SERVICES

SERVICES

Find a solution that best suits your needs

There are hundreds of home loan products on the market and it is important that you find a solution that best suits your needs, budget and personal requirements.

You can expect us to identify which products are most suitable for you and to help you choose the correct solution. We also provide ourselves on our ability to get your loan settled and will assist you with collecting your documentation and preparing your application. We have extensive experience in all things lending, including:

First Home Buyers

A home buyer can obtain financing (a loan) from a financial institution to purchase a property by using a mortgage broker. First home buyers may enjoy a grant from the government to assist with their first home purchase and we can also help to ensure you receive any entitlements.

The features of your loan – 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. When you’re a first home buyer, it’s always best to speak with a mortgage broking professional to determine the loan that is right for you and help you to understand everything you should know about the home buying process.

Investment Loans

Investment loans are structured in a specific way to allow you to make the most of your capital and assets. We can help you to formulate an investment plan that works toward building your wealth and securing your financial future. We will then work with you to help ensure your finances are always working optimally to help you achieve your goals.

For some, the future may seem a long way off, but the time to act is now because when it comes to making a profit from investing in property, time is your friend. The housing market is generally a seven to ten year cycle: there are always highs, lows and steady patches. But over time, property values have proven to rise fairly consistently. That’s why a long-term investment strategy is considered to offer the investor the lowest risk.

Standard variable & fixed rate loans

Variable rate loans generally offer more features and flexibility than other home loan products, particularly the basic or “no frills” loan. With a variable rate loan, the rate can change at any time and lenders usually raise or lower their variable interest rates in line with the Reserve Bank of Australia’s decision on the official cash rate.

Fixed rate loans are set at a fixed interest rate for a specified period – usually one to five years. Fixed rate loans give you the advantage of knowing exactly what your repayments will be for the fixed rate term, but this is offset by the disadvantage of not benefiting from any drop in rates that may occur during your fixed rate period.

Honeymoon Loans

A loan with lower repayments for the first six to twelve months is often called a Honeymoon Loan. After the honeymoon period, the loan becomes a standard variable rate loan and the repayments usually increase. If you are planning to take advantage of a honeymoon rate, you will need to make sure that you can meet the higher repayments for the remainder of the loan once the honeymoon period is over. You could also be faced with a fee at the end of the honeymoon period to switch to another loan option.

Insurance

Your financial well-being and that of your family is important to us. So we also specialise in helping you secure your loan and financial security by offering risk and life insurance. Through our partnership arrangements with reputable insurance providers, we are able to offer you a range of different insurance options. This service offers free consultation so even if you are happy with your current insurer for your home, business or any other insurance requirement, we’ll be happy to provide you with a competitive quote to see if we could help you save money.

Asset Finance

You can also ask us to access you some great finance options for other purposes such as loans for private cars and recreational vehicles, commercial vehicles, as well as plant and equipment for your business. 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 personal financial circumstances and goals. With depreciating assets, the right finance can also save you a lot of money on interest and fees.