Aaron Whybrow helps clients map out financial goals like buying a home or investment properties using serviceability calculators and regular plan reviews. He arranges loans strategically rather than letting clients accept whatever a bank offers, and updates their roadmap as circumstances change.
Hey, it's Aaron from Diagnostics and Finance. What do your financial goals mean to you? What do the financial goals that you explain to me as a diagnostics and finance broker mean to me to you for your future? So you come to me to buy your own place and you have a goal that you want to save money, pay down your mortgage and look to buy another property in the future. You have some other money saved up, an inheritance, something else coming down the line, and you want to know whether you can afford not only your immediate purchase of your own property, for example, but you want to buy an investment property down the track. What I'm going to do for you is I'm going to pull out a couple of different serviceability calculators in addition to my one that's needed for compliance to be able to service you not only for this debt now, but for the next one and the next one. And I'm going to be there to review that. Along the way, some calculators change and behind the scenes I can download that next calculator and update that periodically in your file. One of the problems that comes into this is if your goals come in, you want to buy another investment property and we put you in your mortgage and that mortgage provider offers you a credit card, a personal loan, a car loan, and you take it up. When you take that up, it changes all the numbers that I've done for your goals. So we need to have a conversation about that, but we also probably should have a conversation about reminding you and talking about what your goals were. If your goals were to buy another property but your car blew up and the only way you could get your car fixed to be able to earn your income was to get a car loan that's absolutely perfectly normal, let alone I can help you with that car loan too. And I would have that on my book and it makes my calculators easier to update for you. So think about your diagnostics and finance broker as your, your person on your side to be able to look at multiple calculators to achieve your goals over the future. Plus, I can help you with the car loan and the personal loan and all those nice things as well. Otherwise, if you go straight to the bank and you grab all these products that they offer you, whether you need them or not, they're order takers. They're taking your order of what you need and going from there. Sometimes we just need that one little question that will slow us down. What is our goal and how can we achieve it and can we do it differently. All right. It's Aaron from Diagnostic Finance. Have a great day.
