Our Services

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Whether you’re buying your first home, your next home, or an investment property, we have a range of fixed and variable rate home loans to help you achieve your goals. Our thorough research and attention to detail have consistently helped our customers secure their desired loan amounts.

We strive to ensure a hassle-free transition to your new home by fully understanding your plans and financial position. 

We will guide you through the transition process and provide a tailor-made mortgage package that fits your needs perfectly.

When you come to us, we can help with

• Buying your First Home
• Refinancing your existing lending facilities
• Investing in another Property
• Land and Construction lending services

Thinking of applying for your Home Loan?

It always pays to be prepared, so we can sit down and work through your finances before you apply. In particular:

• Your income – work out your total income from salary/wages, dividends,      commission, rental income etc.
• Your expenses – this includes basic living costs (food, utilities, etc), student loans, hire purchase and credit cards, insurance as well as entertainment and holidays.
• Your deposit – the bigger your deposit, the less you’ll need to borrow, the lower your repayments will be, and the faster you’ll be mortgage-free. (we have options for low deposit however the borrowing will be higher based on your serviceability)

Thinking of buying another Property?

If you have decided to buy another property, either looking for a bigger house, to downsize or for an investment property.  There are few things to consider before you make an offer to the property:

• How much could you borrow?
• If you are using your existing equity, how much equity is in your property?

We can help and organise a pre-approval process before hunting for your new opportunity.  We will be there to throughout the process in growing your property portfolio

Refinancing to a new Bank?

Refinancing is when you transfer your home loan from one bank to another. Your existing loans will be repaid in full, and a new home loan with new rates will be established with the new bank.

There are several reasons you might consider refinancing your home loan, including:

• Competitive interest rates: These may help you pay off your loan faster.
• Cash contributions: These may not be available with your current bank.
• Equity: This can help you manage short-term debts more effectively or renovations
• Flexibility: Access better loan features and terms

Why Refix Your Home Loan?

• Certainty: Lock in your interest rate for a set period and enjoy consistent monthly payments.
• Stability: Avoid fluctuations in the market and plan your budget with confidence.
• Peace of Mind: Eliminate the stress of potential interest rate hikes.

Before you refinance, we will work with you to consider break costs, solicitors fees, loan processing fees and cashback contributions

We will review your current loan and contact your bank to understand the associated refinance costs. We will also research different lenders to advise on the best options for you.