About Mortgage Saviour
Mortgage Saviour was born out of the desire by the founder and CEO Vincent Scali to be impartial.
In today’s corporate world there are many Mortgage Providers that are owned by large corporations. For Example AUSSIE HOME LOANS is owned by COMMONWEALTH BANK.
MORTGAGE CHOICE and SMARTLINE is now under the direct control of REALESTATE.COM.AU which is MAJORITY OWNED BY NEWS CORP.
They operate on a franchise system. Franchisees have to pay them a franchise fee for every transaction.
Vincent believes that they can be compromised to pushing products that have higher margins.
We at MORTGAGE SAVIOUR are committed to remain independent. Our sole purpose is to marry our clients to the best deal that suits them.
Our mission
OUR MISSION IS TO GET YOU MORTGAGE FREE AS SOON AS POSSIBLE.
DID YOU KNOW THAT MANY RETIREES STILL HAVE SUBSTANTIAL MORTGAGES UPON RETIREMENT?
THEY FACE A CONUNDRUM.
USE THEIR SUPERANNUATION AND REDUCE THEIR INCOME AND LIFESTYLE.
OR SELL THEIR HOME OF MANY YEARS, IN WHICH THEY RAISED THEIR CHILDREN IN THE NEIGHBOURHOOD THAT IS FAMILIAR TO THEM. OR, LEAVE THEIR NEIGHBOURS AND FRIENDS AND CLUBS WHICH HAVE BEEN A MAJOR SOCIAL PART OF THEIR LIVES AND MOVE TO AN UNKNOWN NEIGHBOURHOOD, WHICH CAN CAUSE STRESS AND ANGST.
Here is the proof,
More Australians are retiring with a big mortgage. Should they use superannuation to pay it off?
A 2018 Grattan Institute report came up with a similar trajectory: in 1995 72 per cent of Australians aged 55-64, the years prior to retirement, owned their home outright. In 2015-16 – the most recent figures available – this figure had fallen to 42 per cent.
That leaves more 60 and 70-somethings with mortgage commitments.
Credit Card Debt.
HAVE YOU A CREDIT CARD DEBT AND PAYING AROUND 18% ON THE OUTSTANDING BALANCE.
THIS IS CHOKING YOU. THEN LET US GET YOU OFF THE ROUNDABOUT.
WE HAVE SEVERAL BANKS ON OUR BOOKS THAT OFFER INTEREST FREE FOR UP TO 30 MONTHS.
WE CAN SAVE YOU THOUSANDS DURING THE TIME YOU WOULD BE ABLE TO PAY THEM OFF.
GIVE US A CONFIDENTIAL PHONE CALL.
BAD CREDIT.
DURING THE LAST 2 YEARS BECAUSE OF COVID MANY HAVE HAD THEIR INCOME REDUCED DRAMATICALLY CAUSING UNDUE HARDSHIP. DUE TO THESE CIRCUMSTANCES, YOU MIGHT HAVE BEEN IN A FINANCIALLY DIRE SITUATION
THIS HAS RESULTED IN LATE PAYMENT OR EVEN DEFAULT.
HOWEVER, THE CREDIT REPORTING BUREAUS STILL HAVE YOUR HISTORY WITH DEFAULTS. THEY ARE LISTED FOR SEVERAL YEARS WHERE LENDERS HAVE ACCESS TO THIS INFORMATION.
IN MOST CASES WE HAVE SUCCESSFULLY RESTORED THEIR CREDIT WORTHINESS AND ENABLED THEM TO GET A MORTGAGE.
Mortgage and Finance Association of Australia (MFAA)
The Mortgage and Finance Association of Australia (MFAA), founded in 1980, serves as the leading professional body for mortgage brokers, finance professionals, and aggregators nationwide. Representing over 15,000 members, it promotes high industry standards through advocacy, education, and business resources, ensuring compliance with financial regulations and consumer trust.
MFAA members follow a strict Code of Practice, benefiting from mentoring, networking opportunities, and professional development programs like CPD. The association encourages sustainable practices and innovation, empowering brokers to deliver competitive financial solutions. Through advocacy initiatives, the MFAA supports positive financial outcomes for Australians and fosters industry growth.
Australian Financial Complaints Authority (AFCA)
The Australian Financial Complaints Authority (AFCA) provides free, independent resolution services for financial disputes involving products such as credit, loans, insurance, and superannuation. It offers an accessible alternative to courts, helping consumers and small businesses resolve complaints through informal negotiation, conciliation, or binding determinations when necessary.
AFCA emphasizes fairness and transparency, prioritizing cases involving financial hardship and ensuring firms comply with binding decisions when accepted by complainants. As a not-for-profit organization, AFCA focuses on accessible services and guidance, supporting individuals throughout the resolution process with practical tools and resources.
