As a first home buyer it is an exciting and sometimes daunting time when seeking your first home loan. Working with Ez Financing for your home loan will make this a memorable experience.For most, purchasing your first home is probably going to be the biggest investment you have ever made, so it is important to get it right the first time by getting the best advice from the professionals that know.
At Ez Financing, we have all the information and expertise to help you cover all the important things you need to know when taking this important step. We take a holistic approach and try and keep it real so that we are always on the same page and make sure that every move you make is the right one now and for the future. We help eliminate the risk for you as the home loan and purchase process unfolds.
But where to start? We can help you weigh it all up.
As time marches on, situations change. Perhaps you’ve changed jobs? Or there’s a new addition to the family? Maybe you would just like a better rate? Maybe it’s the advent of school fees, or perhaps the kids have flown the coop? Or maybe that leaking shower or tired kitchen has just reached the end of its life.
A shift in circumstances may mean it is time to revisit your home finances. For many, the idea of refinancing a mortgage can be daunting. Fees and fixed versus variable interest rates need to be considered. The right refinanced loan might help you to pay off your mortgage faster and for less, clear unhealthy debt or upgrade and add value your home, all of which are steps in the right direction.
It definitely pays to do your homework on the property market before you dive in, and we’re thrilled to be on board to help you when it comes to financing your decision. Recent share market slides, tight rental markets in most capital cities and a whiff of increase in property prices are seeing many mum and dad investors retreat to bricks and mortar.
Generally, property in Australia is still considered to be a sound investment due to steady and consistent increases over time.But it’s not a quick win. Property usually has a seven to ten year cycle, with highs, lows and steady stints in between.Fortunately, an ongoing housing shortage in Australia and a tax system that allows negative gearing on property (where any investment losses can be claimed as tax deductions) continue to favour housing as a solid, long term investment.
But credit has tightened in the wake of the Global Financial Crisis so lenders are more cautious about who borrows and for what. We are here to help find the right lender and loan for your circumstances in this new environment. We can also wade through the many investment loan options on offer, leaving you more time to find the ideal property..