FINANCE AND LENDING
The world of Finance and Lending can be confusing at the best of times. Our job is to help you get informed about what your options are and guide you through the process from start to finish.
We specialise in Residential and Commercial Finance, so it doesn't matter if you're looking to buy your first home, or acquire a warehouse for your growing business, we'll walk you through the entire journey.
FIRST HOME BUYERS
Banks and brokers love to talk to you as if you’re a tenth-home buyer.
But home loans aren’t really covered on your home reno shows, so we’re here to simplify the information overload, ground your purchase in reality, and keep you focused on the really complex issues (like what to do about those cabinets…)
UPGRADING
If you have outgrown your existing home, or thinking you're ready to move on, upgrading and buying your next home is less hassle than you might think.
Upgrading can be a great opportunity to refinance lenders and get a better deal / features than you currently have access to. The trick is timing.
We will work with you and your team to coordinate a seamless transition between your property sale, obtaining finance for your next property, and negotiating the perfect settlement date.
CONSTRUCTION
Are you building on vacant land, doing major renos, or knocking down an existing property to build? There’s a special loan just for you.
However, construction finance is its own burly beast, so we’ll walk you through the ins and outs before you get the high-vis and hardhats.
INVESTMENT LOANS
When buying an investment property, getting the best deal on financing is key: a dollar saved > a dollar earned.
Ownership structure, long-term costs, income, future investment plans and risk management are all influenced by your lending options. And because finance loves making itself as complex as possible, the reverse is also true.
The good news is we’re as invested in this relationship as you will be in the fancy new loan you’re eyeing.
REFINANCING
Just once you know the rules of the game they change ‘em. Lenders are constantly coming out with bright shiny new products, meaning the grass sometimes is greener (and has that patio you’ve been saving for).
If you can keep up, you can keep more cash: refinancing can save thousands over your loan’s life, or help you find a new loan that better reflects your current reality.
Of course, not every new loan = a good loan. We’ll help sort the duds from the winners and get you the best fit possible
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COMMERCIAL FACILITIES
Commercial properties and loans can come with their own set of rules and guidelines (quite literally).
They are very different to the world of residential property, as they can be tailored to suit your business or investment needs.
Before you jump in, we will help you sort your options and make sure any property or loan will be the right fit for you and your goals.
SELF MANAGED SUPER FUND (SMSF) LENDING
Supers don’t feel so super when they’re just sitting there, which is where SMSF comes in handy: they let you borrow from future retirement to fund a property in the present.
It can be super useful—when done right. However, the taxes and rules around SMSF are complex, so you’ll want us by your side to make sure future you can stay kicked back on the beach while you borrow in the here and now.
It doesn't matter what you're planning - we're keen to help you along that journey.