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
We can help you with refinancing by assessing options available based on your financial situation and goals. We have access to a range of lenders and loan products to help the you find the most suitable refinancing options. For advice and guidance on the refinancing process, get in touch with us today to discuss your options.
Home Loans
A home loan is used to finance the purchase of a home or property. Home loans typically have a fixed or adjustable interest rate, and our job is to help you find a home that fits your lifestyle. We will assist you in completing the loan application process, which typically involves providing information about your income, employment history, credit score, and other financial details.
Find your ideal home with us, get in touch with 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.
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.
Self Managed Super Funds (SMSF)
SMSFs offer greater control and flexibility over the investment options and asset allocation, compared to other types of superannuation funds. However, they also require a higher level of responsibility and expertise in managing the fund's investments and complying with regulatory requirements.SMSFs can invest in a range of assets, including property, shares, managed funds, and cash - It can be a powerful tool for individuals and families who want greater control over their superannuation investments.