Mortgage Broker servicing Willaston, Gawler, Evanston Park and surrounding suburbs
Whether you are buying, investing, refinancing or building your dream home it can be made very easy with the help of Ben. With over 30 lenders on his panel, his knowledge of finance and love for real estate, Ben will ensure the loan application process will be smooth from beginning to end.
For something as major as your home loan, it is important to know what benefits a mortgage broker can provide you instead of going directly to the bank. As a mortgage broker i have access to over 30 lenders you know and trust as well as 1000 different loan products. I can assist you with owner occupied loans, investment loans, buying your first home, construction loans and guarantor loans.
Investment Home Loans
Whether you are looking to purchase your first investment property or you already have an investment portfolio, I can assist you. If you are unsure where to start I can sit down with you and go through your assets, income and expenses so that we can get a better understanding of how much you can afford to borrow to invest. Make sure you have a mortgage broker on your side as well a good accountant and property manager looking after your biggest assets.
Knowing exactly what to expect when building your home is a key part of a successful build. Building can be a complex process that involves multiple parties including; builders, contractors, solicitors, accountants, quantity surveyors and the council. It is in your best interest to choose a broker who knows the in’s and out’s to a construction loan; that's where I come in.
First Home Buyers
Buying your first home can be very daunting but exciting. I will assist you through the whole process, from our initial meeting, which I will go through with you all aspects of your loan and any questions you may have. The most commonly asked questions being; How much deposit do I need? How much can I borrow? How does the first home owners grant work?
The most important thing to ask yourself when you are considering to refinance is, will this put me in a better position? I can go through the sums and costs involved in changing home loans. If it's going to put you into a better position then why not?
How does a guarantor loan work?
One of the biggest barriers to buying a home is coming up with the deposit needed to cover the lenders requirements and also the associated fees (such as stamp duty & lenders mortgage insurance). A guarantor loan can reduce and even remove the need for any deposit at all. This is done by taking security over another property. Typically a family member will be the one to provide their home as security and they must have the required equity available in their property to do so. This amount will be different based on the loan amount and purchase price of your new home.
How much deposit do I need?
The most common question that I get as a mortgage broker is about the amount of deposit required. The answer will depend on what lender we use, what the purpose of the loan is (owner occupied or investment) and where we buy (metro or regional). It will also depend on whether you are trying to avoid paying lenders mortgage insurance (which requires a higher deposit) or whether you are looking to pay the minimum deposit required.