About Us
Emilio has gathered an extensive knowledge base throughout his working career – starting in the finance industry in 2000 as a financial planner. Emilio realised that his passion was helping clients with their property finance needs where he applies an approach to educate and inform and always puts his clients best interest first.
Professionalism and best practice are values long advocated by Emilio. He has a distinctive edge when assisting his client and aspires to make a difference by providing the ultimate finance experience.
In his downtime, Emilio likes to spend time with his wife Kate and their 3 sons, catch up with family & hang-out with his mates. Emilio also enjoys playing tennis and chilling out watching TV – particularly sports, documentaries, TV series and movies.
Emilio Merchan is a credit representative (395082) of BLSSA Pty Ltd ACN 117 651 760 (Australian Credit Licence 391237).
Broker Group
Emilio is a member of Choice Aggregation Services. Founded in 1997, Choice has grown to become one of Australia’s largest and most respected finance broking operations. Choice is a member of the NAB group and enjoys an industry-wide reputation for quality and trustworthiness. Choice has access to an extensive lender panel and affiliates giving its members thousands of options so they can deliver the most competitive solutions to benefit clients.
Services
Property Purchase
Property Purchase
Motor Vehicle Purchase
Motor Vehicle Purchase
Home Improvement
Home Improvement
Debt Consolidation
Debt Consolidation
Refinancing
Refinancing
Business Finance
Business Finance
Other Services
Other Services
Have any Questions?
Please have a read through our FAQ’s and see if you can find what you’re looking for.
If you can’t find what you’re looking for, please give us a call and we would be more than happy to clear up any questions you may currently have.
It’s easy. You can apply for finance using our online software. To apply online for a home loan, you’ll need to confirm details including objectives, loan requirements, employment, income, living expenses, assets & liabilities. You will also need to upload documents to confirm your income, living expenses, assets (what you own), liabilities (what you owe) and your identification. Once we’ve checked everything’s in order, we’ll complete your credit assessment and organise an advice meeting with Emilio to discuss the results and the next step with your finance application process.
Loan to Value Ratio (LVR) is how lenders describe the amount you need to borrow to buy a particular property. In a nutshell: it’s the amount you need to borrow, calculated as a percentage of the property’s ‘lender-assessed value’. The ‘lender-assessed value’ is basically your lender’s valuation of the property. Let’s break it down a bit more. Here’s an example:
Let’s say your lender values the property at $500,000.
Let’s also say you have a $100,000 deposit.
This means you need to borrow $400,000 to buy the property.
Your LVR will be 80% – calculated like this: $400,000 ÷ $500,000 = 80%
