A Home Loan can be one of the biggest decisions anyone will make in their life and choosing the right one has become more complex as the industry becomes more competitive.

Finance Advisers are consumer advocates in the home loan selection process, helping homebuyers to pre-qualify, select a home loan and complete the required mortgage documents. They follow your new home purchase, investment or refinance through to settlement providing a smooth and convenient transaction. Consumers receive an expert mentor to lead them through the complex home loan lending process. A Finance Adviser offers the consumer the convenience of doing all the leg work to access an affordable home loan while balancing the consumers financial interests and goals..

We will complete all the mortgage applications for you to ensure your home loan application has the optimum chance of success. Our custom mortgage broking software compares all mortgage rates, fees and hidden costs so we can deliver you the best value home loan for your situation.

A pre-approval gives you an indication of the maximum amount you can borrow. By getting your pre-approval you have the power to negotiate with confidence.

In some cases yes, it will depend on how much you are borrowing, and the value of your property.

Self Employed borrowers have a number of ways to confirm their income other than Tax Returns. Contact us to discuss your individual circumstances.

We help assess all your options, whereas the Bank is restricted by being only able to present one view.

In order to borrow funds using you superannuation funds a self managed super fund SMSF needs to be set up. Costs associated in setting a SMSF can vary from $3,000 on average upwards. Lenders are now lending money to SMSF’s through a set up property trusts and trustee’s. Advice from lawyers and experts is required when pursuing these setups. Most lenders will loan between 70% and 80% so you will need to have enough funds in your superannuation fund to cover a 20% to 30% deposit and fees required to complete the purchase. Servicing needs to come from proposed rental income and Superannuation contributions. Purchases made from the SMSF are at arm’s length and all purchases need individual property trusts set up for each purchase the SMSF makes. For more information give us a call.

Most banks will accept most visas but this will vary from lender to lender. The most common Visa is 457 but others would certainly be considered. If you are not sure send us an email and we confirm for you.