Whether your buying your first home or an avid long term investor purchasing a property is one of the most significant financial decisions you’ll make.

Our home loan services are designed to simplify this process and help you secure the best finance for your needs.

Purchase Types:

First Home Buyers: Purchasing a first home is an important milestone. The Government offers state based FHB various loan incentives including low deposit options and government grants. Our team will assist with the entire process, from pre-approval to settlement to ensure a smooth experience.

• Upsizing or Downsizing: Whether expanding for a growing family or downsizing for retirement, we can assist. We’ll help you find the best loan options for your needs and aim to make the transition smooth.

Investment Property Purchases: Investing in property can be a method used to build wealth. We provide loan solutions for purchasing investment properties, including leveraging equity and accessing competitive interest rates.

options for

Construction Loans: Looking to buy land and build your dream home. We have vast experience in working with builders and will work with you right through your build ensuring your progress payments are paid smoothly to ensure no delay in works.

Self Employed: Our team is experienced in both Full Doc and Lo Doc applications with a multitude of lenders we are able to use to assist you with your property purchase.

Why Choose Us:

• Expert Advice: Our team of experienced brokers will guide you through every step.
• Competitive Rates: We work with multiple lenders to find the best rates and solution for you.

Interest Rates

1. Fixed-Rate Mortgages:

• Your interest rate and monthly payments remain the same for the entire loan term, typically 1 to 5 years.
• Benefits: Predictable payments make budgeting easier; protects against interest rate increases.

2. Variable-Rate Mortgages (Adjustable-Rate Mortgages – ARMs):

• Description: The interest rate changes periodically based on a benchmark rate, leading to fluctuating monthly payments.
• Benefits: Allows you the benefit of reduced payments should interest rates decrease.

3. Interest-Only Mortgages:

• Description: You pay only the interest for a specified period (typically 1—5 years), after which you will revert to principal and interest repayments.
• Benefits: Lower initial repayments; more cash flow flexibility in the short term.