SAM POLIZZI

Mortgage Broker

0430 344 927
03 9448 8363
sam@margin.com.au
49 Homer St, Moonee Ponds Vic 3039

Sam Polizzi is a Mortgage Broker who joined the Margin Finance team with great insight and understanding of the industry. After working in real estate and financial planning, Sam decided to explore his passion for property and finance a little more deeply and step into the world of Mortgage Brokering.

The satisfaction of helping clients achieve their property goals, combined with critical thinking to help get complex deals over the line and approved, is what Sam enjoys most as a Finance Broker.

Having completed his Diploma in Finance and Mortgage Broking Management (in addition to his Diploma in Financial Planning), we cannot wait to see his future unfold!

Book Appointment

A margin exceeding the means of others

Daniel Raiti

Damian was a pleasure to work with. We havent had luck trying to find a broker that listened to us and catered to our needs. Damian listened and coached us through the process and gave us different options for any situation we may have faced. While we didnt go with Damian and the team at Margin they will be my first go to for future home leanding needs and cant wait to work with you again in the future. Thanks

Tony Perre

Smooth, easy and quick process with Margin finance great communication with Damien that organised our refinance he was fantastic can’t recommend him highly enough

Jackie Jackie

Huge credit to Damian and Andrew at Margin Finance for pulling off what felt like a miracle and getting our loan and settlement across the line! This was a very last-minute, hold-your-breath, please-save-us kind of situation — and they absolutely delivered. They worked late, answered our endless questions, and handled our panic messages like absolute champions. We genuinely couldn’t have gotten this deal over the line without them. If you need brokers who are calm, dedicated, unshakeable — and willing to deal with clients like us — Damian and Andrew are your guys. Again, thank you so very much!

EH DOH HTOO TA PU

Very helpful people.

Brianna

Damien was very generous with his time, always happy to answers calls and emails with any questions that arose during the process of getting approved for a home loan. They continue to be helpful post settlement and we were very happy.

Ben Neve

Damian and his team are simply the best in the business. Lighting fast response time, expert advice and genuine interest in your needs. We are so grateful for the support from the Margin Finance team. We would recommend them instantly to anyone who needs a broker.

THE MEANS TO OVER 45 LENDERS

Frequently Asked Questions

What is a Mortgage Broker?

A Mortgage Broker is a professional who acts as a middleman between borrowers seeking a mortgage loan and the financial institutions providing these loans. They help you find the right mortgage loan from various lenders, offer personalised guidance, and negotiate favourable terms. Mortgage brokers simplify the application process, have access to multiple lenders, and can save you time and effort.

How do Mortgage Brokers get paid?

Our services are free. You don’t pay us. The bank or lender does at no cost at all to you. Mortgage Brokers are paid an upfront commission and a trail payment. The upfront commission is a one off payment that is paid to us by the lender/bank we refer your loan to (usually between 0.65% to 0.7%) as we do all of the legwork to get your loan approved. A ‘trail’ or ongoing commission is also paid by the lender to us which is an ongoing commission (usually around 0.15% p.a.) based on the balance of your loan. There may be occasions where you may be charged a fee by your broker. Terms, conditions and normal lending criteria apply. This generally occurs if we are dealing with a complex file that will require well above the standard amount of time to complete the file. If Margin Finance believes a fee will need to be charged, this will always be communicated to you before proceeding.

Why should I use a Mortgage Broker if I can just go direct to the bank?

When you visit a bank directly, they will only be able to sell you a loan or product that they have. When you visit a mortgage specialist like Margin Finance, we find you the perfect loan out of 40 different lenders. You may believe that a certain bank is right for you, but how do you know that if a mortgage specialist has not assessed you?

What documents are needed to apply for a mortgage?

The main documents you will need to provide to get a home loan are:

- Proof of identification: passport, driver’s licence, birth certificate

- Income: recent payslips, tax returns

- Expenses: a detailed list of your monthly expenses from subscriptions to petrol costs

- Assets: ownership details for other properties, cars, savings

- Liabilities: statements for any existing debts

When dealing with us, we will inform you specifically of all of the information we need to work on your mortgage.

How much can I borrow?

Your borrowing capacity is an important number and can differ a lot between banks. You can use our borrowing power calculator here which will only give you a rough estimate of your borrowing borrow. You should always speak with a Mortgage Specialist to discover how much 45 lenders will lend you. The factors that determine your borrowing power are:

- Income

- Expenses

- Debts

- Dependents

- Purchasing costs

- Savings and Equity

What should I speak to a Mortgage Broker about?

At Margin Finance, we encourage you to speak to us even before you are ready to buy a property. Speaking with a mortgage specialist will allow you to understand your borrowing capacity and your likelihood of being approved. If you want to buy a property in 6-12 months, speaking with a broker now can help you identify your position and if your situation aligns with your goals. We help clients at all different stages of their journey. If you are unsure when you should be coming to see us, simply ask. You have nothing to lose, and so much to gain, by contacting a broker. Our services are free and we are full of information to pass onto you.