Getting the Right Advice and Loan! Where do you Start?
With the multitude of offerings available, this task can be confusing, time consuming and daunting.
Whatever your requirements we can remove the uncertainty by finding a solution that satisfies the most complex situations and meets your needs and goals.
Important Stuff for you to consider!
What do you want?
Are you looking to buy or build your 1st home, upgrade to a bigger home as your family grows, downsize as the kids leave home or even undertake a renovation?
Perhaps you are looking for an Investment purchase? You will need many different options available with your loan and equally as many different types of loans we can personalise to suit your purpose and goals.
What Can You Borrow?
Don’t always rely on those online calculators. Your personal circumstances now and into the future need to be considered. The type of loan and your deposit amount will impact on what you can borrow.
Which Lender Do You Choose?
Where do you start? What Bank, Credit Union, or Non-Bank Lender do you consider? Is it a variable rate or fixed rate that may suit you or even a combination of both?
Our lender panel is significant, allowing us to access a loan that’s meets your goals and needs is matched correctly to your personal circumstances.
Are There Any Government Incentives for Us?
Depending on your circumstances, there are several incentives you may be able to access. These include Stamp Duty Concessions,1st Home Buyers Grants and others that vary from time to time. We can advise what may be available to you and where possible, assist with your application if you qualify.
How Much Deposit Do I Need?
The level of savings can mean a different choice or recommended lender. You will need to take into consideration not only the deposit for your home or investment property, but make allowance for additional costs including State Government Duties and Legal Fees. The amount you have saved will also determine if there is a need for Lenders Mortgage Insurance.
Can I Obtain a Loan Pre-Approval? Very simply – YES!
What Do I Do Next?
Simple, start the process now by getting quality advice so you are on the right path upfront. KEN 0411 669414MICHELLE 0422 664320
Give either Ken or Michelle a call or drop us an email and we can call you.