Whether you’re buying your First Home, Next Home, an Investment Property, or Refinance your existing mortgage attempting to navigate to the world of home loans on your own can be tough.
This is one of the most important decisions you’ll make. We have many experience helping our clients in this area.
This means taking a good look at your total income as well as all your financial commitments and savings. You’ll need to have your finances approved before you can make an offer on your first home.
We’ll provide you with all the advice and support you need to make the best final decision, and get the keys to your first home. Talk our friendly and professional team of mortgage brokers today!
Whether you’re completing major renovations, knocking down an existing property or re-building and starting fresh, a Construction Loan may meet your needs.
Building a property or undertaking major renovations is a big project, so it’s important you know what to expect at each stage. Construction Loans give you the flexibility to draw down the loan at various stages of the build (also known as Progress Payments).
Your Progress Payment Schedule will typically have 5-6 stages during the construction period.
For more information on what to expect contact us for more information.
Banks just love to make it hard for anyone with a business to borrow money. They want tax returns, notices of assessment and then letters from your accountant, making applying for a loan incredibly difficult.
To get a self-employed home loan, the majority of lenders require you to be self-employed for at least two to three years, however some can consider people who have been self-employed for only one year. If you self-employed less than a year, you still able to borrow.
Please give us a call and we will give you more information.
Ideally, you should review your home loan every five years. By then, enough time would have passed to help you assess your loan in relation to the current stage of your life.
For example, if you were newly-married when you took out your loan and had children during that five-year period, then you may have to adjust your loan to something that will help you stretch your budget further.
In this case, you can choose a loan with lower monthly repayments in exchange for a longer loan term. On the other hand, if your children have already left school, this leaves more room in your budget to make bigger monthly repayments and thus pay off your loan sooner.
Remember, the home loan market is very competitive and getting more and more competitive every year, so even though the standard review time may be 5 years, there is no harm in getting your EZ Financing broker to ask your current lender to review the rate. You never know you may just get an extra 0.10 – 0.20% discount for a quick phone call.
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Disclaimer: Thuy Hook is an Authorised Credit Representative (no. 456333) of BLSSA Pty Ltd, ACN number: 117 651 760 Australian Credit License number 391237
EZ Financing PTY LTD ACN: 602 952 385
ABN: 74 602 952 385
Main office : 19 centre street strathpine QLD 4500: APPOINTMENT ONLY
other office : chermside office: WOTSO WORKSPACE
Westfield chermside, Level 2 Westfield Chermside, Chermside QLD 4032: APPOINTMENT ONLY
Servicing the Brisbane and Brisbane North AREAS