Owner Occupier / Resident
We’re serious about looking after you.
First Home Buyers
We recognise this is new to you, so we’re the home loan experts on your side to look after your finances every step of the way
We can help you navigate your way through the process of understanding and applying for finance. Let us structure a loan package to ensure you get the best rates but also have the flexibility to make changes easily in years to come.
We can also help you get pre-approved so you’re ready to pounce as soon as you find “the one”.
Upgrading Your Home
You’re moving on in life and we’re there for you as you grow and prosper.
Maybe your family has grown, you want to move closer to better schools or you’re just ready to upgrade to a bigger home or a different area.
It’s always a juggling act to sell one property to finance another. And changing lenders or loan products can have its challenges too.
Let our Perth mortgage broker team measure up the pros and cons for you, help keep the balls in the air as you juggle the changeover and ensure you can enjoy your new home without worrying about your mortgage.
Finance Options
Our range of finance options include:
Professional Packages
This finance option is suitable for large sums of money with the option to bundle together several products and save.
Construction Loans
This finance option is generally short term whereby the lender takes an ownership interest in the building funded.
Bridging Loans
This is typically taken out on top of your current home loan and is an interest only payment loan with a limited term.
Split Loans
A split mortgage allows you to capitalise on the benefit of both the security of a fixed rate loan and the flexibility of a variable interest loan.
Line of Credit/Equity Release
This is an ongoing agreement with a financial institution to give you access to an amount of credit whenever you need it which is secured against the equity in your home.
Broker Tips To Secure A Loan
A Substantial Deposit
The bigger the better when you are saving for a home. A minimum 5% deposit is a good goal.
A Regular Savings Habit
A history of regular savings in your bank account and a solid track record of employment will make it easier for you to get a loan.
Pre-Approval For A Loan
Don’t leave finance to the last minute. Once you have pre-approval you will know what your repayments will be and how much you can afford to spend on a property.
Additional Savings
These funds will act as a buffer if interest rates rise and your repayments increase.
A Clean Credit History
Your track record has a big influence on your future borrowing capacity.
Refinancing Your Home Mortgage
In many cases we can help you drive a better deal with your existing bank however, there’s always another bank out there wanting to present their options.. Ultimately our advice is always around getting you the best outcome, and we work to ensure we achieve this.