We assist our clients gain access to competitive interest rates.

As we are able to provide access to more than 20 lenders covering Residential, Commercial and Asset Finance.

WE HELP CLIENTS BY

Improving today’s cash flow.

Showing different strategies to pay off home loans much earlier.

Creating cash reserves within their mortgage to fund anticipated expenses.

Looking to get commercial and business lending with better rates and/or conditions.

Saving our clients at least 40 hours of research, by using our knowledge and completing the research for them.

Structuring loans to the client’s advantage, not the banks.

Planning ahead with clients, so that they are prepared for the higher cost years as highlighted below in the Four Financial Lifecycles that the majority of people will experience.

“My quality of life and the future of my young family is now secured...“ (Read more)

"My life would simply not be what it is today if it was not for Louise. I was a successful professional with a thriving practice before I was unable to work due to injury. You don't realise how vital a great advisor is until you have to try and navigate the complexity of an important insurance claim.

Throughout the process Louise was always empathetic and genuinely cared for my welfare, while she simultaneously represented my interests with professionalism and tenacity. The successful outcome of my claim was entirely down to her representation.

My quality of life and the future of my young family is now secured and it is all thanks to Louise and her team."

Dr. Michael Letters

“I am happy to personally vouch for the benefits of having Diarmid Mackiehan in one’s life.” (Read more)

In my professional and business life I have had many encounters within the financial and insurance world.

Diarmid first came in to my life by way of helping one of his other clients broker a partnership deal between three very different people.

I recognised Diarmid’s sense of fairness, his incredible ability to 'problem solve' and his ability to present and articulate workable solutions to complex problems.

He has an incredible ability to facilitate sensible decision-making, based on not only business common sense, but also upon quality of life.

Diarmid is perhaps the most altruistic and helpful person that I, or my family have ever had the good fortune to meet.

I recently attended a milestone celebration for Diarmid, and realised that I am one of many people who count Diarmid as a mentor and friend throughout this journey of life. I am happy to personally vouch for the benefits of having Diarmid Mackiehan in one’s life.

Dr. Bob Bourke

“Over the last forty years I have enjoyed a trusting relationship...” (Read more)

Over the last forty years I have enjoyed a trusting relationship with Diarmid Mackiehan. A relationship which is shrouded in strong family values and the importance of a good work/life balance.

I am fortunate to have Diarmid as a trusted adviser and friend

Dr. Chris O'Brien

THE FOUR FINANCIAL LIFECYCLES

Each cycle presents challenges and opportunities. Knowledge, Awareness and Understanding are the keys to manage financial issues in a timely way.

Like well-managed businesses, time needs to be spent on creating a written plan. By detailing your goals over the next 7 to 10-years and forecasting potential surpluses and shortfalls, ensures your goals are achievable in an acceptable time frame.

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“The Four Financial Lifecycles affect your borrowing capacity. We help you the whole way through your lending life.”

WHAT WE DO DIFFERENTLY TO BANKS

We provide clients with information in the form of:

Knowledge – on why managing home loans is important,
Understanding – why it’s important to plan in advance by addressing the Four Financial Lifecycles,
Awareness – being prepared for the “What If” and “At Worst” situations in unforeseen circumstances.

“We put our customer’s interest first, ahead of anyone else’s”

WE PUT A DOLLAR VALUE ON THE POTENTIAL SAVINGS AVAILABLE TO YOU.

The following are areas we explore with clients in the lead up to refinancing their loans and demonstrate the potential value to them.

The difference in interest rates in actual dollars over the short and long term.
The value in choosing Offset Facilities over Redraw arrangements.
The financial benefits of applying surplus saving against home loans compared to high interest savings interest returns.
The value of increasing the home loan to reduce the cash flow impact high credit card debt.

Term Life Insurance

Term Life Insurance provides a lump sum payment to your nominated beneficiaries (your spouse and/or children) when you die.

It can help your loved ones to:

Pay out any debts that you may have together (such as a mortgage),
Provide for the future needs of any children you have (such as schooling costs),
Provide a lump sum of money that your partner can invest and gain an income from.

Total & Permanent Disablement Insurance

Total and Permanent Disability (TPD) Insurance provides cover if you are totally and permanently disabled. Your insurer will define TPD as either when:

You cannot work again in any occupation, or
You cannot work in your usual occupation.

TPD insurance helps cover the costs of rehabilitation, debt repayments and the future cost of living.

Trauma Insurance

Trauma Insurance provides cover if you are diagnosed with a specified critical illness. These policies include the major illnesses that will make a significant impact on a person’s life, such as cancer or a stroke.

Trauma insurance pays a set amount. This can be used for things like:

Any private medical costs above your health insurance,
An income stream if you stop working,
The ongoing cost of any therapy and special transport costs,
Adjustments to housing and lifestyle changes,
Debt repayments.

