Wether you are buying your first home or your 21st home, retirement unit or secondary dwelling for you interstate travel, we can develop a strategy and obtain suitable finance for you with a competitive rate. Currently both major lenders and 2nd tier lender including Credit unions, online banks are fighting for market share, driving down the cost of home loans making it an opportune time to refinance your existing home loan or purchase a new home.

Buying your first home – It can be both the most exiting and most daunting experience. Finding your home, negotiating with a real estate agent, finding insurance, finance, solicitors, accountings you can find yourself making the most amount of difficult decisions in the shortest amount of time.

Our First Home Buyer Home Loan solutions can help you through the entire process. From lender selection to assistance with recommendations to professional services, our process is easily understood and able to be used.

We were once first home buyers and regularly provide home loans to first home buyers, and discovered some key things to make your job easier. The earlier that we can help you to plan for financing your home the sooner you can start to save for a larger deposit, understand key lending requirements and make small steps towards purchasing your home and securing a low rate, low fee home loan.

Buying another home for your family – We recognize life is dynamic, with change being the only constant. For you it may involve purchasing another home for your family or children, getting back into the market after a recent divorce settlement.

You may be familiar with the lending process and the home loan environment, but may require a financing strategy on how to keep your existing home, finance a new unit or fund an extension for your adult children to move back in. Understanding your home loan options and funding options that may not have previously been considered in light of your current situation is our job that we do well.

• Type of property – If you are buying a hobby farm, check the zoning. If it is zoned “rural-Residential”, certain lenders will not provide loans, whilst others will provide a lower loan amount requiring you to put more deposit in. If for example you have found a nice unit in Byron bay you may want to consider what type of complex your are buying in as this too may have an impact on which lender we recommended.
• Your Age – Whilst lenders cannot legally be seen to discriminate on age, if you are over 55 looking for a weekender, more often than not the bank may assess your scenario in a different light.
• Legal Structure. If you are planning to purchase your home in the family trust, or other legal entity the spectrum of our 40 panel lenders may be reduced.

The earlier that we are involved in the planning phase of your intended holiday home the more effective we can be.

Buying a retirement home comes with another layer of complexity. Certain lenders do not fund the purchase of an over 50’s retirement unit or retirement home, whilst other reduce the amount they are willing to lend. Planning your home loan strategy is key to mitigating the various factors in purchasing a retirement home or over 50’s unit. Contact us now to discuss your current scenario to see how best we can help you.