Broker Codex

Nathan McArdle

Blue Guide Finance

With a nursing background I get how hard it is to get ahead and escape the rat race of working antisocial hours, overtime, missing important family moments and still feel like you are just treading water. I help the everyday aussie get control and help them source finance to meet their goals.

I'm Nathan McArdle, I started Blue Guide Finance after realising just how many people struggle to get the right type of finance. As an immigrant who arrived in Australia in February 2022, I found it challenging to understand all the different policies around finance and visas added another layer of complexity. As a nurse I thought getting a loan should be easy as there are many lenders that want to lend to healthcare staff. I did the obvious thing, I talked to some lenders and brokers, got confused and ended up maxing out my borrowing capacity long before I achieved my goals. I learned how to fix this and want to help others avoid similar mistakes. I made it my mission to understand the game of finance; and then use that knowledge to help the everyday aussie get the right loan product at the right time. I work across a wide panel of bank and non bank lenders to find solutions for you. Its my job to do the legwork researching policy, understanding your situation and negotiating interest rates etc to make your life easier by presenting solutions tailored to you and your circumstances. I break jargon down into simple terms so anyone can understand. My goal is to simplify the complex and help anyone buy their first home or structure a portfolio of investment properties without needing a PHD to understand what lenders mean in their product disclosure statements. Il do this with a smile on my face and guide you through the process :)
  • Medical Professionals
  • First Home Buyers
  • Investment Property
  • Refinancing
  • Bridging Finance

Melbourne, VIC

Qualifications

  • Diploma of finance and mortgage broking management
  • Certificate IV in finance and mortgage broking

Memberships

  • MFAA 825276
  • AFCA 124274
  • ASIC CRN 580670
  • AHPRA registered nurse.

Credit Representative: 580670

Verified by Codex

Why work with you instead of going direct to the bank?
If you approach one bank they can offer only the products that they have available and they will try make your situation fit their criteria. It can be like fitting a round peg into a square hole, your circumstances might fit their criteria but the gaps might mean you pay a higher interest rate or fees than you need to. I have a wide panel of bank and non-bank lenders and I search their policies to find the one that best meets your needs to achieve your goals. I handle the comparing, negotiating and follow up on your behalf to save you the time and stress.
Should I approach my bank and ask for an interest rate reduction before I start to refinance?
Yes. It's always better to ask your current lender to reduce the interest rate you are paying in the first instance as this usually just a quick phone call to see what rate reductions they can offer. Refinancing has fees to discharge your current loan and set up a new one which need to be taken into account before you decide to change lenders.
Where in Australia do you work?
I am based in Melbourne but I can work with clients anywhere in Australia. Our communication occurs via phone, video and secure document upload which means you don't need to worry about traffic or the weather and we can communicate from the comfort of your own home.