Finance for first-timers

Buying your first home can be very overwhelming. We are here to provide you with options, guide you through the process, and keep you informed every step of the way.

We can also help you understand understand more about government incentives that may be available to you.

Jump into Your Next Property

Typically, people sell their old home before buying their new one with the available equity – but there are times when buying first may suit you better.

In a nutshell, a bridging loan provides you with the funds you need to buy your new home before you’ve sold your current property. During the “bridging” period while you’re trying to sell your old property, you essentially have two loans and when your home is sold the original mortgage is discharged and the bridging loan is then often converted into your home loan for your new property.

New Beginnings

Purchasing land and building a home is an exciting but also a time-consuming process – leverage our expertise to ensure you can spend more time thinking about carpets and countertops, and less time dealing with bank websites and call centres. We’ll help you understand your options and secure a competitive loan that’s matched to your financial goals.

Finance to Build Your Wealth

With a historically strong property market, many Australians dream of building a real estate portfolio as a way to create wealth for their family. We understand the different requirements of investment loans versus home loans, and can help you – whether it’s your first property or your fifteenth.

Read more about your investment loan options here...

FINANCE TO LEVERAGING EQUITY

For many first home buyers, saving the initial deposit is a real struggle. This is where a parental (or family) guarantee can help.

Basically, the guarantor can use their home's equity to guarantee part of your loan. The advantage of a family guarantee is that it helps you get into your new house sooner by reducing or avoiding LMI (Lenders' Mortgage Insurance) without having to have a big deposit.

Refinance to access funds

If you've been in your home loan for quite some time and/or there has been an increase in your property value, you may have the ability to access some of that equity. You can use these funds for pretty much any purpose, including but not limited to paying off debts, education, non-structural home improvements, and investment. 

Let us guide you through your options.

GO BIGGER & BETTER

If you need extra space and are looking to perform a structural renovation, then you may be surprised to learn that there are specific loan products available for this purpose. These include staggered releases of funds, allowing you to pay building costs as they come due, without paying interest on the whole amount from the start of the project.

Talk to us about your options and what might work best for you.

Refinance to Save 

Do you need an offset account, redraw facility, flexible rate, or loan portability?

Refinancing enables you to re-stretch your loan out over 30 years to lower your repayments and free up cash flow. At the same time, all variable home loans allow you to make unlimited additional repayments, so you’ll be free to increase at any time and pay down your loan when your cash flow increases.

We can help you decide the right approach for your circumstances.

Combine Your Credit Facilities

Having multiple debts and juggling various monthly repayments can be overwhelming. Refinancing to consolidate your debts can enable you to streamline your finances. You do need to keep in mind that this can turn short-term facilities into long-term ones, meaning you could pay more in the long run.

We can help you map out the impacts of various options, so you can make an informed choice about what works best for you.