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Home Loans in Noosa

Getting your home loan sorted out early can ensure you are in the best position to negotiate for your home on your own terms. And while the home loan application process can seem daunting, it is often simpler than most people think. I have access to home loans from a large range of major banks and secure lenders, and I truly understand home finance in a real estate context.

Whether it be a home loan, equipment loan, investment loan or refinancing my extensive training and experience along with a high attention to detail and duty of care ensures a seamless, informed and simple process to reaching your goal.

A wide range of products is the foundation of the exceptional service that I provide to my clients and from this I am able to work towards the best possible outcome for you – not the banks. Such a strong foundation allows me to focus on and enjoy what being a Mortgage Broker is all about – guiding you through the entire process completely informed and hassle-free. After hours meetings to suit your busy schedule, 24hr availability and  comprehensive feedback each step of the way are all a part of my  service.

Customer and Loans Available:

• Home Loans

• Construction Loans

• Personal Loans

• Debt Consolidation Loans

• Investment Loans

• Business Loans

• Equipment Loans

• Bridging Loans

• Non Resident Loans

First Home Buyers

Deciding on the right home loan is always daunting, no matter what your previous experience. In a plain and simple manner 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 in the process of obtaining your loan from application to settlement whilst taking care of as much of the “legwork” as possible.

Home Loan Deposit in Noosa

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 buyer incentives; it is important to note, however, that 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, usually your parents, offers their existing property as security for a portion of the home loan, generally around 20 per cent.

Home Loan Pre-approval in Noosa

Pre-approval for a home loan is an invaluable tool when searching for and securing your new home. A written pre-approval can inform you of your budget whilst also giving you leverage against those who do not have their finances secured and in most cases lasts around 3 months.

Property Investment Loans

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, otherwise you may find yourself throwing money away for nothing. Your investment loan package should be tailored to your investment strategy and goals, so I work closely with your financial planner and/or 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/Commercial Loans in Noosa

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.

Low Doc Loans for the Self-Employed

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.

Refinancing in Noosa

There are many avenues to choose from when it comes to refinancing your current loan, but the first thing to determine is what about your current situation you would like to improve. More options such as offset accounts, a reduced overall interest rate, or simply an easier management scheme are all ways which may improve your current situation. I have helped many clients consolidate their debts and renegotiate their existing loans, and I look forward to helping you.

Debt Consolidation in Noosa

Debt consolidation can be a handy solution when you are struggling with repayments on several debts, such as your home loan, credit cards, store 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.

Investment Loans

Investing is about putting yourself in the best possible position to build your wealth. Understanding of the various loan types and structures available allows me to tailor your investment finance to each specific situation for the best return long into the future. I have a wealth of personal experience when it comes to investing in property, through my own and family endeavours, and look forward to helping you build your own investment portfolio.

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 dilligently 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 – how do you free up the funds that are tied up in your current property to purchase the next one? A bridging loan can help. 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 (called capitalising the interest). Once you have sold your old home, the proceeds go towards paying off your bridging loan. The amount left over, called the end debt, is then transferred to a standard home loan, becoming the home loan on your new property.

For more information on home finance talk to Daniel Agung

• State: Queensland, QLD

• Broker region: Sunshine Coast

• Suburbs: Noosa, Peregian Springs, Coolum Beach

• Daniel Agung provides mortgage broking services in suburbs including but not limited to: Noosa, Peregian Springs, Coolum Beach, Buderim, Maroochydore, Caloundra, Caboolture, Kawana