Our Services
How we can help you
We look forward to helping you with your financial needs. We can help first home buyers, refinancers, and investors.
STANDARD VARIABLE AND FIXED LOANS
The variable rate loan offers more features and flexibility than the basic or “no frills” loan, so the rate is usually slightly higher. Fixed rate loans are set at a fixed rate for a specified period – usually one to five years. The advantage of allowing you to organise your finances and repayments without the risk of rising interest rates is offset by the disadvantage of not benefiting from a drop in rates.
FIRST HOME BUYERS
Just starting out and not sure what kind of loan you need? No worries! We are here to help. A home buyer can obtain finance (a loan) either to purchase, or secure against the property, from a financial institution via a mortgage broker. Features of mortgage loans 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.
INVESTMENT LOANS
Investment loans are structured in a specific way to allow you to make the most of your assets. We can work with your financial planner and accountant to ensure your loan is set up as required, and have access to competitive loan options that can help you maximise your investment.
COMMERCIAL LOANS
Commercial property and business lending policies and interest rates are rarely found on lenders’ websites. Unlike residential home loans, the pricing of commercial loans can be negotiated based on your background in business and the security to be offered. Need help looking to refinance or purchase commercial property contact us today.
HONEYMOON LOANS
Honeymoon loans or Introduction loans is a loan with lower repayments for the first six to twelve months… After the ‘honeymoon’ term the loan becomes a standard variable loan and the repayments will change to the current standard variable rate. Make sure that you can meet the potentially higher repayments for the remainder of the loan. You could also be faced with a fee at the end of the honeymoon period to switch to another loan type.
BRIDGING LOANS
A bridging loan may be necessary to cover the financial gap when buying one property before the 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 months) to allow for the sale of the original property and more expensive than other types of loans.
