If you've been thinking about purchasing or are ready to purchase a home, now's the time to start securing your finance!

What is the process?

• In a 15-45min chat, I'll discover what your goals are and where you are on the journey

• With access to 30+ lenders, I match you with tailored finance options

• Lock in your aligned finance choice for your home

A government incentive designed for first time home buyers Australia wide. The what & how of the FHOG will depend on your State or Territory.

How do I know if I am eligible and how will this help me?

• First things first, where you are purchasing will determine what FHOG is available

• The intention is to assist people in securing a home and enter the real-estate market

• https://www.firsthome.gov.au/ is a great reference point, however it's always worth you reaching out as there may be more available to you!

Whether this is your first or an addition to your existing portfolio, I can help you secure the property portfolio of your dreams!

How is an investment loan different to an Owner Occupied loan?

• Lender's structure and offer different products for investment properties

• With access to over 30+ lenders, I match your investment goals with tailored finance options

• Securing great finance can be the difference between an average or great portfolio!

Needs a key and has wheels? No worries!

What are Asset Loans?

• These loans help you purchase and secure the car, caravan or boat that you've had your eye on!

• There are many variables to asset loans that influence your repayments, such as loan term (length) and balloon payments

• Making sure you have a loan structure to match your needs can save you significantly over the life of the loan

A Guarantor is someone who 'guarantees' a loan for someone else - they agree to pay pack the loan if the other person can't.

How does a Guarantor loan work?

• Your home is used as security against your home loan & additional security is taken against your guarantor's home

• This can helps reduce or eliminate your deposit requirement

• If you or your potential guarantor want to know more, book in a time for us to discuss this in depth!

L.V.R stands for Loan to value ratio

You may have heard of this term and thought, what?

• Essentially, a lender wants to know your desired property value and how much you want to lend as a reflected percent

• The loan to value ratio is is calculated by dividing the loan amount by the property's value or purchase price & converted to a %

• The less finance you need to secure the property, the less barriers to securing your dream finance

LMI stands for Lenders Mortgage Insurance

You may have seen this cost and thought what is this for?

• When you are looking for finance that exceeds 80% L.V.R, generally LMI is applicable

• This is the lender's way of gaining additional security, a safety buffer, against higher L.V.R

• LMI isn't always a bad thing. Depending on your circumstances, the cost of LMI affords you the opportunity to secure your home

You may wish to refinance to access lower interest rates, switch lenders or to consolidate your debt. There are many reasons you may wish to do so.

What's the process?

• First things first, know what your current debts are

• Secondly, know what your goals are (lower repayments, refinance and pay off other debt, access equity, etc)

• Lock in a time to run through where you are and where you want to be. I can help you explore your options.

Pre-approval, also known as approval in principle or conditional approval, is when a lender agrees to extend you a home loan up to a certain limit, subject to certain conditions

What do I need to know about Pre-approval?

• Getting Pre-approval can help you refine your property search range and hone in making your dream a reality

• In a competitive market, pre-approval can strengthen your offer on a home

• Pre-approvals have an expiry date and are recorded on your credit file. Book in a time and we can discuss the pre-approval process and timeframe!