Karen Hecht has been helping customers purchase homes since 1997. With all of this experience, Karen has seen her customers through some tricky situations while helping them navigate the complex loan journey.
Karen’s friendly and caring nature will ensure you feel comfortable even when you want to ask those “silly questions”.
Karen’s number one goal is to help ensure that her customers are happy and she won’t stop until they are.
If you’re ready to get your loan journey started, let’s talk. I’m available online via phone, text or Zoom.
Buying a home to live in
Before you start your house hunt, there are a few things to consider. First and foremost, making sure that buying is the right decision for you can set you up for a smooth buyer journey.
Knowing your limits financially helps inform your decision in choosing the right home loan and when you’ve found a product that suits your budget and lifestyle, the next step is being pre-approved for that loan.
Having done all the background, you’ll feel confident starting your property search. Where are you looking to buy? Are you looking for a house or unit? Again, your budget will play a role in the answers to these questions.
We know it doesn’t end there. House hunting can take time, and once you’ve found and successfully bought your new home, then there’s the matter of moving in - another big task in its own right.
Purchasing an Investment Property
There are certain things all savvy property investors do, especially when they’re starting out. Understanding the responsibilities of property investment and if it’s the right decision for you is the first step.
Setting out a strategy and researching suitable areas for property investment will help set you on a successful path as a property investor. And of course, setting your budget and making sure you are spending within your means is critical.
Once your finances are in order, it’s time to find the right investment loan. Getting pre-approval before you start searching for your investment property means that you can have the confidence to bid at auction or make an offer.
Renovating your home
As homeowners, we all want to add value to our property and the best way to do that is through renovation. Whilst the idea of renovating is simple enough, the reality is that improvements to the home cost money. The good news is that there are plenty of choices available if you need to take out a loan to complete your renovation.
Whether you take out a personal loan, add the renovation cost to your current home loan or take out a new home loan to cover the costs, there’s plenty of options to consider.
Refinancing your home loan
A home loan is a long-term commitment and it’s important to understand the ins and outs of refinancing and decide if it’s the right option for you at the moment.
The most important thing to know is that there are different types of refinancing to suit your circumstances. Whether you’re looking for lower monthly repayments, want to consolidate your debts or access the equity in your home, there’s plenty of choice available.
It makes good business sense to have a simple and flexible commercial loan structure when you grow your business. We can also help with refinance of commercial properties, retail shops, industrial land, factories and offices, as well as cash flow lending.
We make it easier for you to buy a commercial property or refinance the loan you have now. At Savvy Mortgages, we help professional investors, developers and businesses with loans to achieve their goals.
Once you have purchased property it's important to protect it. There’s plenty of options for insurance and the cover(s) you want to take out will depend on your personal circumstances and property you purchase.
Instead of simply accepting the loan your car dealer offers you, we put you in control - helping you choose from a panel of lenders, to find the loan that’s right for you.
Best of all, we do all the legwork (and all the paperwork).
So if you’re ready to get in the driver’s seat with your car loan, contact us today.