Services
Home Loans
Purchasing
Purchasing a home can be stressful in itself, whether it’s for investment or your family home.
Let us review your current situation to make this a stress free process.
Do you already own a home? We can help you unlock equity to buy your investment property, family home or even build your dream home.
Maybe you’re buying your first home, wanting to move interstate or upgrading to a bigger family house. Whatever your circumstances, we listen, and recommend and explain solutions according to your needs. Then we craft a mortgage to suit your budget.
Refinancing
Looking for refinance home loans? Lower rate / more flexibility / Home equity / Buy a new car / undertake home improvements / Personal circumstances change Get a better interest rate / Raise money for investing. Mortgage refinance
Whether you wanting to renovate, consolidating debts, search for other rate options, raise funds for a purchase, change your rates or loan options, refinancing your existing loan may be the way to go. The mortgage markets are ever changing which is why staying in touch with us on a regular basis is the smart thing to do. We are always more than happy to conduct a review or quick home loan health check on your current loan.
Property Investors
Investment properties have many benefits when building long-term wealth. If you take the time and select your investment properties well, property can deliver good returns for long-term investors.
If you are thinking of arranging loans to secure an investment property, please call us to secure a suitable loan that will help to minimise your risk and maximise your return.
If you’ve owned your home for a few years, there’s a good chance you’ve built up some reasonable equity, and this can be a valuable resource when it comes to property investment.
We can help you to find out how much equity you have in your home, and how you might be able to use it to own an investment property sooner.
Commercial Premises
We can work with you to pinpoint the finance options best suited to your needs – looking at both the rate and features that can help you manage the loan. We can loop you in to specialist commercial finance partners, so you focus on securing the perfect property while experts take care of the detail.
Asset Finance and Equipment Finance
Car Loan
A car loan is a personal loan for a new or used car. You have to repay the loan and interest over a fixed term, usually between one and seven years.
Fixed or variable interest rate:
- With a fixed interest rate, the interest rate and your car loan repayments are fixed and won’t change. You’ll know exactly how much will come out of your bank account for repayments each month. Car dealerships usually offer fixed rate loans.
- With a variable interest rate, your car loan repayments can change if interest rates change. If interest rates rise, your repayments will be higher. If interest rates fall, your repayments will go down.
- Variable rate car loans usually don’t have an early exit fee
- This might be better if you’re planning to make extra repayments and pay the car loan back early.
Secured or unsecured loans
- Most car loans are secured. Your car will typically be the security for the loan. If you don’t pay the loan back on time, the lender can repossess your car and sell it.
- With an unsecured loan, you don’t have to provide your car as security. But the interest rate will be higher and you won’t be able to borrow as much. Unsecured loans are mainly for used cars.
Equipment Finance
Many businesses need specific equipment to keep their company running; however, they may not have adequate funds for them. That is when equipment financing comes very useful for start-up businesses or businesses that simply need extra funds. This type of loan is funding for a physical asset, and equipment finance is often secured with the equipment you are purchasing.
- When it comes to equipment, your company must have top of the range gear as this may affect your staff and quality of work. Whether you are buying brand new equipment or updating your current equipment, equipment financing may be the best business loan option for you. If your business is in a similar circumstance, then it may be worth getting in contact with us to find out more information.
- Available for machinery, vehicles, etc.
- A loan is secured against equipment/asset purchased
- New and used items can be bought but are available at different costs
Other Services
- Self-managed Superannuation Funds (SMSF) loans
Home loan application process:
Once you and I have chosen a home loan that’s right for you, it’s time to submit an application. The process varies between lenders, but we’ve provided a general order of events below.
Step #1: Meet with myself
We’ll meet with you to understand your financial & lifestyle goals. We’ll search through hundreds of home loans to find the one that’s right for you, calculate your borrowing power, work out repayments and answer any questions that you may have.
Step #2: Prepare the application
Once we’ve helped you choose the loan that’s right for you, we’ll help you prepare the application and guide you through the process.
Step #3: Conditional approval
The lender will provide conditional approval while they organise the property valuation and conduct a credit check. We’ll stay in touch with the lender and keep you informed along the way.
Step #4: Unconditional approval
Unconditional (full) approval is formal acknowledgement that your home loan application has been approved.
Step #5: Complete loan documents
Once your loan documents arrive, we’ll organise a time to meet and help you complete the document.
Step #6: Loan settlement
If you’re purchasing a property, your solicitor / conveyancer will organise settlement directly with the lender, according to the settlement date on the contract of sale. If you’re refinancing your existing home loan, the lenders will liaise directly to exchange the documents.
Step #7: Home loan completion
Keeping in touch: our service doesn’t end once your loan settles. We will stay in touch to make sure your home loan is the right solution for your needs now and in the future.