To help us recommend the most appropriate mortgage lender and loan structure for you, we consider the following:
First Home Buyers
Subject to certain criteria, some mortgage lenders will lend 90% of the purchase price – a genuine 10% deposit is required.
First Time Property Investors
The equity you have in your home can be used to get you started. This means you can 100% finance an investment property with no cash down. The same principle applies to equity you may have in an existing investment property.
Mortgage Interest Rates
Mortgage Lender’s Fees and Contributions
We negotiate to minimise application fees (if any) and negotiate for mortgage lender contributions towards your legal and/or valuation fees, where possible.
Mortgage Lender’s Criteria
The mainstream banks and non-bank lenders have different mortgage lending criteria and the amount they will lend a certain borrower can sometimes vary by tens or even hundreds of thousands of dollars.
Type of Mortgage Product
There are numerous mortgage products available and some are more expensive than others. We recommend a mortgage product or a mix to suit the repayments you are comfortable with on your home or the cash flow you are looking for on your investment property.
Maximise your Borrowing Potential Today
Adverse changes in a mortgage lender’s criteria or your personal circumstances could mean that you may not qualify for further borrowing. We protect against this by applying for the maximum you can borrow today - it means you have funding available before you need it and mortgage interest is only payable when you use it.
Property Risk Management and Insurance
Click here to learn more about our Mortgage Finance Service, our Mortgage Loan Application Process or to book a Mortgage Finance Meeting.