John VanderWerff, A.M.C. Broker Princpal

John has operated as qualified and MFAA accredited Mortgage Broker for over three years and as a Mortgage Consultant before that. Unlike many of his contemporaries though, John didn't come into role from within a finance background.

John has always been a Client Services Specialist. In the I.T. industry, working with families and individuals in the Social Services arena, especially in Disability Services, and management roles in Marketing and retail.

When asked what bought him into the Mortgage Industry he said.

`I've worked hard for a lot of years and have had at least as many knocks as I've had breaks. It simply came down to the fact that, when I needed to restructure my own finances; after a not so pleaseant business experience, I found that there were no Prime Lenders out there that would help some one like me, a self employed business person. That was frustrating, and it really hasn't changed much in the last ten years either. So, I took it upon myself to research what was available to the likes of me and, in the end, to get the best out of the Mortgage, Home Loan industry, I figured I had to be on the inside to really learn and understand what was possible and what was just Lender Hype.

Once there I found that, if you really wanted to, you could find Mortgage Structures that did in fact, work for your benefit andf NOT just for the lenders benefit. It was just that the Lenders' simply didn't feel inclined to let you know about them.

What I bring to the Mortgage Home Loan industry and to all of my clients is a real desire to make your mortgage work for YOU not to simply have You have to always work for your mortgage.'

Your mortgage needs to be the best mortgage for YOU. Not the best mortgage for your broker, or your lender, but for YOU.

If you're unsure of you the real beneficiary of your mortgage is just do this simple bit of arithmetic.

Multiply your current monthly repayment by 12. Then multiply that answer by the whole term of your mortgage.

The answer you get is the minimum amount your lender expects to make from you over the term of the mortgage.

If you're happy with that figure then that's great. But if you're not call Optimal Lifestyle Mortgages now on (03) 9014 7753.

Here's another calculation you might want to do to see if the mortgage you've got is the best for you or the best for the lender.

Get your latest mortgage statement out. Subtract the closing balance from the opening balance. Now divide the resul by the number of months in the statement, (usually 6). What's the answer? It is in fact the amount of dollars that has come off the principal of the mortgage. The rest is purely interest.

If you're happy with that figure then that's great. But if you're not call Optimal Lifestyle Mortgages now on (03) 9014 7753