Richard Cohen
Mortgage Broker
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About
Richard Cohen is a highly experienced mortgage broker at Sum Finance, serving clients in Double Bay, NSW, and across Australia. With over 12 years in the banking industry, Richard is well-equipped to navigate the complexities of the lending landscape and find the most suitable loan options for your individual needs. He prides himself on providing personalized service and expert guidance to help you achieve your property ownership dreams, whether you're a first-time buyer or seasoned investor. Richard's expertise lies in simplifying the loan application process and providing clarity on often confusing concepts such as loan to value ratio (LVR), lenders mortgage insurance (LMI), and the differences between fixed and variable interest rate loans. He takes a comprehensive approach, carefully assessing your borrowing capacity, reviewing your financial situation, and explaining options like offset accounts and accessing home equity. He assists a diverse range of clients, including first home buyers and property investors, ensuring everyone receives tailored advice. Richard can assist with: • First Home Buyers • Investment Properties • Refinancing • Loan Pre-Approval • Property Acquisition • Financial Assessment At Sum Finance, Richard Cohen is dedicated to helping you make informed decisions and secure the financing you need to achieve your property goals. Contact Richard today for a confidential consultation to discuss your financial situation and explore your lending options.
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Frequently Asked Questions
How can Richard Cohen at Sum Finance help me with my first home purchase in Double Bay?
Richard Cohen specializes in assisting first home buyers in Double Bay and surrounding areas. He provides guidance through the entire process, from pre-approval to understanding loan options and navigating government incentives, ensuring a smooth and stress-free experience.
What types of investment property loans does Richard Cohen at Sum Finance offer?
Richard Cohen has extensive experience in assisting property investors. He can help you find the right loan for your investment strategy, whether you're looking to purchase a new property, refinance an existing investment loan, or expand your portfolio.
Can Richard Cohen at Sum Finance help me refinance my existing home loan?
Yes, Richard can assess your current home loan and compare it with other options available from various lenders. He can help you determine if refinancing is the right choice for you and guide you through the application process.
What is the process of getting pre-approved for a loan with Richard Cohen at Sum Finance?
Richard will assess your financial situation, including your income, expenses, and credit history, to determine your borrowing capacity. He will then guide you through the pre-approval process, giving you a clear understanding of how much you can borrow before you start looking for a property.
Does Richard Cohen at Sum Finance offer assistance with understanding loan to value ratio (LVR) and lenders mortgage insurance (LMI)?
Absolutely. Richard Cohen takes the time to explain complex concepts like LVR and LMI, ensuring you fully understand the implications for your loan and can make informed decisions. He can also help you explore options to minimize or avoid LMI where possible.
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