For every stage in your life, there’s a dozen different home loan options. Trying to break them all down is like attempting a giant jigsaw puzzle that you lost half the bits to seven years ago; it’s nearly impossible and looks crap and confusing when you’re done.
We sit down with you and map out all the bits and pieces that fit together to give you the best shot at achieving your homeowner dreams.
Buying your first home is one of the most exciting times of your life and is cause for a happy dance!
When you’re faced with banks asking dozens of questions about your income, lifestyle and what you had for breakfast (smashed avocado makes you look fancier), it becomes overwhelming.
We help you get it right the first time by looking at your circumstances and telling you exactly what’s achievable, and how we achieve it together.
We explain all the complicated terminology; random acronyms and do the talking for you so your future is in safe hands.
You’ve outgrown your first home and you’re ready for a fresh start in the next step of your homeowner journey.
Things are different the second time around.
Your circumstances might have changed. You have some equity under your belt and you need to know how to use it.
You want a better deal and more bang for your buck (that nice ensuite with the big shower!)
We take a look at your current setup and draw up the best plan to get you from A to B.
Finding a great investment property and being in a position to make it happen is an accomplishment in itself, so well done you!
Once you begin working the numbers on paper, you might start thinking you’re crazy and you need help.
We don’t wear a long white coat or give you medication, but we do help you work those numbers into a solid ‘sane’ or ‘insane’ verdict and give you our expert advice on the next steps.
We put renovating a house on the same stress levels as forgetting to wear pants to a meeting.
It can be pretty nerve-wracking!
That stress doesn’t have to be finance-related.
The same can be said for extensions or building something.
Whether you’ve bought someone else’s green benchtop kitchen with random duck tiles in every fourth interval, or you need to build the new shed, we can help you with getting the right loan for the job.
Home loans can be a little like fashion; what worked for you 10 years ago might not work for you today.
What kind of home loan you get can depend on dozens of factors such as your income and circumstances at the time, new products not available when you signed on, or even just outdated advice.
Your situation now might involve your home loan plus a car loan, personal loan, or other debts you’ve accumulated over time.
We help you find your best new home loan fit and roll your debt into one easy and much more manageable payment.
Being self-employed can feel as stressful as it does liberating when it comes to finances.
With the territory of successful self-employment, there also comes less security and higher risk in the bank’s eyes.
The loan criteria become more complicated than filling out federal election forms at voting time (honestly, those things are like the magna carta now).
We unjumble the hoops you need to jump through and set a clear path to achieving your personal finance goals.
We also think being self- employed is awesome, but we’re a little biased.
Reverse mortgages are the best kept secrets of the finance world.
A reverse mortgage is designed for the needs of seniors and allows people aged 60 and over to unlock the equity in their home and fund a well-deserved retirement.
With no regular payments (unless you want to!), the interest is added to the loan monthly and is then repaid from the future sale of the property. No catch.
You continue to own 100% of your home.
Talk to us about how you can finally reap the financial rewards of a lifetime of hard work.