Mortgage Broker in Sydney & Melbourne
Do you know how much you can borrow and how much deposit you need? I specialise in first home buyers in Sydney & Melbourne on
- how to secure the right finance
- what properties you can afford
- what stamp duty exemptions and first home grants you are qualified for
- how much your repayments will be
- what your maximum borrowing capacity is
- what the minimum deposit you can begin with
With a panel of more than 30 lenders, I always find a solution for first home buyers.
Buying a home is both exciting and stressful. It's a major decision and having a broker on your side will help you make an informed decision.
Are you self-employed but not sure if you're qualified for a home loan? Lenders have a different way of assessing the income of self-employed applicants. As a self-employed person, you can be classified as a full-doc applicant or a low-doc applicant.
Seven steps to buying your first investment property
WHICH LENDERS WANT YOUR BUSINESS?
As APRA tightens on investment lending, lenders are now after loans against properties where you live as opposed to loans against investment properties. CBA recently stopped accepting investment loans that are refinanced from other banks and has reduced their loan to value ratio (which is the percentage of the loan against the value of the property) to 90% for new investment loans.
IS THE GREAT AUSTRALIAN DREAM OF OWNING A HOME UNACHIEVABLE?
A majority of Australians are saying that the traditional dream of owning a home is becoming Increasingly difficult. As it stands, in Sydney the average home costs 12 times the average household income. The property market has become so expensive that owning a free-standing home on a quarter-acre block is fast fading. Over the last few years, we have seen the number of first home buyers and Australians that are calling apartments home. Apartments are less expensive and are usually located in the city close to work.
How can First Home Buyers in Melbourne and Regional Victoria Purchase their Dream Home Sooner?
The Victorian government recently announced that it will abolish stamp duty for First Home Buyers purchasing a property valued up to $600,000, while discounts will be available for homes valued between $600,000 to $750,000. This new rule will take into effect on the 1st of July 2017. And it will be applicable to both new and established homes.