Home Loan Specialist and Mortgage Broker for FIFO | Regional Lending | Post Code Restrictions | Local Zoning
Borrowing in regional areas comes with many additional hurdles.
Hurdles like: Regional Lending requirements, Post Code Restrictions, Local Zoning requirements. You need a local expert by your side.
Carlee Horsell is your Specialist Fly In Fly Out (FIFO) and Regional Employees Home Loan Expert. Carlee understands Mining Income for Employees, including miners, management, regional essential workers and public sector employees in South Australia and all across Australia. Carlee understands the unique needs and challenges for FIFO and miners Mining Income. How it paid, the bonuses and overtime are all seen differently by different lenders and their policies are very hard to understand, and this is where Carlee and her team excel.
To take advantage of this knowledge, contact us to book an appointment on 08 88213446 or email Email Carlee here:
Carlee understands the ins and outs of the lenders policies, and income requirements for borrowers with in regional South Australia including Kadina, Wallaroo, Moonta, Port Hughes, Ardrossan, Minlaton, Jamestown, Clare, Port Pirie, Port Lincoln, Whyalla, Port Augusta & surrounding area's and post codes.
Lending in postcode restricted areas
Many lenders have lending restriction based on the location of a property. This is commonly referred to as postcode restrictions. Some lenders have a list of areas they won’t lend in at all or areas where they will only lend at 80% or 70% loan to value ratio (or less) for example.
Another layer of complexity comes if you are seeking to borrow over 80% LVR and mortgage insurance is involved. The insurers have their own location restrictions which can be more onerous than lenders themselves. There are often simple ways around these potential problems and it usually comes down to knowing which lenders are comfortable doing what where. This is where Carlee can help.
Lending in Local Zoning areas
Local Councils have a long list of Zoning Areas which also need to be navigated. These include Aquiculture Zone, Bulk Handling Zone, Caravan and Tourist Park Zone, Coastal Conservation Zone , Coastal Marina Zone, Coastal Open Space Zone, Coastal Settlement Zone, Community Zone, Deferred Urban Zone, Industry Zone, Infrastructure Policy Area, Light Industry Zone, Local Centre Zone, Mineral Extraction Zone, Mixed Use Zone, Primary Production Zone, Residential Zone, Port Vincent Marina Policy Area 2 ,Rural Living Zone, Precinct 3 Limited Subdivision ,Edithburgh / Marion Bay Rural Living , Ardrossan Rural Living ,Bluff Beach Rural Living, Settlement Zone,Town Centre Zone & Water Protection Zone ........., to navigate all of this, you need an expert -This is where Carlee can help.
To take advantage of this knowledge, contact us to book an appointment on 08 88213446 or email Email Carlee here:
Our team service the Yorke Peninsula, Copper Coast, Mid North areas including Kadina, Wallaroo, Moonta, Port Hughes, Ardrossan, Minlaton, Jamestown, Clare, Port Pirie and surrounding towns
To take advantage of this knowledge, contact us to book an appointment on 08 88213446 or email Email Carlee here:
Start your home loan journey today
To take advantage of this knowledge, contact us to book an appointment on 08 88213446 or email Email Carlee here:
We can also help you with
- Debt Consolidation
- Debt Restructuring
- New Home and Construction Lending
- Refinancing -
