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Joe Denham is listed as Senior Broker Relationship Manager @ WAVE MONEY at WAVE MONEY, a company with 3 employees, based in Gaythorne, Queensland, Australia. AeroLeads shows a matched LinkedIn profile for Joe Denham.
Joe Denham previously worked as Senior Broker Relationship Manager at Wave Money and Principal at Ray White Ashgrove. Joe Denham studied at St Marys Toowoomba.
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We are seeing increased complexity in mortgage lending and this has led to many borrowers finding it impossible to have their home loan needs met.For the estimated $370b of mortgages coming off fixed rates in 2023, many borrowers are expected to experience a minimum increase of 48% in their monthly mortgage repayments, with some facing increases of up to 291% per month. At WAVE MONEY, we believe that providing borrowers with the flexibility to move to or stay on interest-only repayments can provide the greatest relief for those facing significant increases.Unfortunately, this may not be an option for borrowers whose current lender will not allow them to extend or move to interest only repayments and refinancing to new lenders who have similar policies will not provide the necessary relief. Increasingly we will see instances of borrowers that have become “mortgage prisoners” with their existing lenders, unable to vary their existing arrangements and unable to refinance to a new lender to achieve more favourable terms due to the interest rate buffers applied by the lender that impacts loan servicing and results in a failed application. This is made worse when these borrowers have other mortgages or loans and the interest rate buffer of 3.0% is applied to these loans also. We understand that borrowers need more than just lower interest rates to navigate this challenging environment.Borrowers will require a lender like WAVE MONEY that applies a buffer of 2.5% only to the facility being sought and no interest rate buffer on any other existing loans.Our approach to lending is focused on supporting brokers and their clients by providing the flexibility and support they need to navigate this challenging environment.We believe the credit decision process requires people and expertise because each borrower’s situation and requirements are unique, particularly the self-employed.WAVE MONEY exists to deliver residential mortgage solutions to an increasing pool of borrowers whose needs are not being met by many bank and non-bank lenders. If you would like to become an accredited broker, please reach out directly or via our website.E: joe.denham@waveymoney.com.auW: https://wavemoney.com.au/brokers/
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Queensland, Australia
Wave Money is a leading Australian non-bank lender established to deliver residential mortgage solutions and exceptional service exclusively via brokers to an increasing pool of borrowers whose needs are not being met by traditional bank and non-bank lending institutions. Wave Money’s mortgage service proposition comprises best-of-breed technology for each.
Ashgrove
With my sufficient background and expertise, I have been able to draft and maintain records and files of all maintenance and labour contracts, rentals, and correspondence with the management company, ensuring all business transactions are conducted properly and on time.Within this role, I have been able to coordinate communication between the legal.
Sydney
This position allowed me to establish and maintain collaborative relationships with all levels of management, including compliance, risk management, sales management, and audit, to resolve issues appropriately and effectively.With my demonstrated experience and industry background, this allowed me to provide finance with all the information and.
Other employees you can reach at wavemoney.com.au. View company contacts for 3 employees →
Johnny Rashidi
Colleague at Wave MoneyGreater Sydney Area, Australia
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Adam Robson
Colleague at Wave MoneySydney, New South Wales, Australia, Australia
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David Tickle
Colleague at Wave MoneySydney, New South Wales, Australia, Australia
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Paul Kalajzich
Colleague at Wave MoneyPerth, Western Australia, Australia, Australia
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Elaine Coyle
Colleague at Wave MoneySydney, New South Wales, Australia, Australia
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David Jeffery Jp
Colleague at Wave MoneyGreater Sydney Area, Australia
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Steven Marinucci
Colleague at Wave MoneyGreater Melbourne Area, Australia
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Brad Allen
Colleague at Wave MoneyMelbourne, Victoria, Australia, Australia
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KL
Kayah Lay
Colleague at Wave MoneyLoikaw, Kayah State, Myanmar, Myanmar
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Tetiana Kurtseva
Colleague at Wave MoneyCammeray, New South Wales, Australia, Australia
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Quick answers generated from the profile data available on this page.
Joe Denham works for WAVE MONEY.
Joe Denham is listed as Senior Broker Relationship Manager @ WAVE MONEY at WAVE MONEY.
Joe Denham is based in Gaythorne, Queensland, Australia while working with WAVE MONEY.
Joe Denham has worked for Wave Money, Ray White Ashgrove, Liberty Financial Pty Ltd, Aussie, and Ray White Paddington.
Joe Denham's colleagues at WAVE MONEY include Johnny Rashidi, Adam Robson, David Tickle, Paul Kalajzich, and Elaine Coyle.
You can use AeroLeads to view verified contact signals for Joe Denham at WAVE MONEY, including work email, phone, and LinkedIn data when available.
Joe Denham studied at St Marys Toowoomba.
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