Loan Market Finance Broker servicing Clare Valley, Gawler, Barossa, Mid North, Yorke Peninsula and Eyre Peninsula regions of South Australia.
Whether you’re a first home buyer or looking to purchase your 3rd investment property, you will need to speak to an expert who can calculate your borrowing power, deposit/equity required and get you the loan that suits your wants and needs.
Investment home loans
When considering buying an investment property, it should be dealt with as a business decision. Taking the emotion out of buying a property is hard, but essential if you want your investment to do well in the long term.
If you've met or known someone that has built a home, they will usually tell you how stressful the whole process was. This is largely due to that fact that they were not educated on exactly what to expect throughout the process. I can help guide and educate you through the construction loan process.
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, where 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 owner grant work?
Asset finance simply put, is the capacity to finance the purchase of assets for the self-employed, small business owners, contractors.
The most important thing to ask yourself when you are considering refinancing is will this put me in a better position? I can go through the process and costs involved in changing home loans and if it's going to put you into a better position then why not?
Whether it’s consolidating those annoying credit card debts or borrowing to do some extensions on your home, people use personal loans for many reasons. Just like home loans there are many different lenders and many different interest rates. I can show you which lender is most suited to your purpose and who is offering the most competitive rates.
When you have multiple debts, it can be stressful trying to keep them all under control, and can put pressure on your family and other areas of life. Many of us have personal loans, car loans and credit cards which we pay off each month, often to different financial institutions. This means you could be paying more than you need to be.
A formal pre-approval is a critical step in purchasing property - it's when a lender gives you an approved amount to borrow based on a full assessment of your financial situation.
The Application Process - not really :-)
Now let's talk about your assets, and kids, you said that you have three? I'll just note them in this column, that says liability
Why do you have a credit card?
Let's face it, we predominantly use credit cards to spend money we don't have on crap we don't need and very often for people we don't like. Why do we do this? Well I really don't know, buying stuff is fun I guess and who the hell wants to wait until we can afford it in this day and age.
Why can't I have the interest rate I saw on the internet?
Lenders will try to attract clients by advertising their best interest rates. However there are often lots of criteria to be met before you can access these rates.