Mortgage Broker Barossa Valley

Mortgage Broker Barossa Valley

I am a mortgage broker for the Barossa Valley.  The Barossa Valley is a famous wine-producing area of South Australia and over 150 wineries and 80 “Cellar Doors”.  The Barossa Valley (named by Colonel Light after the Battle of Barrosa / Barosa  when the British defeated the French in 1811, but misspelt on registration), is approximately 13 kilometres long and 14 kilometres wide.  The Barossa Valley is formed by the North Para River and the main road through the Barossa Valley is the Barossa Valley Way.  The main towns in the Barossa Valley are Nuriootpa, the commercial centre with the larger shops, having a mix of German and British immigrants, Tanunda the most German in origin, Rowland Flat and Lyndoch.   Tanunda and Angaston , with mainly British influence as it was first populated by Cornish miners and others from the British Isles, are the more tourist-focused towns in the Barossa Valley.

  • Distance from Barossa Valley to Adelaide Central Business District is approximately 56  kilometres (35 miles)
  • The total population of Barossa Valley is approximately 23,000
  • Over 7% of the population of Barossa Valley were born in the UK
  • Most people in Barossa Valley, over 84%, were born in Australia
  • Ancestors of people in Barossa Valley were mostly from the UK – 40+%
  • Ancestors of people in Barossa Valley from Germany is roughly 23%
  • Median house price for Barossa Valley(2013) is uncertain / unobtainable
  • % of properties in Barossa Valley owned outright is unavailable
  • % of properties in Barossa Valley rented is unavailable

I am a mobile mortgage broker which means I can come to see you at your home or place of work at a time convenient to you.  I help my clients achieve their property and financial goals with the minimum of effort on their part.  I am an authorised Credit Representative, I hold a Diploma in Finance and Mortgage Broking Management (Dip. FM/BM) and I am member of the Mortgage and Finance Association of Australia (MFAA) and Credit Ombudsman Service Ltd. (COSL).

I can provide finance solutions not just for home loans but also for Plant and Equipment plus Motor Vehicle finance for business and personal use, for farm vehicles, farm equipment and farm machinery such as tractors and baling machines and for solar panels amongst other things.

I have been arranging business and personal finance for over 25 years.  As a father of four I am only too aware of how difficult it can be for both partners to find time to visit a mortgage broker plus the travelling time which is why I am happy to come to you, be that your home or your place of work.

There are many different types of home and other loans available and I have explained a little about some of them here:

Types of Home Loans in Australia

As a mortgage broker Barossa Valley I can arrange 100% Offset Loans, All In One Loans, Bridging Loans, Capped Rate Loans, Construction Loans, Fixed Rate Loans, Introductory Rate / Honeymoon Loans, Line of Credit or Equity Line Loans, Low Doc Loans, Professional Packages, Reverse Mortgages, Split Loans, Variable Rate Loans, Basic and Standard Variable, Vendor Financing

If any of these different types of loans in Australia is / are of interest and you live in BAROSSA VALLEY (or any Adelaide suburb for that matter) then please call Vincent Woodall NOW on 0451 596 575 or send an email to vincentwoodall@home-loans-adelaide.com

 Construction Loans

You may have decided that you would like to live in a brand new house in BAROSSA VALLEY and take advantage of the First Home Owner’s Grant and Construction Grant to help you to do so.  You will need to arrange a construction loan before signing a contract to build.

Alternatively construction home loans are ideal if you wish to add rooms to your current home in BAROSSA VALLEY rather than move home, or you may simply want to make structural repairs or renovations or to demolish your current home in BAROSSA VALLEY and rebuild a new home.  Whatever the case may be, if constructions loans are of interest call Vincent Woodall on 0451 596 575 or send an email to vincentwoodall@home-loans-adelaide.com

Investment Property Loans

If the purchase of an investment property is not a buyer’s first property purchase then it will most often be purchased by using the equity in their existing home or “Principal Place of Residence” (PPOR).  Ideally you will be able to pay a 20% deposit on your investment property in BAROSSA VALLEY, (plus be able to cover fees and charges of approximately 5%), thereby avoiding the necessity to pay Lender’s Mortgage Insurance (LMI).  If you would like to know how best to go about buying your first or next investment property in BAROSSA VALLEY and obtaining investment property loans call Vincent Woodall, mortgage broker Barossa Valley, NOW on 0451 596 575 or send an email to vincentwoodall@home-loans-adelaide.com

Refinance Home Loan

There are a number of reasons why someone might choose to refinance their existing home loan in BAROSSA VALLEY.  You may wish to switch lenders to enjoy a lower interest rate, to take advantage of offers of up to $1,250 for switching, to get a better loan package with a 100% offset account and direct salary credits, credit card linked to your mortgage account, to take advantage of a low fixed interest rate and so forth.

