Scott Ayles

With over 30 years of experience in the banking and finance industry, including 15 years in finance broking, Scott has a unique insight into the intricacies of residential finance.

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About Scott

Scott is a Lending Specialist at Insight Advisory Group and heads our Finance and Loans division. He has over 30 years of experience in the banking and finance industry, including 15 years in finance broking, which has provided him with a unique insight into the intricacies of residential finance.

Scott also holds a diploma in Financial Services (Finance/Mortgage Broking) and is fully accredited with the Mortgage and Finance Association of Australia.

Scott is committed to working with clients to help them achieve their property investment goals, whether it involves their first purchase or their tenth. As mistakes can be expensive, he always aim to fully understand both the current and future needs of his clients in order to deliver the right options from the outset.

Scott’s experience enables him to work through complex residential finance structures and find creative solutions that others would miss.

Scott will find the right loan for you and you alone. He can help you with any of the following finance and loan requirements:

 

  • Home Loans
  • Refinancing
  • Debt Consolidation
  • SMSF Loans
  • Business Loans
  • Vehicle Loans
  • Asset Finance

    Explore the specialities that Scott can assist you with or get in touch to discuss your needs in more detail.

    Mortgage Broking

    Exploring your options is key to choosing the loan that is right for you

    Refinancing

    Reviewing your refinancing options could help you find a fairer deal

    Loan Reviews

    Get the right finance for the right reasons and your unique situation

    Debt Consolidation

    Bring all of your payments together to simplify and reduce your debts

    Let’s Work Together

    Financial freedom is something that needs to be worked on consistently, we will assist you, your family and your business on this journey.

    Do I have to pay a fee?

    Our service is predominantly complimentary as Insight Finance Consultants are paid by the lenders for bringing the clients to them.

    As with any loan or property fees, our Finance Consultants go to great lengths to ensure that you have a full understanding of the costs of borrowing funds and wherever possible try to reduce those costs. This ensures that you not only get great service but also save you money!

    On occasion, in specific circumstances, we do charge a fee for service. If this is the case, we will discuss this with you and the fee will be agreed upon prior to commencing any work or negotiations on your behalf.

    Why should I use a broker?

    As of January 2019, brokers settled 59.1% of residential home loans in Australia, according to market share data sourced by the MFAA. Why do so many Australians use one?

    • They can help pair a consumer with a home loan product and lender to best meet their needs
    • They can be a valuable source of education and advice for consumers who need to navigate the often-overwhelming complexities of the home loan process
    • They have the potential to introduce customers to more affordable products in some circumstances, on account of their reading of the market; they can also empower customers to bargain more confidently with lenders

    In the majority of cases, a consumer’s access to a broker service is free of charge.

    How much should I borrow?

    There’s often a difference between how much you can borrow and how much you should borrow.

    A mortgage broker is required to make sure that they arrange a loan that suits your current and future financial circumstances, rather than simply encouraging you to borrow as much as possible.

    They will also factor in your ability to repay your loan if interest rates rise.

    What type of loan should I go with? – Fixed, Variable or Both

    Fixed rate, variable and split home loans all have their own benefits but also considerations you’ll need to take into account.

    So how do you work out which is right for you?

    When you take out a home loan, you usually have the choice of fixing your interest rate, taking out a variable interest rate or even combining the two into a split rate loan.

    Choosing which one could be right for you comes down to weighing up which you value more in your home loan: flexibility or stability, or whether you’d like a little of both.

    What is a pre-approval and how long does it last?

    A pre-approval gives you an indication of the maximum amount you can borrow. By getting your pre-approval you have the power to negotiate with confidence.

    Pre-approvals are usually valid from between three to six months. If your pre-approval expires before you find a property then we can generally apply for an extension.

    I’m dedicated to finding you a fairer deal

    Client Testimonials

    “I asked Scott Ayles to review my personal home mortgage. Scott was able to arrange for my variable interest rate to be reduced from 4.05% to 3.90%. That is a fantastic outcome for myself and I am very happy I asked the question.”

    Scott Curren

    Refinancing

    “Scott’s personal focus and proactive nature made the loan experience quite painless.”

    Jamie Huthwaite

    Home Loan

    “Knowledgeable, approachable, pragmatic – most of all, he listened to what we wanted and was prepared with options and all relevant information.”

    Michael

    Refinancing

    Contact Scott

    Contact Information

    Level 1, 1109 Hay Street
    WEST PERTH  WA  6005

    PO Box 1595
    WEST PERTH  WA  6872

    +618 6315 2700

    scott.ayles@insightperth.com

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    Authorised Credit Representative of IFBA Pty Ltd.  Australian Credit Licence 391682.
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