking Management and Full Member status of the MFAA. When not assisting clients with their finance needs, Brian enjoys outdoors activities on the water or in the bush.

 

Our Services

There are a number of financial products on the market and it is important that you find a solution that best suits your needs and circumstances.

We pride ourselves on our ability to get your loan settled! We have extensive experience in all things lending, including:

First Home Buyer

Borrowing for the first time can be intimidating, we take the stress out of borrowing for first home buyers. Our Lending Managers speak in easy to understand language without the “bank jargon”. A first home buyer can obtain a home loan to purchase their first home from a variety of financial institutions so we present options and tailored solutions based on the size of your deposit and whether you wish to buy established or you wish to construct.

Investment Loans

Investment loans can be structured in a specific way that allows you to make the most of your assets! Get it wrong and you cost yourself time, effort and $$$’s. An investment plan is one that works toward building your wealth and securing your financial freedom. For some, the future may seem a long way off, but the time to act is now because the future waits for no one. The housing market is generally a seven to ten year cycle, there are always highs, lows and steady patches.

Construction Home Loans

Construction lending is complex, building a home is exciting, don’t let this experience be dampened by a novice. We are construction specialists, being part one of Perth’s premier building company’s Blueprint Homes we know construction lending like the back of our hands! Firstly obtaining the right loan for you and then getting it approved is something many brokers get wrong – don’t be one of those “I told you so stories”. Let us help you build that dream home with no hiccups.

Standard variable & fixed rate loans

Finding the right loan for you is critical, standard variable rate homes loan offers more features and flexibility than the basic or “no frills” loan, so the rate is usually slightly higher. Fixed rate loans are set at a fixed rate for a specified period – usually one to five years. The advantage of allowing you to organise your finances and repayments without the risk of rising interest rates is offset by the disadvantage of not benefiting from a drop in rates. Whatever be the case you want a home that meets your needs – we listen to you and source that home loan for you!

Personal Loans

Ever thought about reducing your monthly outgoings with a consolidation loan? Are you getting nowhere trying to pay off that credit card? Or are you simply wanting to put in that pool you have been after for such a long time – we can help. Our specialist Finance Managers can source a personal loan in super quick time with minimal ease. Best of all we can do most of the work on the phone. Personal Loans are a popular choice for clients wishing to fulfill a particular need when you need it most!

Bridging Loans

A bridging loan may be necessary to cover the financial gap when buying one property before the existing one is sold. This finance is generally secured against your property as you are utilising the equity in your existing property. Usually, bridging loans are short term and more expensive than other types of loans.

Car Loans

Whether you are purchasing a car from a car dealership or by private sale we can help you with car loan. Providing you with the flexibility to shop around for the best deal, unlike dealing directly with a dealership our speedy approval process can have you in that bright new shiny car in next to no time! We take the risk out of purchasing vehicles privately to by performing PPSR and encumbrance checks on all vehicle to confirm ownership, clear title and whether the vehicle has been written off or stolen.

Insurance

We also specialise in helping you secure your loan and financial freedom by offering risk, life and general insurances. Through our valued partnership arrangements we are able to offer our clients a range of different insurances to cover yourself, your loan or your asset. Call us or the office to find out more about the cover we offer.

Plant & Equipment

Are you looking for a piece of machinery for your business? Are you a small business owner, a sole trader or simply a person that relies on your tools of trade to make a living? We can help expand your business, replace equipment or upgrade to ensure your business stays ahead of your competitors. Are speedy service will see you suffer no down time as we understand you and your business needs!

Recreation Finance

Imagine sunsets out on the Swan River on your new boat, an early morning motorbike ride through Kings Park or hitting the road with the family all packed up in your new Campervan or Caravan….we can bring these dreams to life! Life is too short to waste time contact us to finance your new recreation toy!

Commercial Loans

Due to expensive upfront costs and regulation related hurdles, smaller businesses do not typically have direct access to the debt and equity markets for financing purposes. Therefore, they must rely on financial institutions to meet their financing needs. Commercial Loans are renewable loans used to finance a company’s immediate working capital needs. These can be large or small scale and usually operate short-term.

What We Do For You

Whatever your lending needs are we are committed to providing you with the right loan to meet your circumstances!

Along with sourcing great interest rates, speedy approvals, and easy to deal with Lending Managers, we will provide you with an unparalleled customer service experience.

Our industry leading customer service is what sets us apart from other brokers and brokerages. Our commitment to you, our borrowers is:

  • We are open, honest and trustworthy
  • We will be easy to do business with
  • You will talk to a real person
  • We are local and accessible
  • We will get back to you
  • We will go the extra mile, every time
  • We will listen to what you want
  • We will source a loan that suits your needs
  • We will source attractive interest rates
  • We are here to serve you and you will be 100% satisfied with our service
  • We believe in "our actions today form our destiny tomorrow"

At InReach Finance we have a dedicated team, ready to answer your questions. When you call anyone in our team, your call will be answered by a real person. Your queries will be answered by a friendly team member, our team will guide you through any loan application process and into the future.

Not only that, our team is qualified and fully compliant. You can feel confident that you are in safe hands and we will find the loan that's right for you.

Contact Us

Keep in touch with us

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When we help you with your borrowing needs, we consider you to be a client for life. We want you to be confident that you are working with someone who has your best interests in mind now and in the long term. We have many years’ experience in the banking & finance industry. Our aim is to find you the best loan for your needs, and make the process as simple and transparent as possible! Please get in touch with us today. To enquire more please click here.

