If you’re wondering what you can afford, the kind of deposit needed, if you can get help from family, whether you get a loan even if you have bad credit, or what the difference is between fixed and floating rates – we have all the answers and are here to help.
Our mortgage experts offer special products to help you achieve your dream of owning a home. We help you understand the changes in loan-to-value restrictions and what this may mean for you and your first home mortgage (and how we get better rates from the Bank!)
Purchasing your first home is so much more than checking out a few properties! It’s about planning your future and is likely one of the biggest financial commitments you’ll ever
make. Whilst buying your first home can often feel daunting, we are here to guide you through the process.
One of our experienced Mortgage Advisers will navigate you through everything you need to know about the home buying process so that your experience of getting onto the property ladder runs as smoothly and as stress free as possible.
In addition to comparing interest rate and loan structures to help you find the best possible loan option to suit your needs, we can also help you with:
Private and commercial vessel owners and operators, as well as associated businesses, require marine insurance, including:
You might think that buying a property second time around would be easier than buying your first home, but often changing properties can be more complicated.
We will be able to help guide you on how the market may have changed since buying your first home and be able to find the best deals currently available to suit your needs from our large panel of lenders. They will also be able to answer important questions such as whether to sell or buy first, whether you will need a bridging loan and what happens to your existing mortgage when you make the move.
There are a number of things you need to know when you are considering purchasing a rental property or building your property portfolio.
Investment loans range from simple home loans to more complex, out of the box solutions. When done right an investment property can offer both a reliable income and a tangible investment, but only if the work is put in initially to get the numbers to stack up. That’s where having expert advice comes in! The great news is that whilst having the right investment plan can save a bundle, it won’t cost you a cent to talk through your options with us.
Some key questions your adviser will be able to help you out with along the way include:
Once you have set up your mortgage with regular automatic payments being made, it can be easy to forget about it. It is important however, to regularly review and assess it over time to make sure it is working as effectively as possible as lifestyle or market interest rate changes affect your mortgage needs.
Some of these changes may include:
There are vast array of choices being offered by banks and other lenders in order for you to take out finance with them such as cash backs, limited time interest rates, gifts or even holidays! As enticing as such offers may seem, it is important you take a step back to consider the most important factors in determining how much it will cost you in the long term such as interest rates and the structure of your mortgage.
The interest rate is obviously an important factor in your decision. Even just a small reduction in your interest rate can add up to tens of thousands of dollars saved over the lifetime of your mortgage. However, the loan with the best interest rate is not necessarily the best option and over the long term may actually cost you more.
It is also important to also consider the structure of the loan in determining how much you pay in the long term. This will involve decisions about whether you have your mortgage on a floating rate, have a revolving credit account; use a fixed rate, a capped rate or an offset mortgage. Or maybe you would be better with a combination of these. Whilst having this range of options can help ensure that you get a mortgage to suit, it can also be confusing! That is where a mortgage adviser can help.
