Mortgages

No matter what your property aspirations may be we can assist:

• First home buyers with as little as 5% saved deposit

• Self-employed borrowers

• Upgrading to your next house

• Top ups for virtually any purpose such as renovations, vehicle purchases, or debt consolidation

• Investment property purchases and restructuring

• Commercial and industrial property

Lets face it, buying property can be stressful especially if it is your first ever purchase. The process itself is straightforward but even if you’ve been through it a few times there are still things that can trip you up. And mistakes can be costly. We can get the best mortgage for you (of course!) but we also aim to guide you through the home buying process itself, which is:

Step 1 – See if you qualify

This first crucial step will answer three basic questions: Will a bank lend to me, how much will the bank lend and what are the repayments likely to be?

Armed with that information you can make sensible and realistic choices about the kind of property you can afford, location and features.

Step 2 – Get pre-approval

This step involves us putting your application together and getting a letter from the bank to confirm how much you can borrow. The bank still needs to approve the property itself but your maximum purchase price can be confirmed.

Step 3 – Making an offer

This is often the most nerve-wracking part of the process. You need to properly investigate the property and then negotiate. Now is the time to engage your lawyer.

Step 4 – Seal the deal

Once your offer has been accepted there is a range of things you need to do such as satisfying any conditions (eg building inspections, valuations, council reports), paying a deposit, liase with your lawyer.

Step 5 – Insurance

Another crucial step – insurance for the property is a condition of the loan. Covering you and your family is a sensible and responsible step.

Step 6 – Settlement / Move in

Yes! You made it through!

Call us to find out how we can help you……….