Chi was fantastic to deal with when refinancing my home loans. She was outstanding when giving advice and ideas on how to pass the bank’s lending criteria and serviceability criteria. Her tenacity and hard work and ability to think outside the box saw her speak to several different banks on my behalf before successfully finding a bank called “ChoiceLend” that was a perfect match for my circumstance and goals that I wanted to achieve, while at the same time securing me a very competitive variable interest rate of 2.09% owner occupier loan and 2.39% investment loan.

I also recommended Chi to my parents who were wanting to refinance to another bank but were having difficulties due to being self employed and Chi managed to find a non-bank lender called “RedZed” who specialised in giving loans to self employed people and were able to use common sense when looking at my parents situation on its own merits and were very understanding of self employed people’s circumstances. My parents were happy with the way Chi handled the whole process from start to finish.

Chi has a insightful appreciation of customer needs where she seeks to understand your circumstances and goals before making any recommendation on which bank to go with. Chi made it easy to understand the concepts discussed during the refinance process by clearly articulating how lending criterias/policies differ from one bank to another and that there is always a bank out there willing to accept your application and circumstance.

Chi definitely exceed my expectations and i highly recommend Chi to anyone wanting to refinance or obtain finance to purchase a home.

One of the best Mortgage brokers in Adelaide. Chi Pham has been helping me with my mortgages for many years. Thank you Chi.