Home Loans Goulburn NSW 2580

Buying a home and arranging finance can be exciting and at the same time one of the biggest financial commitment most of us will make during our life. Getting your home loan pre-approval sorted out early can ensure you’re in the best position to negotiate your home/investment on your own terms. While the home loan application process can seem daunting, I will make sure it’s simple and smooth for you.

I have access to home loans from a large range of major banks and secure lenders and truly understand home finance and the real estate market. With my access to home loans from a wide panel of major banks and secure lenders I will be sure to find you suitable finance.

I can help with the following loans:

• Home Loans
• First Home Buyers
• Home Loan Pre-approval
• Refinancing / Debt Consolidation Loans
• Property Investment Loans
• Personal Loans
• Construction Loans
• Business Loans
• Equipment Loans
• Bridging Loans
• Non Resident Loans

Home Loans in Goulburn NSW 2580

Deciding on the right home loan can be daunting and time consuming regardless of your previous experience. I will help you understand your financial position and budget, different home loan types, eligibility, available concessions/grants, and the steps to reaching your goal. The key to getting through the process in a seamless manner is ensuring that you have a complete understanding of each aspect involved along with up-to-date information. Because I believe this, you will receive feedback from me at every step of the home loan application process to settlement whilst I take care of as much of the legwork as possible.

Home Loan Deposits

Most banks and lenders will require a minimum deposit of 5 per cent of the value of the property you are purchasing, before they will approve you for a home loan. Depending on the lender and your individual situation, you may be able to fund your deposit from a range of sources, including genuine savings, monetary gifts, inheritances and first home owner incentives. However, most lenders will require at least a portion of your deposit to come from genuine savings.

If you don’t have the deposit required, you may be able to make use of family equity, also known as a limited guarantor loan. The most common form of family equity is where a family member, offers their existing property as security for a portion of the home loan, generally around 20 per cent.

First Home Buyers in Goulburn NSW 2580

Buying your first home is an exciting experience, but there is a lot to think about. I make the home loan application process as smooth and easy as possible, so you can concentrate on finding the right home. As part of my service, I will help you to understand the types of home loans available to you and will assist you in choosing the right one for your situation. If you are eligible for the First Home Owners Grant or any state government first home buyer assistance, I will help you fill in the paperwork.

Home Loan Pre–approval

Home loan pre–approval is an invaluable tool and a great way to ensure you know how much you can afford to pay for a property before you even start looking. A written pre–approval can also give you an advantage when negotiating on a property with a vendor, as opposed to someone who has no pre–approval or finance in place.

Property Investment Loans in Goulburn NSW 2580

Property investment can be a smart wealth creation strategy, if you get it right. And that doesn’t just mean finding the right property – you need the right investment finance as well. Your investment loan package should be tailored to your investment strategy and goals. I work closely with your financial planner and accountant to make that happen. Whether you are an experienced property investor with a big portfolio, or just starting out with your first property, I can help you get the right investment loan for your circumstances.

Business and Commercial Loans

Business and commercial loan options vary depending on whether you are a start-up or existing business, whether you are buying commercial property, undertaking a property development, expanding your business or need some cash-flow funding, assistance from a good commercial finance broker can be invaluable.

Debt Consolidation in Goulburn NSW 2580

Debt consolidation can be a handy solution when you are struggling with repayments on several debts, such as your home loan, credit cards and personal loans. Debt consolidation works by combining all those debts into your home loan, which is generally the debt with the lowest interest rate. Because the interest rate is lower, and the loan term is usually longer, your monthly repayments will drop, giving you a bit of breathing space.

Remember, if you make only the minimum required repayments, you will end up paying more in interest charges over the life of the loan than if you had left your debts separate. And debt consolidation will not fix the underlying problems, so be sure to get assistance from a financial planner to rectify your financial situation.

Low Doc Loans for Self–Employed Borrowers in Goulburn NSW 2580

Many self–employed borrowers need a loan that isn’t quite standard, mostly because they don’t have the full financial history required to get a regular loan. Low documentation, or low doc, loans fulfil the needs of many self–employed borrowers. You’ll still need some financial history and paperwork – often about 12 months BAS statements and an ABN that has been active for at least 6–12 months.

Construction Loans

Building a new home is complicated enough, without having to worry about the finance. I have helped many clients obtain a construction loan swiftly and simply by ensuring that each step in the process is completed diligently and to their specific needs. Whether it be for an owner occupied property or an investment property, I can help you build towards your goal.

Upgraders / New Property Buyers – Bridging Loans

Financing the move from one property to another can be quite stressful, especially if you are yet to sell your home – a bridging loan can help free up the funds that are tied up in your current property to purchase the next one. With a bridging loan, your lender will use both your current and new property as security and lend you enough to buy your new home.

While you are waiting for the sale and purchase process to be completed on both your current and new property, you make interest only repayments on the loan, or maybe even no repayments at all (referred to as capitalising the interest). Once you have sold your old home, the proceeds go towards paying off your bridging loan. The amount left over (known as the end debt) is then transferred to a standard home loan, becoming the home loan on your new property.