Income Protection

Income Protection Insurance replaces the income lost through your inability to work due to injury or sickness. It is an important consideration for anyone who relies on an income. It is especially suitable for self-employed people, small business owners or professionals whose business relies heavily on their ability to work

Business Expense Protection Insurance

Business Expenses Insurance acts like a sort of Income Protection policy – but for your business. Like Income Protection, Business Expenses Insurance pays a monthly benefit to cover your fixed business overhead expenses if you are injured or ill and cannot work. The benefit generally lasts a maximum period of 12 months.

Rent, leases, some salaries, locums, accounting fees, loan interest, general insurances, telephones, internet, utilities and other eligible business expenses all need to be met to ensure the future of your business.

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WE ARE THERE WHEN YOU NEED US MOST

Good quality insurance advice is important; however, the ability of your Insurance Adviser to manage a claim is equally important.

Unlike Solicitors and other firms, who charge lucrative fees to manage claims, we do not charge fees for this service. We aim to minimize your concerns and assist with the insurance company’s requirements during this difficult time.

HOW MONEY WORKS

A happy and satisfying life depends on the achievement of a good balance between work and play. By understanding “How Money Works” will help you to establish the desired balance.

Business owners, professionals and families all need to have a good understanding of the Financial Lifecycles.

As Life Brokers and Members of the Financial Planning Association (FPA) of Australia Ltd, we would welcome the opportunity to meet with you.

CONTACT US

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THE FOUR FINANCIAL LIFECYCLES

Each cycle presents challenges and opportunities. Knowledge, Awareness and Understanding are the keys to manage financial issues in a timely way.

Like well-managed businesses, time needs to be spent on creating a written plan. By detailing your goals over the next 7 to 10-years and forecasting potential surpluses and shortfalls, ensures your goals are achievable in an acceptable time frame.

FREQUENTLY ASKED QUESTIONS

After so many years in business, we have a very good understanding of questions you would like answered. We have compiled a list of frequently asked questions.

Why use a Finance Broker?

A Finance Broker negotiates with several lenders to make sure you have a competitive interest rate and monitors your mortgage to ensure the loan maintains a competitive rate.

Why should I see a finance broker instead of going to the bank directly?

As we are self-employed, our loyalty is to our clients – whereas the bank employees loyalty has to be and is, to their employer and their future promotions.

We put our customer’s interest first, ahead of anyone else’s.

How much does a broker cost?

We are paid a referral fee, so there is no charge to you and a broker has access to multiple lenders, so we have the lenders compete for your business.

What’s in it for me?

You do not have to do the research of more than 20 lenders and their products. Saving you time in the vicinity of 40 plus hours.
You are in control and not the bank.
You gain access to commercial and business loans at highly competitive rates, potentially and possibly at home loan investment rates through using our services.
No matter what the loan amount obtaining a saving of;
- 0.25% on an interest rate equates to approximately 10% saving of the loan amount, over a 30 year term.
- 0.50% on an interest rate equates to approximately 20% saving of the loan amount, over a 30 year term.

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OUR ADVISORS

Philip Alexander

Philip has forged strong business relationships with his clients by helping them with property solutions and mortgage strategies. Working alongside Diarmid and Louise since 2009, Philip has strengthened his solid grounding in the property market and funds structuring. He spent several years living in London working in the financial sector and was able to gain an appreciation of the ever changing mortgage markets.

Philip is a committed and dedicated financial services professional, with experience in senior roles promoting investment and platform products. A significant benchmark of Philip’s career is his reputation among clients and colleagues as an extremely respected adviser who is dedicated to client service and personal delivery of their objectives. Philip proactively develops relationships with key account contacts to ensure clients are delivered with the outcomes and solutions to meet their needs.

Philip Alexander is a credit representative (Credit Representative Number 399144) of BLSSA Pty Ltd ACN 117 651 760 (Australian Credit Licence No. 391237).

CONTACT US

LIFE ADVISORS PROPERTY

Level 1, 160 Edward Street, Brisbane Qld 4000
GPO Box 2285, Brisbane Qld 4001
07 3188 6160

We assist our clients gain access to competitive interest rates.

As we are able to provide access to more than 20 lenders covering Residential, Commercial and Asset Finance.

WE HELP CLIENTS BY

“My quality of life and the future of my young family is now secured...“ (Read more)

“I am happy to personally vouch for the benefits of having Diarmid Mackiehan in one’s life.” (Read more)

“Over the last forty years I have enjoyed a trusting relationship...” (Read more)

THE FOUR FINANCIAL LIFECYCLES

WHAT WE DO DIFFERENTLY TO BANKS

WE PUT A DOLLAR VALUE ON THE POTENTIAL SAVINGS AVAILABLE TO YOU.

WE ARE THERE WHEN YOU NEED US MOST

HOW MONEY WORKS

THE FOUR FINANCIAL LIFECYCLES

FREQUENTLY ASKED QUESTIONS

OUR ADVISORS

Philip Alexander

CONTACT US

LIFE ADVISORS PROPERTY

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Please be advised you are now leaving the Life Advisors Property website.