Residential Finance

Making home loans simple

Securing a home loan can feel complex—but we’re here to make it easier. By working with our panel of lenders, we help you find an option that aligns with your financial goals and supports your dream of home ownership.

Our team guides you through every step, from exploring your options to conducting research and negotiating on your behalf. We provide the clarity you need to make informed decisions with confidence.

Have questions or ready to begin?

Contact us today and start your home-buying journey with ease.

Key Features:

• Property as Security: The loan is secured against the residential property, which means the lender holds an interest in the property until the loan is fully repaid.
• Loan Types: You can choose from a variety of loan types, such as fixed-rate, variable-rate, or interest-only mortgages, depending on your financial needs and preferences.
• Repayment Schedule: Loans are typically repaid over a set period, with terms that can range from 5 to 30 years or more, influencing the size of your monthly repayments.
• Loan to Value Ratio (LVR): This is the proportion of the property’s value that you can borrow. A higher LVR may require Lenders Mortgage Insurance (LMI) if it exceeds the lender’s threshold.

Considerations:

• Affordability: When securing finance, we carefully evaluate your income, expenses, and financial stability to determine how much you can afford to borrow without overextending your finances.
• Interest Rates: The rate of interest will affect the cost of your loan over time. It’s vital to consider both the current rate and the potential for rate changes in the future.
• Fees and Charges: Be aware of application fees, ongoing account-keeping fees, early repayment fees, and any other charges associated with the loan.

Flexibility: Features such as redraw facilities, offset accounts, and the ability to make extra repayments can affect the cost and flexibility of your loan.