Aussie: Robina

About

How quick is it to find your loan?

In less than a few minutes, our mortgage brokers will compare hundreds of loans from banks and other lenders and can find the loan that suits you best from our panel of lenders. As your local home loan specialists we can help you get into your dream home sooner.

First Home Buyers

Refinance

Property Investing

Refinancing: should you put the effort in?

We have many customers ask this question. Possibly. you'll need to weigh up the financial benefits against the costs and risks involved. I can help you understand the pro's and cons. Call us today to arrange an obligation free appointment.

Guarantors, Housing Affordability &First Home Buyers

Most first time borrowers aren't aware their family members, usually their parents, can act as guarantors for a home loan. This is an option that allows family members to provide a guarantee in support of a borrower's home loan application by using equity in their own property as security for the loan. It is targeted at those with good ability to repay a home or investment property loan but who lack the sufficient equity to secure the additional funds they need to meet up-front loan costs and associated expenses. We can also assist in processing the First Home Owners Grant on your behalf.

First time investors keen to make the most of it

First time and seasoned investors are starting to make the most of the current market. Rising rents, limited vacancies, competitive interest rates and relatively stable property prices all spell good news for those wanting to climb the property ladder. To create wealth through investment first time investors need to do their homework. A few points to consider when looking to buy an investment property, include:

Suburb reputation and location e.g. close to the city, waterways, parks;

Proximity to transport, shops, cafes and other entertainment;

Proximity to child minding facilities, schools, or other educations institutions;

If it needs any repairs or renovations now or in future, for tenant's comfort and for resale;

If it is a unit, the trustworthiness of strata and the sinking fund level;

The type of neighbours;

Infrastructure planned for the area

How can I use the equity I've built up in my home?

As you pay off your home loan your debt decreases and over the years the value of your property may increase. If you find yourself in this situation, as many living in the local area do, you may have equity which you can draw upon for a range of reasons.

These can include investing in property, upgrading to a bigger place, or renovating your existing home. If any of these sound interesting to you, you'll need to sit down and assess your home loan. I've helped hundreds of clients through this exact process. Give me a call today and I'll review your current home loan to make sure it's working hard for you.

It make sense to review your loan when moving home

If you're considering moving home then you'll need to review your finances. The home loan that you first took out when you purchased your current home loan may have been right for your situation at the time. However, with so many new products entering the market all the time, you'll want to make sure your home loan is still working hard for you in the future. Reassessing your situation will give you peace of mind that you are either doing the right thing by your finances or need to make changes.

Thought about refinancing ahead of further rate rises?

Rising interest rates will impact minimum repayments for variable rate home loan borrowers and could make budgeting a challenge, which is why moving to another loan may save money, time and stress.

Mortgage lenders continue to battle each other for market share by introducing more loan options, which can only mean good news for borrowers preparing for further rate rises. Regularly reassessing your situation provides peace of mind that you are either doing the right thing by your finances or need to make changes.