You may wish to raise cash to buy your first investment property in BAROSSA VALLEY or add to your existing property portfolio.  You may have decided it is time to buy yourself a 4-wheel drive vehicle, buy a boat or go on a foreign holiday.  Maybe you have an upcoming wedding in the family you would like to finance.  Whatever the reason, if it means a refinance of your home loan call Vincent Woodall NOW on 0451 596 575 or send an email to vincentwoodall@home-loans-adelaide.com

Pre-Approved Home Loans

Home loans can be agreed in principal BEFORE you even find a home in BAROSSA VALLEY that you wish to purchase.  This lets you know for sure whether you can afford to buy the property you set your heart on and it lets the Real Estate Agent know you are a serious purchaser.  It can even secure a property when the vendor does not want to wait to see if other potential buyers can raise the money.  You can tell the Real Estate Agent that your offer needs to be accepted within a certain time-frame or you will withdraw your offer.  The vendor may well think along the lines of “a bird in the hand” and accept your offer quickly.  You on the other hand, have two business days’ cooling off period.  This period starts when the vendor’s statement was received or the date the contract of sale was signed by both parties, whichever is the later.  You would also probably want to make your offer “subject to satisfactory building inspection report” or words to that effect.  If you would like to know more about pre-approved home loans for property in BAROSSA VALLEY call Vincent Woodall NOW on 0451 596 575 or send an email to vincentwoodall@home-loans-adelaide.com

Self-Employed Home Loans

It may be a lot simpler to arrange self-employed home loans in BAROSSA VALLEY than you think.  Depending on what percentage of a property’s value you wish to borrow, some lenders may only ask you and your accountant to declare your income and they will agree to a loan.  Every case is different but usually the process is more straightforward than you think.  If you are interested in self-employed home loans in BAROSSA VALLEY call Vincent Woodall NOW on 0451 596 575 or send an email to vincentwoodall@home-loans-adelaide.com

Bridging Loans

There are a number of lenders who offer bridging loans but some bridging loans leave a lot to be desired.

Bridging loans allow you to purchase a new home before selling your existing home in BAROSSA VALLEY.  Rather than need to make two sets of loan repayments whilst you are trying to sell your current home, no repayments are needed on the new home loan during the go-between period.  You can borrow up to 85% for standard loans or 80% for low doc loans (including the capitalised interest).  Interest can be capitalised for up to a maximum of 6 months.  Serviceability or affordability is assessed on the end-debt only with one particular lender.  If you are looking at bridging loans for BAROSSA VALLEY call Vincent Woodall NOW on 0451 596 575 or send an email to vincentwoodall@home-loans-adelaide.com

Debt Consolidation Loans

If you own a property in BAROSSA VALLEY and the outstanding balance of the loan or mortgage is less than the value of the property then the difference is known as equity.  If you have sufficient equity in your home you can refinance your existing loan or simply top it up to pay off other debts such as credit or store cards, vehicle loans, an overdraft or personal loan that may be at a higher rate than you can currently obtain in the loan market.  This can reduce your outgoings to a manageable level.  If you are not able to refinance all of your current debts you can pay the more expensive loans off quicker out of the savings of the ones you are able to refinance.  The most important thing to bear in mind for debt consolidation loans is to NOT leave it too late and get a bad credit record.  This would make it more difficult to arrange debt consolidation loans.  If you are interested in knowing more about debt consolidation loans in BAROSSA VALLEY act NOW.  Call Vincent Woodall on 0451 596 575 or send an email to vincentwoodall@home-loans-adelaide.com

Mortgages for First Home Buyers

I am able to offer you help not just in financing your first home in BAROSSA VALLEY, but also in finding it and to possibly get a discount from the asking price.  I subscribe to RPData which is the software Real Estate Agents use:

Australia’s most popular property reports by   myrpdata.com.au
“Every day we draw insight from   Australia’s most comprehensive, up to date property data. It’s what helps   more banks, real estate agents and everyday people make better decisions than   anyone else.”

RPData are happy for me to provide FREE reports on properties by entire suburb or on an individual property basis.  Find out not only how long a property has been up for sale in BAROSSA VALLEY, but what it sold for last time it was on the market and by how much, if anything, the price has been reduced this time on the market.  You could save yourself thousands of dollars as some of my previous clients have found.  For your FREE RPData report(s) or to learn more about mortgages for first home buyers call Vincent Woodall NOW on 0451 596 575 or send an email to vincentwoodall@outlook.com

Request a free appointment at a time and place convenient for you. Call Vincent Woodall, mortgage broker Barossa Valley,  NOW on 0451 596 575 or send me an email using the enquiry form below.




Please remember:

I am a mortgage broker for the Barossa Valley and I am –

  • Fully accredited by the Mortgage & Finance Association of Australia
  • Fully qualified with the Diploma of Finance and Mortgage Broking Management
  • Plus I have satisfied stringent financial and criminal record background checks.

Find a home loan with someone you can trust and who will ensure you’re getting the right home loan for you.  Call Vincent Woodall on 0451 596 575 or alternatively send me an email to vincentwoodall@outlook.com .  Home Loans Adelaide is a “work in progress” as I will be adding to it on at least a weekly basis, if not two or three times a week.