AUSSIE Broker Paul Gilliver
With over 20 years in the banking and finance industry, I have extensive experience in both personal and business / commercial lending, including home loans, personal loans and equipment finance. I am familiar with lender and borrower processes from initial enquiry through to completing, submitting and monitoring your loan application, assessment and approval, and on to settlement and ongoing loan management.
I firmly believe there is no such thing as a silly question; if you are thinking it, then it’s important for you to gain a full understanding to ensure you make an informed decision appropriate for your situation.
Complex financial situations
Particularly when it comes to business finance, it’s important to work through your loan requirements with a finance broker who understands complex financial situations including trusts and business financial statements. I have extensive knowledge and skills in this area and am able to work through your complex financial situation to find a home loan or business loan solution that works for you.
I have worked with many self-employed borrowers, examining profit and loss statements and balance sheets to determine your borrowing capacity and the right lender and the right home loan or business loan for your needs. I understand the time pressures you face as a self-employed borrower and I’m able to be flexible to your requirements so you can continue to put your business first.
Business and commercial finance
Business finance and structuring requirements are unique to each operation, so I like to conduct a personal meeting to assess your individual business position and borrowing requirements. With experience gained in business banking with three lenders and accreditation in Commercial Lending for Small Businesses and Financial Accounting for Bankers, I am able to analyse your business structure and financial statements with a view to meeting your current and ongoing requirements whether it be for a start up business, equipment purchase or working capital requirements.
I have experience in sourcing funding for a variety of business lending transactions including:
Fully Drawn Advances (FDA) or Term Loan
Line of credit
Debtor and inventory finance
Choosing the right home loan
Many of my clients make significant savings over the years simply because I find the right home loan for their situation. I review individual lender offerings in detail and help you to locate the most suitable home loan for your needs, supported by quality ongoing service.
First home buyers
Buying your first home can be a confusing time, so it pays to get the help of a good mortgage broker when looking for the right home loan. I explain the process of purchasing property and securing a home loan in plain English and cover all the essentials in the home buying and finance process step-by-step.
The three most common questions I am asked by first home buyers are:
Which home loan is right for me?
Should I fix my home loan?
How do I pay my home loan off faster?
To best answer these questions, I start by confirming your available deposit amount and ensure you are aware of and have made allowances for all associated costs of borrowing. Finding the right lender and the right home loan for you is the next step – every situation is different and what may work for friends and family may not be suitable for you. I keep in touch regularly throughout the home loan application process to let you know how your lender responds and guide you through to settlement and ongoing management of your home loan.
Miners and the resources industry
The resources industry is strong in the central and northern Queensland region in which I operate and I have worked extensively with employees in the resources sector to find and secure a home loan. As a result of working in remote areas and often unusual hours, I am able to offer extra and flexible support throughout your home loan application, finalising requirements via phone, fax and email in a time effective manner. I maintain regular contact and make myself available for queries at a time to suit you.
Working out what to do with property and any outstanding home loans when it comes to separation is an important part of moving on. I am experienced with property and finance settlements in marital and family separations. I understand the Family Court system and familiar with procedures so I’m able to work well with both parties and their Solicitors, to ensure a satisfactory outcome is achieved.
Complementary business services
My experience has shown that certain financial circumstances require the services of a specialist in that area. I have a network of professional contacts with experience in all aspects of lending and finance to whom I can refer you for specialised service if required. I will continue to work with you and your specialist throughout to ensure you find the appropriate home loan for your situation.
I am a supporter of Christians Against Poverty (CAP) – an organisation committed to releasing people from debt and poverty through debt counselling, practical services and financial education. I also assist people with budgeting and goal setting.
Qualifications and memberships
Diploma Finance & Mortgage Broking Management
Chamber of Commerce
Franchise Council of Australia
Affiliated member of The Australian Institute of Banking & Finance – AIBF(Aff.)
Mortgage Finance Association of Australia
Credit Ombudsman Service Ltd