Mortgage & Finance Broker
0417 590 553
WITH OVER 23 YEARS OF EXPERIENCE
WE ARE intouch with your finance needs
finance by Peter Ritchie is team dedicated to FINDING YOU THE FINANCE RESULT YOU REQUIRE! There are many Mortgage Brokers on the Mornington Peninsula, but not many with 23 years experience and most have nowhere near the number of 5 star reviews that we have. We are available Australia wide, but love our local residents in Mornington, Mount Eliza, Mount Martha, Tyabb, Somerville, the Mornington Peninsula and anywhere else homes & humans are located.
OUR SERVICE IS FREE!
Well our first conversation is free. After that, depending on your individual scenario we may charge a service or information fee. But, before we commence on any work that may be billable, you will know in advance and will be asked to sign a written quote. No surprises. Just payment for quality information or work.
Our focus is always customer first. So whether you are just enquiring about what you need to do to get your first home loan through to the savvy property investor, we will look after your needs. We are based in Mornington and are happy to deal with anyone anywhere. Home Loans, Commercial Finance and Equipment finance is what we do and as MFAA Acredited Mortgage Brokers we are licenced to do it.
FIRST HOME BUYERS can be confused about deposits, genuine savings, equity, debt consolidation and borrowing capacity. We break it down into easily understandable portions and even if you are not ready to buy a house, we will help you put a plan in place so you can work towards buying your own house.
UPGRADING OR MOVING, then talk to us. With a large number of lenders on our panel to choose from, we will find you the right loan for you now and also take into consideration any future plans you may have. Just remember, it is not always about the cheapest interest rate!
INVESTMENT PROPERTIES or want to know more about investing in property, then our knowledge may help you decide if it is the right course of action for you. Even if is just explaining how Interest Only loans can work for you, explaining cash flow from an investment point of view or looking at long term investment scenarios – we can do that for you. No one gets wealthy just working. It isn’t about getting rich, it is about making sure you have enough money to live comfortably when you can no longer work.
CONSTRUCTION or DEVELOPING – do you want to build a house? We can help with access to a number of lenders who provide finance for construction. Thinking of SUB-DIVIDING and just want a chat about the process, then drop in for a coffee and ask away. We have access to a number of residential and commercial lenders who can assist.
REFINANCING or DEBT CONSOLIDATION – is it time you reviewed your loan to make sure you have a competitive rate? What about improving your cash flow and clearing some high interest rate debts? We will explain the pro & cons of debt consolidation to make sure it is the right option for you. Perhaps you can’t consolidate some debts, then we can discuss a plan to reduce the debt.
EQUIPMENT FINANCE – is it time to buy new equiment or upgrade exsting business equipment? We can help you through our panel of equipment finance specialists.
VEHICLE FINANCE – time for a new car (or even second hand) then we can help. It doesn’t hurt to know why the 0% finance offered by car yards isn’t always attractive.
COMMERCIAL FINANCE – sick of renting your factory, let us chat to you about some of the exciting options being presented by commercial lenders.
BUSINESS FINANCE – cash flow a problem, need to expand? Then we have lenders who may be able to help.
REVERSE MORTGAGES – you have a beautiful house, no debt or even a little debt, but you need some funds to enjoy the rest of yur life, complete some renovations, buy a car, go on a holiday or help the family? How do you do it? Ask me how, that’s how.
CREDIT HISTORY PROBLEMS – 
Life isn’t always easy and things happen, we understand that. With some of the specialist lenders on our panel we can sometimes come up with a solution when other lenders say No.
SMSF – Self Managed Super Funds – we can’t give you advice on whether it is right for you, but we can source the right loan that buys the property. Whether your result is driven by interest rate or serviceability, we will look into the best option that suits your needs for commercial & residential properties.
Financial Advice – no we can’t give any BUT that is why we share resources with a team of professional advisors who can. Whether you see us first to secure the loan and then chat with the Financial Planners or see them first for advice and then use us to secure the funding, it doesn’t matter. Either way you will get the advice and information you require.
Not sure yet, or want to know a little more about home loans, then make sure you check out the finance by Peter Ritchie TV channel on You Tube. (coming soon).
When does it suit you to catch up, because that is when it suits us. We will come to you at home during the day, evening or on weekends. We understand people are busy and time poor so meeting you on your terms suits us. Want some privacy during the meeting? We have a beautiful office with to conduct our meetings in, if that is more appropriate to your needs, particularly if you don’t want to deal with brokers who meet in coffee shops.
Get intouch with Peter and the finance by Peter Ritchie team for a complimentary consultation by connecting with us by phone: 0417 590 553
