we'd been locked into a Lo Doc loan for 10 years that we thought we couldn't get out of - until we met Ian. He was realistically optimistic, honest and he worked hard to get us a far better loan than we could ever have hoped. What was especially good was his follow-through and keeping us informed at all stages of the process. He was patient when he had to answer our queries (again!) and calm our doubts. He was encouraging and positive when we hit a roadblock and our current home loan tried delaying tactics. But it all went through! An excellent outcome. I'd have no hesitation in recommending Ian to any of my friends and family who are looking to refinance a current loan or apply for a new one.