Quite simply, we are mortgage brokers who specialise in getting finance for brand new properties for owner occupiers and investors.
Buying your first home is definitely a massive event for most people. There’s a deposit to save and a lot of jargon to learn. We simplify the borrowing process for you and work out a plan to buy your very first home.
We’ll assist with the First Home Buyer Grant scheme application and consider other possible costs which might be required for borrowing (e.g. renovation).
With our wide network in the property market, we can connect you to other associates such as builders and renovators to ensure you get your dream home whilst staying within your budget.
With access to our lenders, we get a competitive rate to suit your financial situation.
Nothing brings us greater joy than helping our clients get the property they want.
We are specialist mortgage brokers
As part of our fixed-fee package, we’ll work with you to find you a loan that suits your circumstances. We will carefully assess your financial circumstances and will organise a loan for you that will leave you confident that you are making the right choices.
Once we have found the right loan for you, we will make an application to the lender for formal finance approval. We won’t make the application until we are confident that your loan will be approved. This is important because if you get knocked back then it may damage your credit rating.
There’s a lot to consider before taking out a mortgage. Securing finance is a lengthy process, sometimes taking up to a month or longer. Before anyone offers you a loan they’ll want to assess your eligibility. This includes your credit record; deposit size; employment status and debt history.
After your loan application has been approved, you’ll be issued a ‘home loan guarantee’ or ‘pre-approval certificate’. This means that you have been approved for the loan agreed upon, based on conditions set out by the lender. Loan approvals typically last around six months but can be extended if you need more time to find a property. After which, we will continue the discussion in purchasing the property you’re after.
As part of the deal we guarantee that if for some reason there are no lenders willing to provide finance, or if you simply change your mind, then we’ll refund the entire package fee in full. It’s a win-win situation!
Refinancing or switching home loans could free up cash for renovations, an investment property or other purchases. We can help you work out if it’s the best option for you and, if so, arrange the home loan that is right for your situation.
Refinancing with a new lender may get you access to better features. On the other hand, refinancing with your current lender could also be beneficial considering your new requirements. You may require additional or alternative features that provide added flexibility such as an offset account or allow you to pay your home loan off faster.
If you have been in your current home for a while, you may have built up some equity, and refinancing can be a way to free up some available funds to achieve a variety of goals such as home renovations or you may want to purchase an additional property as an investment.
There are a few reasons why buying or investing in a new property is better than older properties:
Speak to us today about your mortgage broker needs or if you’re keen about investing or buying a property.
We’ll be in contact with you as soon as possible.
Book a free consult with us and let’s get to know you.
Ready to analyse your financial circumstance to buy a property?