House & Land
Building a home is different from buying an established property. With a house and land package, finance generally covers the land purchase and construction, with construction funds released progressively as your builder completes each stage. Understanding your land contribution, construction loan, progress payments, valuation and cash flow before you start can prevent costly surprises and help you build with confidence. Potentially a First Home Owners Grant may increase your capacity and we have options to help you purchase that are both Federal and Government Initiatives, we will find which package works best for you.
Purchase
Buying an established home involves more than finding a property you love. Your finance needs to work alongside your deposit, borrowing capacity, loan structure and future plans. We explain how the lending process works, what the numbers mean and how different finance structures may affect your repayments and future opportunities, so you can make an informed decision before committing to your purchase. Stamp Duty varies depending on your status and your income and deposit will effect your servicing capacity. We will guide you through to lodgement so you understand the process.
Investment
Investment finance is used to purchase property with the intention of generating rental income and building long term wealth. The way your investment loans are structured can influence your repayments, equity and future borrowing capacity. We help you understand how your investment finance fits with your existing lending and how today's decisions may affect your ability to purchase additional property in the future. This the foundation on which we build wealth, we will help you navigate the government changes to your advantage.
Off the Plan
Buying off-the-plan is different from buying an established property because you are committing to a property today that may not settle for months or even years. We help you understand what needs to happen between signing the contract and obtaining finance at settlement. That includes assessing your borrowing position, understanding the deposit and funding requirements, monitoring changes to your circumstances and preparing for the lender’s valuation and final approval. We carry you through the process so you understand not only what you can borrow today, but what needs to remain true when the property is ready to settle.
Refinance
Refinancing is not simply replacing one home loan with another. The new lender still needs to assess your current financial position, repayment capacity, credit history and the property being offered as security. Your existing loan, debts, income, expenses and property value all form part of the picture. We take you through the process, review your current loan and identify the reason for refinancing, through to comparing alternatives, valuation, approval and settlement — helping you understand whether changing lenders actually improves your position rather than simply giving you a different interest rate.
Let's see if your current rate is building you wealth or bleeding you dry.
Business Loans
Business finance is less about simply finding a loan amount and more about understanding how the business generates and repays its debt. Depending on the lender and facility, the assessment can consider business financials, bank statements, trading history, cash flow, existing commitments, the business and personal credit profile, security and the purpose of the funding. Some business lending can be highly streamlined, while more complex applications require a deeper financial assessment. We help you understand what the lender is actually looking for, prepare the right information and structure the application around how your business operates.
Car Loans
Buying a car is about more than finding the right vehicle — it’s also about understanding how your credit profile can affect your finance options. Your credit history, existing debts, income and loan structure can all influence how a lender assesses your application. We help you understand your position before you apply, so you can make an informed decision about your finance and avoid unnecessary credit enquiries.
Personal Loans
Personal loans can be used for a range of purposes, from major purchases and renovations to unexpected expenses or other personal needs. The right loan depends on your circumstances, how much you need to borrow and how you intend to repay it. We help you understand the available options, costs and repayments so you can choose a structure that fits your broader financial position.
Debt Consolidation
Managing several debts can make it difficult to see the bigger financial picture. Debt consolidation may allow eligible debts to be combined into a single loan, potentially simplifying repayments and making your finances easier to manage. However, consolidation isn't automatically cheaper — extending the loan term or securing previously unsecured debt can increase the total cost. We assess the numbers with you and explain the advantages, risks and alternatives before you make a decision.