Having worked for a major Australian bank for a number of years, Raul became disappointed about not being able to help Australians who didn’t quite meet standard lending policy.
Listening to many customer stories during his career, he has long recognised that life can be challenging and can throw unexpected curve balls.
Since becoming a mortgage broker, Raul has been able to help many people who wouldn’t normally qualify for a mortgage.
- First home buyers (FHBs).
- Guarantor loans.
- Self-employed borrowers (low doc and no doc).
- Low deposit loans.
- Investment loans.
- Construction loans.
- Non-residents and Australian expats.
- Credit impaired customers facing defaults, judgments and discharged bankruptcy.
Throughout his career, Raul has met many customers with many different life stories.
He began his financial services career in 2012 with the National Australia Bank (NAB) in a customer service role.
From the front line helping everyday Australians, he later moved into sales in personal lending and then mortgage lending.
His most recent role as senior lending manager saw him further develop his skills in credit as well as build strong relationships with his local community.
Despite his passion for his customers, his major disappointment was not being able to help them achieve their financial goals when they were experiencing tough times, usually through no fault of their own.
Since becoming a mortgage broker with Home Loan Experts, he has been on path to find the right home loan solutions for Australians nation-wide, free of the constraints of the lending policies of just one bank.
Want to join our team as a mortgage broker?
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Please send through your resume through to email@example.com.
- Bachelor’s Degree in Business and Commerce.
- Diploma of Finance and Mortgage Broking Management.
- Certificate IV in Finance and Mortgage Broking.
- Diploma of Business and Commerce.
- Certificate IV of Business and Commerce.
Sydney, NSW, AU
My wife and I are very thankful to Raul for making this process painless whilst offering us the best options for the loan. He was very knowledgable in his products, efficient and made sure we were at ease and understood each step of the process. We'd also like to thank Isha for the constant communication so we were always kept up to date in the progress of our application. Would definitely recommend to friends and family.
Sydney, NSW, AU
We are extremely happy with the services provided by the team of Raul Malate, Anil Joshi and Shovana Chamling. Our loan application has not been very smooth sailing because of unforeseen circumstances but thanks to Raul who went out of his way to ensure that everything goes well in our loan application. As for Shovana, she is very prompt in attending to all our requests. I will not hesitate to recommend Home Loan Experts to anyone looking for a home loan broker.