Lending is more than just finding the lowest rate! To obtain the ideal finance solution it is critical to match your specific circumstances with the correct lenders. This gives you the best opportunity to gain the right finance and to structure it in the manner most appropriate for your needs.
The lending environment is complex. Should you choose a fixed or variable rate, or should you choose a mix of both with a split loan? What is a comparison rate? Will you benefit more if you select interest only or should you select principal and interest? When refinancing your mortgage, what is the best way to do this? Are there incentives and do they benefit you? What is LVR and LMI? How much deposit do you need? How much Stamp Duty will you incur? Can you lend the stamp duty? Do you want an offset account and would a redraw facility be better in the future? These are just some of the many questions you need to consider when thinking about lending.
It is more than the rates that vary. Not all banks operate in the same manner, have the same appetite for risk or determine your servicing the same. Not all fees are the same. Your lending outcome and experience can vary significantly based on how you structure your lending, your purchase and which lender you select.
Our team apply their knowledge to ensure they know your needs and goals, understand your borrowing limitations and unique requirements to find your ideal loan from the right lender. We know how the lenders work, which lenders suit which circumstances. We will explain your options, how your loan works and the best structure to meet your needs. We address the multitude of options and take the guess work out.
With access to more than 40 lenders, our specialist team will find the right lending strategy and finance solution for you. We will support you from your initial application through to settlement and provide ongoing support to ensure your loan remains competitive.