First Home-Buyers

As property prices rise, entering the property market for the first time can seem like an insurmountable task. Our consultants understand your fears, and will help guide you through the maze of regulations and paperwork required to apply for and eventually succeed in having your loan approved.

They can assist you through the loan process as well by giving you clear milestones of what will happen, and keeping you informed right up until settlement. This can save you hours of time, phone calls and anguish having to deal directly with your lender.

Our consultants understand how the First Home Owner's Grant works and will help you in completing the necessary paperwork to apply for it.

To find out how we can assist you further, simply call us or complete the online enquiry form.

Refinancing

Have your circumstances changed? Not sure of the homeloan you're in now? Are you worried that you're paying too much interest?

You've already gone through the process of obtaining your old home loan, and now you're ready to find an even better deal. Refinancing your existing loan with another loan for the same amount, but with a lower interest rate can lead to greater benefits for you.

Let our mortgage professionals review your current situation and they'll find the home loan that's right for your situation now. We'll do all the work for you by finding the best interest rates and conditions available from our panel of lenders.

Refinancing your home loan can lead to many advantages such as being able to consolidate all of your debts, reduce your lender fees and give you much more flexibility with your loan conditions.

Our mortgage professionals will help you to manage your refinancing and find a loan suited to your needs from our panel of lenders. Simply complete the online enquiry form.

Property Investors Home Loans - Investing in property?

Do you have equity in your home? Are you interested in investing in more property?

Investing in property can be a safe and secure way of using existing equity in your home to buy another property that will increase in value over time.

Using the equity in your existing property in place of cash for a deposit on your investment property can be of huge benefit to your cashflow situation.

However, you should be very cautious when investing in property. You should consider tax implications, negative gearing and even the type of investment loan you choose, and how all of these are going to affect you in the long run.

Also, if your investment loan is structured in the right way, then the interest and other fees from that loan can be tax deductible.

Generally, investing in property gives you access to three benefits:

Capital growth,
Rental income, and
Tax advantages associated with negative gearing.

To arrange a meeting with one of our consultants simply complete an online enquiry form.

We recommend that you talk to your accountant first.

Having trouble getting a YES answer?

Do lenders keep saying no? Do you have limited documentation or proof of income? Have you had problems paying off loans in the past?

We understand that alot of good-hardworking people like yourself are turned away each day from lending institutions because of their STRICT rules and regulations. You're able to service their loan, but lenders aren't willing to be flexible in their selection processes to give you the loan.

Our consultants have great experience in working with people who experience these same problems, and are able to negotiate special `low-doc' loans that may match your circumstances. A low-doc or `self-employed' loan typically has many of the features that you find in a standard variable interest rate home loan, except that less documentation and proof of income is required.

This is perfect for--

Small business owners who may not have been in business long,
People who earn irregular income, and
People who are having difficulty getting a break!

Low-doc & self-employed Loans

Do you earn irregular income? Do you have the money for a deposit, but not the pay-slips?

Our consultants can help you source the best Low Doc option from our panel of lenders.

A `low-doc' or `self-employed' loan allows you to borrow money without having to provide as much information as would be required for a regular loan. Less documentation and proof of income is needed, hence the word `low-doc'. This is perfect if you are a small business owner who has not been in business long, or even great for people who earn irregular income.

They are ideal for people who are unable to verify or substantiate their full income details. However, not all low-doc loans are the same. Some loans may charge a higher interest rate, while others may charge a high exit fee.

To find the right home loan for your unique circumstances, simply complete the online enquiry form to arrange an obligation-free meeting with one of our friendly consultants.