Services
Spencer does not start with a product list; he starts with where you are. These are the kinds of help people most often come to Valley for.
Home loans
For buying a home to live in - upgrading, downsizing or relocating. Spencer compares loans from a panel of lenders against your deposit, income and plans, explains the trade-offs between fixed, variable and split structures, and manages the application through to settlement.
Refinancing
A loan that suited you five years ago may not suit you now. A refinance review looks at your current rate and structure, what else the market offers, and the real cost of switching - and if staying put is the better answer, that is the recommendation you will get.
First-home buyers
The first purchase is the one with the most unknowns: how much you can borrow, what a pre-approval really means, which government schemes you may be eligible for, and what happens between offer and settlement. Spencer walks first-home buyers through the whole sequence, in order, in plain language.
Investment lending
Lending for an investment property has its own considerations - loan structure, interest-only versus principal-and-interest, and how the new loan sits alongside your existing lending. Spencer arranges investment loans that support the strategy you and your advisers have set.
Acreage and lifestyle properties
A few acres out of town is assessed differently: land size, zoning, access and services all shape which lenders will consider the property and on what terms. Spencer helps you understand a property’s lending picture before you make an offer.