Getting the right loan is an important aspect of your property purchase. I am here to assist you and advise you so you get a loan that meets your needs for your current circumstances.
First Home Buyers
Purchasing your first home is an exciting and major moment in anyone's life. It could also be the largest investment you make in your lifetime. Getting a loan is a vital step towards making this a reality, and I'm here to make sure you do it right and to help you get your loan approved.
I can show you the difference between lenders, the products and most importantly, the difference in their credit rules. You will need to know whether you have enough of a deposit and whether your income is enough to service the required loan. I can help you answer both these questions.
Buying a New Home
If you have decided that you would like to buy your next home, remember that timing is imperative. For a smooth transition, contact me to guide you through the process. I can answer any questions you may have including - How much can you borrow? What are the costs involved? Which home loan might be right for you?
I will sit down with you and get a full understanding of your situation and your goals. I will research your options and give you my opinion on how best to purchase your next home. Join the many Australians who have benefited from my vast experience over the years.
Over time the lenders vary the discounts they give on their home loan products. So while you loan may have been the best available at the time, it is very common to meet potential clients with loans at a substantially higher interest rate than what's available today. It's worth talking to me to see if we can save you money by putting you into a better lending option.
There are many other reasons clients are looking to refinance loans. These can include debt consolidation, renovation, or obtaining extra cash for any worthwhile purpose. I would be happy to go through your options with you.
Building a Home
Construction can be a daunting prospect but it doesn't have to be difficult. There is a set process that the lenders and builders need to follow from settling the land purchase, producing a fixed price contract, obtaining council approval, starting construction and making progress payments.
I have done many construction loans during my time as a mortgage broker and I know exactly what process needs to be followed to make everything run smoothly. I'm happy to deal directly with your builder to make sure we get the right documents at the right time.
Many Australian's look to property as an investment option. If you are looking to enter the investment market make sure you talk to me about how much you can borrow and how to structure the loans correctly.
Many investors like to structure their portfolio to have each property with a different lender. I can talk you through the pros and cons of structuring your loans this way. I can also submit loans to multiple lenders without you having to talk to each lender individually. I am your one point of contact to place loans with different lenders.
Sometimes adding that extra room on to your current home can be more cost effective than moving. I can assist you to determine whether it's possible and cost effective to renovate compared to moving house. Feel free to give me a call and we can look at your options.