Services

First-time buyers

When purchasing your first property, don’t let yourself be overwhelmed by the experience. The process can be seamless and enjoyable when you tackle it in individual stages. From making the decision to purchase, to finding the right loan, saving for your deposit and finding and securing the perfect home. Step-by-step you can achieve your financial goals.
Choosing a property
When it comes to choosing a first home, one of the key decisions is likely to be ‘apartment vs house’. There’s no easy answer – both options are equally good. As a first home buyer, it comes down to your individual needs and choice.
Saving for a deposit
Lenders look at something called ‘loan-to-valuation ratio’, or LVR – that’s the ratio of your loan versus the value of the property you want to buy. A lower LVR means lower fees and lower repayments.The more you can save as a deposit for a house, the better. You’ll take a bigger chunk out of your home loan and the lump sum you contribute at the beginning is money you’re not paying interest on later.
Making an offer
Sale of a property by negotiation or private treaty is where the seller sets the price and prospective buyers make an offer in writing. If a counter-offer is provided by the seller, the two parties may engage in a bartering process in an attempt to reach a sale price and agreement they’re both happy with.

Home refinancing

Once you’ve made the decision to refinance, it is imperative to thoroughly consider all the options available to you, to ensure that it is a worthwhile process to undergo. With the competitiveness of the market, there are constantly offers available that cater to all purposes of refinancing.
Lowering your monthly payment
You can reduce your loan repayments without extending the loan life. Some lenders even offer over $2,000 in your pocket. For just refinancing your loan.
Reducing the length of your loan
If you make the same repayments on a new loan facility, you can dramatically reduce the life of the loan.
Switching to a fixed-rate loan
Interest rates are at record low levels. There are some very good fixed rates on offer. Fixed rates create a certainity in repayments over a period of time.

Investment loans

When purchasing an investment property, you need to think tactically about where you will buy and the type of person who generally resides in this area. Doing your research and having a clear understanding of the market and the areas where property is most likely to increase in value is essential. When considering your budget and return on investment, it’s not just about your rental returns, you need to factor in ongoing costs also.
100% Funding Plus costs Investment Loan
We can show you how to invest in property with out using your hard earned cash savings.
Positive Cash Flow
We can determine if the investment property will produce a positive cash flow. That means the rental income is higher than the expenses and repayments.
Set up & structuring your investment loan
Its best to consult with an expert. Setting up the loan structures correctly, can be imperative to protecting your investments

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