Supporting First Home Buyers
Just starting out and not sure what kind of loan you need? No worries! We are here to help. As a first home buyer, you can obtain finance from a financial institution (a loan) either to purchase or secure against the property, with our assistance. Features of a mortgage such as the size of the loan, maturity of the loan, interest rate, method of paying off the loan and other characteristics can vary considerably. It’s always best to speak with a professional mortgage broker to discuss your options. We can also help you determine your eligibility and apply for the First Home Owner’s Grant
Refinance Loans
Refinancing is potentially the simplest way to save you money. All banks offer different interest rates, different discounts, and the home loan you signed up for previously may not be the best fit for you today. Interest rates are always on the move and market conditions are constantly shifting, that’s why it makes sense to consider refinancing to ensure you’re getting the most from your home loan. Our mortgage consultants will help you by negotiating a better rate with your current lender or securing a lower interest rate with a new lender.
Consolidating and combining all your loans into a single loan, can also potentially save thousands of dollars. Consolidating higher interest personal debts like car loans, personal loans and credit cards into your home loan at lower interest rates could save you thousands in yearly interest. Monthly repayments are also easier to manage when you have a single mortgage repayment which can help to ease any financial burden. We would love to provide you with some refinance options.
Investment Loans
Investment loans are structured in a specific way to allow you to make the most of your assets and finances. We can work with your financial planner and accountant to ensure your loan is set up to meet your specific needs, and we have access to competitive loan options that can help you maximise your investment returns.
Medical Professional Loan
We have access to special loans which are only available to Medical Professionals. Eligible Medical Professionals get priority service, heavily discounted interest rates, waived mortgage insurance fees and increased loan limits. Lenders classify the medical profession as very low risk and high-quality clientele, so they reward this industry accordingly with added benefits. These products are designed to save you time, money and we can tailor a finance solution to suit your unique needs. Let us look after your finance needs so you can focus on more important things in life.
Legal and Accounting Professional Loan
There are special types of mortgage products for people who work within the Legal and Accounting professions. Eligible Legal and Accounting Professionals get priority service, heavily discounted interest rates, waived mortgage insurance fees and increased loan limits. Legal and Accounting Professionals are classified as low risk borrowers and qualify for special benefits. We understand how busy you are and we are dedicated to making the process as streamlined and time efficient as possible, we can even come to you during or after business hours.
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Family Guarantor Loan/No Deposit Loan
A Family Guarantor Loan is commonly known as a Guarantor Loan or No Deposit Loan. These types of loans allow you to use some equity in a family members home to assist you to obtain a home loan, even if you have little to no savings or deposit. This effectively allows you to borrow 100% of the purchase costs whilst also eliminates the need to pay for Lenders' Mortgage Insurance (LMI) fees. This unique option can save you thousands of dollars, whilst also allowing you to gain discounted interest rates and other benefits which normally would not be offered for borrowers with smaller deposits.
Commercial Loans
Commercial property and business lending policies and interest rates are rarely found on lender’s websites. Unlike residential home loans, the pricing of a commercial loan can be negotiated based on your background in business and the security to be offered. If you need help to refinance or purchase commercial property, just contact us today.
Standard Variable & Fixed Rate Loans
The variable rate loan offers more features and flexibility than the basic fixed rate loan, so the rate is usually slightly higher. Fixed rate loans are set at a fixed rate for a specified period – usually one to five years. This gives you the advantage of knowing how much your repayments will be, allowing you to organise your finances without the risk of rising interest rates. However, this advantage is offset by the possibility of not benefiting from a drop in rates.
Bridging Loans
A bridging loan may be necessary to cover the financial gap when buying one property before your existing one is sold. This finance is secured against the existing property (utilising equity) and the new property being purchased. Usually, bridging loans are short term (normally 6 months) to allow for the sale of the original property and more expensive than other types of loans. There are alternative ways to finance a change from one home to another, so please talk with us to discuss your options.
Asset Finance
Need finance for another large purchase besides your home? You can also ask us to access competitive finance options for private cars and recreational vehicles, commercial vehicles, plant and equipment for your business and other kinds of small business loans for a variety of purposes. These finance options may include personal loans, car loans, a variety of leases, commercial leasing options, chattel mortgages and more.
