We service all types of mortgages, from first home buyers, buying again, or those looking to refinance or enter the property investment market. Our lender panel has been carefully selected to ensure you receive the loan rate, features, to ensure you receive the right loan rate, features, and service to suit your individual needs.
First home Buyers
There are endless options when it comes to purchasing your first property. Make sure you attend as many open homes as possible and do plenty of research to narrow down your property and location requirements. It may help to write a list of all the things your ideal property will have i.e how many bedrooms and bathrooms you need, if you need a garage and how close you need to be to local schools or work.
We can help you by:
✔︎ Explaining all the extra costs — stamp duty, council rates etc
✔︎ Identifying ways to save for your deposit
✔︎ Identifying grants and benefits available to you
✔︎ Estimating your repayments
✔︎ And planning your budget to prevent any unwanted surprises
There’s plenty to consider and the experience can be very exciting, however, if you dont understand the process, it can also be a little daunting.
That’s where we come in.
Buying Again
You may have been through the process before, but that doesnt mean it gets any easier. It is important that you first identify what your financial needs and expectations are and ensure you are well informed of the current property market conditions.
We can provide you with access to key industry trends and insights to help you make sound property buying and selling decisions. We can also provide you with a free home loan health check!
Your free home loan health check will provide you with:
✓ The lowest interest rate available to you
✓ How much you could afford to borrow
✓ Your monthly loan repayments
✓ How many lenders you qualify with
Enquire today to make purchasing your next home simple and stress-free.
Investing
Property gives people a real and tangible asset that they can touch and feel.
Benefits of investing in property include:
✓ Wealth generation
✓ Increased security
✓ Tax benefits
✓ Retirement savings
✓ Rental return
In order to get the most out of your property investment it is important to identify why you are seeking to invest in the first place. Once you have identified your reasons for investing you will be able to set goals for the future to help you maximise the return on your investment.
Choosing the right home loan for your investment can have a huge impact on your bottom line.
Contact us today to find out how we can help you build your investment strategy.
Refinancing
Refinancing may help you to own your home sooner by decreasing your current repayments and shortening your loan term. The process involves paying off your original mortgage and replacing it with another one and has also become much easier to do in todays competitive home lending market.
Benefits of refinancing include:
✓ Lower interest rate
✓ Decreased monthly repayments
✓ Unlock equity in your home
✓ Consolidate your debt
Debt Consolidation works by combining all personal debts such as car loans and credit cards into your home loan which generally has the lowest interest rate. Because the interest rate is lower, and the loan term is usually longer, your monthly repayments will drop, giving you some breathing space.
If you have had your current home loan for a number of years or if your financial situation has changed, it may be a good idea to re-evaluate. Your home loan rate should include all the flexible features and ad-ons you require to help you achieve all your financial goals.
Contact us today to find out if refinancing could benefit you.
