Services

Buying Your First Home

Purchasing your first home is arguably one of the biggest financial decisions of your life. With lending guidelines changing and a strong focus on affordability, it has never been more important to plan ahead when getting ready to purchase your first home.

Income & deposit have always been the 2 most important factors when it comes to loan assessment however other factors such as evidence of savings, rental history, personal living expenses, and the good conduct of accounts are now just as important when assessing a borrower’s affordability.

Establishing a good pattern of financial behaviour leading up to getting loan approval is crucial. At least 3-6 months before you think you are ready to purchase is the perfect time to make an appointment to see a Home Loan Specialist to ensure you are on track. Pre-approvals for new purchases are also available to give you peace of mind when you start looking for your first home.

Buying Your Next Home

Purchasing your next home is a little less about nerves and anticipation and more about managing the stress and the transition process. Options such as:

  • Keeping your existing property as an investment and renting it out,
  • Selling via bridging finance,
  • Purchasing subject to sale,
  • Selling first and renting or living with family or,
  • Even selling first and renting back

These are all potential options to consider when moving from one property to another. Narrowing these options down to what is available and what is most suitable is a discussion we can assist with.  

Refinancing

Regularly reviewing new products and special offers to keep you on the right path to achieving your long-term goals is one of the services we provide in addition to encouraging borrowers to make additional repayments and controlling your own loan term.

Our service doesn’t end with the settlement of your first home loan. We will be available 1 week, 1 month, 1 year, and every year onwards to assist you with your existing loan, and any home loan questions you may have. We are all about creating long term relationships with regular financial information and ongoing guidance – in all aspects of your financial life.

Investing

If purchasing an investment property is one of your financial goals or if creating a portfolio of properties is in your plan we can guide you through the best ways to finance these investments. We will listen to your needs and follow the advice of your accountant when it comes to structuring your home loan portfolio. We are here to assist you with comparisons such as:

  • Interest-only v principle and interest
  • Future borrowing capacity deposits or equity required to purchase
  • Cross-securitisation v stand-alone purchases