Here, we complete a free, comprehensive assessment of your current financial position. We then hold a structured conversation about your current and future goals and present you with the best options for your situation across a panel of over 30 lenders.
Once you are happy with the loan proposal, we will go ahead and take care of all the paperwork for you. We will package the documents and lodge your application with the lender.
A pre-approval will be granted at this stage for prospective home buyers, giving you the comfort and confidence to attend auctions and make offers. Once a property is secured, the lender will proceed with a valuation of the property and go on to issue the formal approval.
This takes place upon acceptance of the loan offer, by way of signing the mortgage documents from the lender. At this stage, ensure you take care of essential items such as taking out building insurance and paying stamp duty. Once these are done, you can then instruct your conveyancer to book in a settlement date!
A mortgage broker acts as a middleman between borrowers and lenders. They assess your financial situation and goals, based on which, products are recommended that are considered to be best aligned to your personal situation.
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Property is a tangible investment class that has the potential to yield ongoing passive income for decades, not to mention the capital gains if you purchase in a growing suburb. Property is also an expensive investment option, tending to require a higher initial capital outlay (through the deposit and stamp duty) compared to alternative asset classes, such as listed shares.
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When you refinance, you are replacing your existing mortgage with another. In practice, you would be applying for a new mortgage and using this to replace your existing mortgage. You can refinance using another lender entirely, or by choosing a different loan product with your existing lender.
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A standard home loan requires a deposit of 20%. Low deposits range from 5 to 10% of the property value and can include the First Home Owner Grant (FHOG) and the First Home Loan Deposit Scheme (FHLDS). T & C’s apply
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A car loan is a type of personal loan used to purchase a new or used motor vehicle. The period over which the car loan is borrowed can range from 1 to 7 years. As with home loans, you can choose to take out a fixed or variable interest rate loan.
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Commercial property loans are secured against an asset (e.g. an office building or a factory) and can be used to fund a renovation, fit-out or the purchase of a commercial property.
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Personal loans refer to money borrowed for any legal purpose. These loans can be secured against an asset (e.g. your car) or unsecured. These loans are repaid in fixed amounts over a stipulated period of time. The interest rate applied can either be fixed or variable.
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We believe that every client is unique and that no client should be treated like a number. We understand that the process of securing finance can be long and often tricky. With years of experience in the banking and finance industry, our staff has helped over hundreds of happy clients. We endeavour to simplify the process for you and assist you in achieving your goals.