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.
Even the Government is suggesting you refinance this month, but why?
For Australians with a home loan, we’re dealing with two major factors that you should know about right now. The first factor is that banks have never been more competitive for your business, and the second factor is that those same banks, ironically, are largely failing to pass on the full rate cuts available, so you’re probably paying your current lender more than necessary in this market. What does this mean for your home loan today? Is haggling worth it?
BID is my BAU!
Not sure if it will affect you? This month the Government is knee-deep in a bill that absolutely affects your business and mine, and certainly affects our clients. Also, it’s a confusing market for borrowers. Interest rates are down and the media has been positive that by all indications, the property market is recovering, although housing stock is still light on compared to demand - particularly for springtime - which is partially responsible for driving up prices in most capital cities. How can you help them decipher it?
Are mixed messages creating uncertainty for your clients?
It’s a confusing market for borrowers. Interest rates are down and the media has been positive that by all indications, the property market is recovering. However housing stock is still light on compared to demand - particularly for springtime - which is partially responsible for driving up prices in most capital cities. Lender competition is fierce, but there’s more scrutiny than ever on borrower spending, meanwhile banks aren’t passing on rates in full.