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How we work

We understand your needs and compare loans to find the right one.

Expert Advice & Guides

Experts in Property Investment & Advice

Calculators

Crunch the numbers with our calculators.

Why Menzies

The one and only person that matters is the CLIENT.

Approved Lenders

We compare loans from over 20 lenders

Testimonials

Thank you very much for meeting with us again. Your advice is always spot on and gave Jacquie and I lots to talk about last night. I was very interested ...

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- Frank Fiorenza
Tim, Thank you very much for everything you have done for Sam & I . Everything went thru with no complications & no wrong amounts. It was so convenient to ...

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- Sam & Jenny Caliskan
Just a quick note to thank you for your help and advice in obtaining our home loan. We found your approach to our dealings was professional, informative and conducted in ...

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- Tracy Morely
Hi Guys, Just a quick note to say thanks for everything over the past couple of months, Its been a bit of an ongoing saga lately with complications from our ...

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- Jamie Thorncraft
We had saved some money, but had absolutely no idea what to do with it. So we sat down with people of a similar age from Menzies Financial Group and ...

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- Annie Wright
I can not thank you enough for quickly attending to all my financial needs, quickly, professionally and thoroughly. You got me my house, dealt with the banks, real estate and ...

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- Samantha Sheppard - Tranquility hair
Hey Tim, Once again a BIG THANK YOU for all your help in everything. You have no idea how thankful I am Tim for all your hard and tireless work. ...

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- Mitlena
We wish to express our utmost satisfaction with your services, which has been genuinely outstanding, honest and professional. Thanks and best regards.

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- Torben Kjaer
I just wanted to say thanks again for meeting with me on Wednesday night. You explained everything really well and at a level that I could understand! Hopefully we will ...

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- carley

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Why choose Menzies Financial Group?

Local Knowledge

We live and work on the Northern Beaches, we understand you

Independent

No Banks or other Lenders have any ownership in Menzies Financial Group

Approachable

Expert advisers who'll get you there without the mortgage jargon

Experienced

We have spent a lifetime doing what we do

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FAQ

Each bank calculates your maximum borrowing capacity differently using their own serviceability calculators. At Menzies Financial we run your figures over all the banks calculators and determine the amounts each bank is willing to offer you. We can also suggest ways to increase your borrowing amount if required. In general, the higher your income and the lower your other liabilities are, the more you can borrow. See the How much can I borrow calculator page for more information.
It depends on your circumstances and your outlook. Fixed rates are usually a little higher than variable rates so you have to weigh up the alternatives ie comparative cost of each option, the requirement you have for certainty in your repayments, what you believe rates will do in the future, and the question of how long to fix for. Fixed rates have the benefit of giving you full knowledge of what your repayments will be over the term you fix however they also have a number of disadvantages. These may include a limit to the amount of extra repayments that can be paid off the loan each year. Most lenders limit this to an extra $5K or $10K over your agreed repayments There may be significant break costs if you have to break the fixed rate period before its expiry date ie if you decide to refinance or sell the security property. The fixed rate is usually set at time of settlement - not at the time the rate is quoted to you at the beginning of the arrangement of the loan. You can however "lock" the fixed rate upfront however there usually is a charge for this and the amount is dependent on the lender you are using.
Depending on what area you are seeking advice, will determine if there is a fee or not. Generally it costs you nothing. As a group we refer large volumes of loans to each bank and commissions are paid back from these lenders based on this volume. The end result is that you end up with exactly the same loan as if you went to the bank directly but gain through getting our knowledge and advice on which banks it is worthwhile for you to approach and which banks are not. You also gain from our knowledge of loans and advice on the best way to structure your loan.
You can potentially save very large amounts in interest cost by paying the loan off more frequently and by paying off extra amounts. At Menzies Financial Group we use software that can show you exactly how much you would save in any given scenario and suggest ways you can achieve the greatest savings. Setting your loan up with an offset account also can be a way to pay your loan off more quickly because any funds placed within this account is effectively equivalent to paying principle off your loan. Contact us to find more about this powerful structure.

Where are we ?

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Contact Details

Address : Unit 1, 2 Victor Road Brookvale NSW 2100

Telephone : (02) 99072257

Toll Free : (02) 9905 8078