Brad Spanner at a national conference for Australian mortgage brokers in Queenstown, New Zealand, 2014.
Top of the Range Home Loans is a local business that was established in September, 2002.
Brad Spanner is an accredited mortgage broker and is a member of the Mortgage and Finance Association of Australia, the Credit Ombudsman Service and Plan Australia. He has completed a Diploma of Financial Services (Finance/Mortgage Broking management), Certificate IV in Financial Services (Finance/Mortgage Broking) and a Bachelor of Arts degree through USQ.
Brad is a local sporting identity, having represented Toowoomba, Queensland Country and Australian Country cricket sides. He is a life member of the Northern Brothers Diggers Cricket Club and now coaches under-age cricket sides and at local schools.
Brad is passionate about his business and enjoys all aspects of mortgage broking, from dealing with first home-buyers to investors.
It is his job to find a home loan to suit your needs – whether you are buying your first home or you are an investor looking to increase your portfolio. Brad is there to help.
Here are three facts that Brad believes a lot of home-buyers do not know:
Not all banks are the same. Banks have different lending policies that affect how much you can borrow. You may find that Heritage Bank may lend you $200,000 and the National Australia Bank could lend you $230,000. It pays to check your borrowing capacity.
You do not need to have genuine savings to get a loan.
Casual employees and workers on probation are still eligible to get finance.
*Brad Spanner is a credit representative (Credit Representative number 398859 of BLSSA Pty Ltd (Australian Credit Licence No. 391237)
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Brad Spanner with the great Wally Lewis after a bank information morning in Brisbane