First Home Buyers
Buying your first home can be both exciting and daunting. It helps to have someone on your side to ensure you understand your options and guide you through the loan approval process.
Moving Home
You may have had the same home loan for a while. It may be time to consider your options and see if we can get you a loan that is more suited to your current needs – and can save you money!
Bridging Finance
If you have substantial equity in your current home and surplus income you may qualify for bridging finance. Such a finance facility can allow you to purchase your new home now, before selling your current home.
Pre-Approvals
If you are looking to purchase a property we recommend that you have your finance pre-approved. We can provide you with a Loan Pre-Approval in writing at no charge and no obligation. Arrange your finance first and have the confidence and peace of mind when you make an offer on a property.
Renovation / Home Improvements
One of the most popular reasons for extending your home loan is for home renovations and improvements. We can assist you get the extra funds you need and at the same time ensure you get a loan product that has the features to help you pay off your mortgage sooner.
Refinancing
You should not change your home loan unless there is a direct benefit to you. For example a lower interest rate and repayments, and features that help you pay your loan off sooner. We consider all the costs involved in debt restructure to ensure it is in your best interest.
Investing
Whether you want to negatively gear an investment property or buy shares, we can help you structure your finances to ensure you obtain the maximum tax benefit.
Deposit Bonds
We can help arrange a deposit bond to cover the 5-10% deposit normally required when purchasing a property. This can be arranged once we have unconditional loan approval.
Debt Consolidation
Putting all your loans and credit card debts all into one home loan can reduce financial strain by lowering your monthly repayments. Be aware that if you are running up a number of finance facilities you may be living beyond your financial means.
No Deposit Loans / Low Deposit Home Loans
Suitable for people with stable employment, regular income, and the ability to show that you can comfortably afford the loan repayments. In certain circumstances your immediate family may be able to help you with the purchase of your home.
Land Loans / Construction Loans
We can help you with finance to purchase vacant land. If you wish to obtain finance to build a new home, or undertake major home renovations, we can also assist with a construction loan approval.
Low Documentation Loans
Suitable for those with irregular income or Self-Employed people with no documented proof of income. Low Doc loans can be arranged for any worthwhile purpose including property purchase and debt refinance.
Equity Loans
You may wish to use the equity in your existing home or investment property to raise cash for any purpose. Such loans are also available to retirees and pensioners. Note that we do not promote “Line of Credit” finance facilities unless such a product specifically suits you.
Property Settlements
In the unfortunate event of a relationship breakdown and/or divorce settlement, we can assist one party buy-out the other party’s share of the home, rather than go through the costly exercise of selling your home and buying elsewhere.