Ph: 08 6241 4888

Email: info@inreachfinance.com.au

Address: 22/257 Balcatta Rd, Balcatta, WA 6021

Loan Calculators

Use our mortgage calculators to find out how much you can borrow. We’ve designed these calculators to help give you a better insight into how the banks will view your loan application.

Please be aware that these loan calculators are a guide only. For more exact expert advice, please get in touch with our team today.

 

FAQs

What does a broker do?
Brokers are lending professionals in the bank & finance industry. They work with you to determine your borrowing needs and how much you can borrow. Brokers help ensure you don’t take out a loan that is too big or the wrong product for you.

Professional brokers only focus on loans. If you have a toothache, you go to the dentist not a florist. If your car is broken you take it to a mechanic not a librarian. You go to someone trained to help you with your specific need. It’s same when you need a loan.

Brokers have access to a wide variety of loans. This mean your broker can find a loan is just right for you.


Do you charge fees for home and investment loans?
Some mortgage brokers charge a fee and some don’t. WE DON'T! When you take out a loan via a Broker – it does not cost you more. That is an absolute myth. Brokers get paid commission by the bank for bringing new business to them, this does not impact your rate or level of service.

Some brokers charge a fee for their service. They must disclose this fee upfront to you so you know what you will be up for if you engage their services.


What is Loan Mortgage Insurance or LMI?
Lenders Mortgage Insurance is one of the ways to achieve the dream of home ownership sooner for borrowers that do not have a large deposit in most instance approximately 20%.

Most banks and financial institutions require you to contribute a deposit based on a percentage of the purchase price of your property. With Lenders Mortgage Insurance, lenders may allow you to borrow a higher portion of the purchase price, allowing you to purchase a property sooner and with a smaller deposit than would otherwise be required. Many lending institutes here in Australia will allow clients to borrow between 90 – 95%.

Lenders Mortgage Insurance should not be mistaken for Mortgage Protection Insurance, which covers your mortgage in the event of death, sickness, unemployment or disability. Lenders Mortgage Insurance protects your lender against a loss should you as a borrower default on your home loan. If the security property is required to be sold as a result of the default, the net proceeds of the sale may not always cover the full balance outstanding on the loan. Should this be the case, your lender is entitled to make an insurance claim for the reimbursement of any shortfall.


Don’t you just recommend the lender who pays you the most commission?
Absolutely not! There is legislation in our industry, called the National Consumer Credit Protection Act or NCCP, that is designed to protect consumers and ensure ethical and professional standards in the finance industry. We tell you upfront what commission we will be getting from the bank. Our job, our only job, is to find the best loan for your needs and serviceability.


Isn’t it more expensive to use a Broker?
NO! Brokers source competitive products for clients and in many cases you can sometimes get a better deal from a broker! At InReach, we work on your behalf to find the most cost effective product based on your needs and circumstances. Give us a call and we can go into your options in more detail, or check out the loan calculators page of our site!


How much can I borrow?
This is typically based on your overall financial picture. There are number of websites and software out there that will give clients an indicative lending figure but general they are "guesstimates"  at best, there is simply no substitute for speak in person to one of our Lending Managers.


Should I go fixed or variable?
I am only allowed to recommend a product based on what you say is most important to you eg “pay my loan off quickly” or “guaranteed repayments”.The only way we can provide you with an answer to a specific question like this is by firstly understanding you current financial picture and completing a fact find to determine what you hope to achieve by lending money.

I do however, live by the following; “if you want flexibility take a variable rate loan, if you want budget certainty take a fixed rate loan, if you want both, then do both”


I am not in your area, can we still work together?
Sure thing! We are mobile so we can come to you.


Which lenders do you deal with?
Our panel of lender consists of major banks, second tier lenders and credit unions. We can source you a loan from the lender of your choice. Our panel consists of approximately 45 home loan lenders and nearly 20 lenders who deal with specialty lending such as personal and business.

We do not have any affiliations with any lenders so we source the most appropriate loan for you.


Who sets interest rates?
The reserve Bank of Australia meet on the first Tuesday every month to determine the official cash rate for the country. The lenders then use this information to set their own rates. Mortgage brokers do not set rates.


Why should I use a mortgage broker if I can go with a bank?
When we talk about a ‘loan product’ we are referring to the thousands of options that are currently available for you for your loan. Each bank (for lender) has loans of different loan options – low doc, package loans, re-draw facilities, plant and equipment loans, fixed, interest only, interested in advance, variable, introductory variable… the issues you face as a consumer is ‘which loan is right for me?’ And that is where a mortgage broker comes in. IF you go direct to the bank, you will only be offered the loan options available through that one lender. As your mortgage broker, we do all the leg work for you. We are across many lenders and all of their loan products and our sole purpose is to find the right loan for your needs.

Resources & Downloads

There is a lot to keep up with in the financial industry, subscribing to our Newsletters ensure you receive valuable information to assist you when you need it.

Our communication initiative ensures that you are kept up to date through useful and informative communication pieces. We will also let you know the outcome of the monthly Reserve Bank of Australia (RBA) meeting, and what this means for your financial situation.

If you subscribe to our Newsletter, you also gain access to addition our other resources such as additional calculators, additional guides, forms and information sheets and our other services such as credit reports and property reports. These valuable resources are available to all InReach Finance Clients.

Complete your details to gain access to more information including free credit checks, property reports, videos and much more!

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