Services we offer
With so many loan products in the Australian market today, its hard to know which is best or the right fit for you, that’s where we come in. As your Mortgage Broker we can help first home buyers, next home buyers, refinancers, and investors with their finance requirements.
- We assess your finance needs and objectives
- We tailor a comparison report with a range of home loan products that suit
- We work with you to devise a lending strategy
- We put together and submit your loan application to your chosen lender
- We liase with the credit provider to co-ordinate documentation and conditions
- We ensure loan documents detail the correct information
- We follow-up with you and our lender panel to ensure your loan remains competitive
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
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.
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.
HoneymoOn Loans
A honeymoon loan (or introductory loan) is a loan with lower interest rates or lower repayments for the first six to twelve months. After the ‘honeymoon’ term, the loan becomes a standard variable rate loan and the repayments will change to include the current standard variable interest rate. When taking out a honeymoon loan, it’s important to make sure you can meet the potentially higher repayments for the remainder of the loan. You could also be faced with a fee at the end of the honeymoon period if you want to switch to another type of loan.
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.
The major benefit of using a broker to finance other large purchases besides property is obtaining finance that is tailored to fit your current financial circumstances and needs. With depreciating assets, the right finance can also potentially save you money on interest and fees, or potentially help you maximise your tax benefits.AND MORE – Not sure what kind of loan you need for your current financial circumstances? That’s our job. We deliver tailored finance solutions chosen from a panel of leading lenders, and give you peace of mind that your loan is working for you. Contact us today to find out all the ways we can help you.
FIRST HOME BUYER
Just starting out and not sure what kind of loan you need? No worries! We are here to help. Features of a mortgage such as the size of the loan, loan packages, interest rates, product types and other characteristics can vary considerably, therefore 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 Homeowner’s Grant or the First home buyer lending scheme.
CONSTRUCTION LOANS
Building your own house comes with very many decisions and is often stressful. Let us take the stress out for you by walking you through the process. Whether it be for a brand-new build, off the plan, turn-key or a knockdown and re-build we are here to help, because knowledge is POWER.
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 best interest. We also have access to competitive loan options that can help you maximise your investment returns and ensure that you are getting a suitable loan product.
COMMERCIAL LOANS
Commercial property, business lending policies and interest rates are rarely found on lender's websites and can be a difficult process to navigate. 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
Thevariable rate loan allows you to ride the interest rate market in whicheverdirection it travels. This is particularly beneficial in a turbulent housingmarket as the rates can change at random as set by the Reserve Bank ofAustralia. In contrast to this flexible product is the Fixed Rate option wherethe interest rate is fixed for a selected time. This gives you the advantage ofknowing how much your repayments will be, allowing you to organise yourfinances without the risk of rising interest rates. However, this advantage isoffset by the possibility of not benefiting from a drop in rates, attractiverefinance offerings from other lenders and can incur fees if you wish to endthe fixed term early.
BRIDGING LOANS
A bridging loan may be necessary to cover the financial gap when buying a 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 but are traditionally more expensive than other types of loans. There are alternative ways to finance a change from one home to another, so let us help you understand the power of mortgages.
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. The major benefit of using a broker to finance other large purchases besides property is obtaining finance that is tailored to fit your current financial circumstances and needs. With depreciating assets, the right finance can also potentially save you money on interest and fees, or potentially help you maximise your tax benefits.
