Loan Market Mortgage Adviser servicing Gawler South, Gawler, Evanston and surrounding suburbs
About Elise Twiggs
Home ownership can be one of the most important decisions in a person’s life that is why it is essential that you make informed decisions and get the right deal for your personal circumstance.
Finding the home that you have been looking for can be an exciting time, often met with confusion when it comes to financing your ownership goal. As a Loan Market representative I have access to a lending panel of over 30 lenders. Now is a great time to invest in real estate, whether it be to occupy it yourself, or to invest in your future, so let’s get started in achieving your real estate goals.
First Home Buyers
If you are considering purchasing your first home, or have already taken that first step in making an offer, firstly I would like to say congratulations, it truly is an exciting time. There are quite a few things to consider when buying your first home, I will help guide you through the finance process by conducting a full product review and explaining available products suited to your individual circumstance. Are you eligible for state government grants to help finance your purchase? I will help you complete the necessary paperwork to apply.
A written pre-approval is a great way of knowing how much you may be able to borrow from different lenders, and may even give you an added advantage during negotiations on a property. A pre-approval is also a great way to bid confidently at auction, as you know your limits prior to bidding. Pre-approvals are usually valid for about three months, giving you plenty of time to find exactly what you are looking for instead of compromising due to budget uncertainty. Wouldn't it be great if you are purchasing a new construction to know exactly how much you may want to contribute to those upgrades you have dreamed of?
Investing in your future
Purchasing a home for investment purposes can be challenging even for the most astute buyer. In today’s financial climate, having a broker among your network of professional advisors is essential in ensuring you are receiving the right deal for your individual circumstance. I will work closely with your accountant and financial planner to ensure you are receiving the right investment finance to achieve your short and long term investment goals.
How much deposit will I need?
Most banks will require a 5% deposit sourced from genuine savings. If you are not in a position to prove genuine savings there are alternative options available. One such option is a limited guarantor loan, also sometimes called a family pledge. A limited guarantor loan uses equity in a family member’s property to secure against a new purchase, reducing the upfront cost to the purchaser. In some case’s this option also allows the purchaser to avoid paying lenders mortgage insurance. Gifts and inheritances may also be used in some cases to help fund
your purchase, contact me today to discuss the options available to you.
When was the last time you reviewed your mortgage? The finance industry is ever changing in what products it has to offer with lenders strongly competing for your business. You may be surprised by how much you could be saving on your current mortgage. Refinancing requires careful consideration and should be thoroughly evaluated to ensure it will be of benefit to you. Contact me today for a full mortgage review to see how much you could saving.
I am able to assist with a wide range of finance enquiries including, but not restricted to, owner occupied home loans, investment loans, refinancing, personal loans, debt consolidation, and vehicle leasing. Assisting you to obtain the right finance is just one step in the process, I can also assist you in ensuring your investments are protected by putting you in touch with our reputable insurance providers.
So what are you waiting for, let’s take the first step in achieving your property dreams today!