It is the most important purchase you will ever make. And unless your name is Bill Gates, you are going to have to borrow at least some of the purchase price. That’s right – it’s your own home. And getting the right home is much easier if you use the right home loan.
We specialize in all aspects of owner-occupied lending. We have access to all the major lenders, and this access lets us help you find the home loan that is absolutely right for you. What’s more, we help with every element of the application process. This speeds things up and gives you the best chance to have a loan approved at the right time and at the right price.
Whatever your circumstances, there is a home loan that suits you – and we will help you find it.
We also assist with managing your home loan – whether it be through setting up a mortgage offset savings account, choosing fixed or variable interest rates and setting the repayment period that makes the most sense for you.
First home buyers are a specialty for us. There is nothing we love more than helping people take this first step on the path to home ownership.
Director and Financial Planner
Shane has been running a thriving practice since 1998. Having cut his teeth with St George Bank, he initially set up as a mortgage broker, before adding financial planning in 2006. Shane combines these decades of experience with an Associate Diploma in Accounting and Diplomas in Financial Planning and Finance & Banking.
Shane works with clients, young and not so young, providing assistance with every aspect of their financial profile. On the mortgage broking side, Shane assists clients with all forms of lending, including residential property loans, investment property loans and lines of credit. Refinancing is a specialty, as is vehicle and equipment finance. Shane’s business owning clients love the attention to detail he brings to their business lending requirements.
On the financial planning side, wealth management and insurance are key interests, as is assisting young people establish their financial footholds with things like the first home. Many of these young clients are the adult children of older clients who have been with Shane for many years. Shane finds these ‘inter-generational’ referrals especially gratifying, honoured that his clients see him as the natural source of information and inspiration for their own children. Similarly, most of Shane’s ‘new’ clients are referred to him by very satisfied current clients.
Shane is also keenly interested in self managed superannuation, and many of his clients benefit enormously from his expertise in this area. He provides assistance at every stage of the SMSF journey, from establishing the fund, maintaining compliance, developing and implementing effective investment strategies including property investment, preparing and lodging tax returns and closing funds when they are no longer required.
On the personal side, Shane is actively involved in the local sporting community, especially cricket, AFL, soccer and netball.
Shane Plumridge is an authorised representative (305984) of Wealth Today Pty Ltd (AFSL 340289). Shane is also an authorised credit representative (376728) of Mortgage Wisdom Australia Pty Ltd (ACL 377272).
There are two ways to think about the price of anything. The first is the number of dollars it would cost to purchase that thing. The second is to think about what else we could spend our money on. This is called ‘opportunity cost’ and it is always worth remembering when you make a purchase.
The 2016 Federal budget introduced a number of changes to superannuation. Many of these changes take effect on 1 July 2017. This is just a few weeks away, so this is a good time to review the changes and decide if you need to make any adjustments to your super to minimise any negative effects of the changes.