“When I recently refinanced my home, I could hardly imagine the process would be so painless. My expectations were quite the contrary but John Kinross of Sydney Mortgage Practice proved me wrong.

A friend referred me to John when I was planning to buy my father’s stake in a Sydney apartment which we had bought in 1999. After living overseas for a few years, I had decided to buy him out, renovate and make it my new home.

To do so, I needed to refinance my existing mortgage and take on larger debt – an idea that I didn’t particularly relish.

But from when I first contacted John, he took the worry out of it. From after-hours meetings at home, to liaising with the banks and my solicitor, and keeping me updated on the progress with paperwork - John takes service to a new level.

Our first meeting was at my convenience, after work and at my place. He took time to understand my finances and what I wanted, he outlined possible options, and later, returned to help me complete the lengthy application forms.

He made things happen. He managed the application process with the banks, explained the legal terminology in the bank contracts, and kept me regularly informed of progress.

On the day of the transaction, I felt everything magically happened, without my stress or worry. And by the end of the process, instead of thinking I had gained a huge debt, I felt I had gained a friend in John.

I have no hesitation in recommending John Kinross of Sydney Mortgage Practice to anyone considering assistance with property finance. He’s professional and a good guy.”

Sarah M Hudson
Canning-Debelle Pty Ltd
Sydney, NSW.

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"This time last year, I was in quite a predicament. I had found my dream house on Sydney’s northern beaches, my bank had cleared the additional funds needed to purchase the house, so I put in a bid. Accepted, I was thrilled. Papers were signed. Days later, my bank decided they had made a mistake and would no longer be able to help. 7 years of loyal patronage meant nothing! What was I to do, I had bought a house, not sold my current house and was very worried.

Enter John Kinross. One meeting and a number of phone calls later, John had refinanced my existing home, organised funds to buy my new home and all this while dealing with a very anxious, nervous client. John was able to structure the finance to suit my needs and offered sound advice over and above what my previous lender would ever do. I work in Sales, so I understand the need for customer service, understanding and follow through. I was so very impressed with my dealings with John, the speed with which he dealt with my problem, the calmness with which he dealt with me and the genuine interest in my needs. I have since recommended John to everyone I come across. He is my secret weapon and one I’m only too happy to share.

Linda Baker
Avalon

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"We first met John about 10 years ago. He was recommended through my wife's Sister and her husband. They had engaged his company to get their financial affairs in order and had recommended John to us after he began looking after them.

I'm not a financial person by any means, although our income could be seen to be relatively high in comparison to others. In my opinion, we had made some poor investments and were a little gun-shy of making any other bad investments. Like some other professionals, I found that I'd rather let things roll along than take any more risks.

Our dilemma was that we had just bought our first house after years of renting and trying to save for a deposit. We had just had our third child. Among all of our other aspirations, we desired to send our children through private school. We also had a variety of other loans and commitments which were tying up our disposable income.

John had made an appointment with us, taken all of our details over a two hour period and went away to work on our case. We had detailed our goals and aspirations, our financial commitments and requirements over a couple of cups of coffee and a few laughs. John has the capability to instantly relax his clients and make them feel at ease. On a personal level, John could be classified as a dependable friend with a strong sense of humor. On a professional level, John sets and demands the highest standards from himself and the professionals that he deals with. He is extremely reliable and has often gone out of his way on weekends and after hours to make sure that everything runs smoothly.

John re-financed our first house and was constantly in touch with us over the next two years to make sure that we were still on track with our finances. We have since used John to help us reach our goal of knocking down our old house and building a new one. What seemed unobtainable has become reality.

John re-organized our finances once again to suit our new requirements and was of enormous assistance during the long and arduous process of building, all with a minimum of fuss. Because of my employment, I was (and still am) constantly away overseas and in this respect, the assistance that John provided in my absence in terms of liaising with the financial institution concerned enabled me to go away with confidence knowing that all financial requirements and appointments would be met. John has always carried out his duties in a dependable and no fuss manner. The plan would often change and John took all of this in his stride, re-organized our requirements and carried on, all with very little input required from us.

John is constantly on the alert, looking for more suitable Bank and financial packages that better suit our needs. In addition to this, he has structured our financial affairs in such a way that they are still trouble free and have worked effectively for us over the last 10 years, whilst at the same time maximizing our income. I have often called John for his financial advice and have always received frank and open advice on whether or not he thought the financial move was a good one.

I have recommended John to friends and work colleagues and still have no hesitation in recommending John Kinross to others interested in maximizing their income.

We now live in our new house. Two out of our three kids are now attending private school, with the third still to start. Our finances are still under control and in the near future we will be calling upon John again to discuss our next move. We wish him well for the future.

Dave Hawkins
Airline Captain

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"Being a first home buyer I recently needed assurance and comfort in finding the right home loan.  This meant advice from someone I could trust who was eager to fully understand my needs and someone who had a high level of insight into and knowledge of the mortgage market.  A very professional individual with all these qualities, John subsequently explained and delivered advice that suited my level of understanding and made the process of attaining finance seem simple.

John continues to work with me on an ongoing basis and we have just decided to fix some of my debt for 5 years to take advantage of a fantastic 5 year special fixed rate of 6.59%. He is now advising me on the in's and out's of buying a new car.  I am a loyal client of John’s and will be for a long time to come".

Mac Lydiard
Business Manager
Wentworth Travel

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“Having to refinance after changes in the property market, and having complex property ownership structures, Sydney Mortgage Practice offered fantastic advice and strategies that would work for us, which gave us the flexibility of choice to suit our situation.

I have referred a number of my friends, who, like me were after reliable advice regarding their financial situations. As I highly regard John’s advice, I had no hesitation in referring them to John.

The peace of mind that his advice gives, his professionalism and dedication to his clients are of the highest standard.”

Audra Godfrey
Cronulla

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“Just a short note of thanks to John Kinross (Sydney Mortgage Practice) for the great service he provided in obtaining my new home loan.

In his capacity as a mortgage broker, he quickly demonstrated his thorough knowledge of the industry by identifying suitable home loan products that met our needs. We then had the simple decision of selecting a provider.

During the finance application process, John kept us informed every step of the way from pre approval, through to valuation, receipt of the mortgage documentation and a pleasant congratulatory phone call upon settlement.

I was extremely impressed with John’s honesty and commitment to getting the most suitable finance solution for us, this has resulted in me referring numerous clients to John so that they can also benefit from John’s service.

John, in closing, keep up the good work and I wish yourself and Sydney Mortgage Practice every success in the future”.

Ray Salzmann
Camden

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"Hi John,I just wanted to take a moment to thank you for all your help. You really have delivered well and truly above our expectations. The whole process was very smooth and we found it reassuring to have your ongoing support throughout.I have dealt with other brokers in the past who seem very happy to leave you to your own devices as soon as you sign on the bottom line. It has been a very refreshing change to deal with some one as thorough and professional as you. I realise we did not make it easy giving you such a short turn around time with us needing to "seal the great deal" quickly before heading on an overseas holiday. Having you tie up the loose ends whilst we were away really was first class.We also appreciate you taking the time to understand our situation and finding the right loan product for us, making choosing the actual loan easy.I will be recommending you to everyone I know considering refinancing or purchasing a property as it is the least we can do. We really couldn't be happier.Thanks so much."
Simon and Sarah Rhead Adelaide, South Australia

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