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) to purchase 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 for different grants and subsidies for first home buyers.

Would you like to know if there is a loan which will better suit your needs?

Would you like to consolidate other debts?

Did you know that when your loan to value ratio (how much you borrow compared to the value of your home) is higher that your interest rate will also be higher. As the value of your property goes up or as you pay down your loan you could be eligible for a lower interest rate. Some key points where you might be eligible for a lower interest rate are where your LVR drops below 90%, 85%, 80% and 70%.

If your LVR might have decreased below one of these points, please contact us to arrange a valuation and discuss whether there is a more suitable loan for you.

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.

Perhaps you have been thinking about an investment property, but are not sure if you would be eligible. By contacting us you will be able to find out. If you are not quite ready, you will then know and can put together a plan.

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 to 12 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.

Over time you could build up equity in your home or investment property.

A principle and interest loan you will mean that you will being paying off the original debt. If your property value has increased you will have more equity in your property.

Once you have extra equity in your home you might like to use it to improve your home; obtain a deposit for an investment property; pay for school fees or take a special holiday.

Please contact us to discuss your thoughts around accessing the equity in your home.

For some people a SMSF can allow them to purchase a first (or additional investment property) if they are unable to in their own name. For other people purchasing a property inside a SMSF is part of their core strategy.

Some business owners use their SMSF to purchase their building, while other people use a SMSF to purchase a commercial property that they will lease.

If you have a SMSF and are looking to purchase a property or if you already have a property and want to review your loan we can assist you.