What we can offer you!

• FIRST HOME BUYERS

It is an exciting time to be buying your first home. There are a lot of decisions to make and it is important to have all the information you need to make the process as easy as possible. Most importantly you need to know how much you are able to borrow, what the repayments will be, what is the best loan for you and what other considerations you will need to make on this journey.

How much you can borrow will depend on a number of factors. The deposit that you have, your savings and spending history, your employment (type of employment e.g. full time permanent, or casual) and your credit rating.

While there is the ideal situation, maximum deposit, long term full time employment on a good salary, excellent credit rating and savings history, if you don’t fit into this category our role is to help you find the lender who caters for where you are at. There are many options including through Homestart, using rental history as a deposit, family guarantee loans, Lenders who specialize in certain employment groups e.g. contract workers etc and Credit repair specialists and lenders. If you are eligible for the First Home Buyers Grant in South Australia as part of our service we will complete and lodge this application for you. At present this concession is only available to buying newly constructed homes and there is an extra amount available for First Home Buyers purchasing apartments.

Once you have an idea what you are able to borrow and afford you can start your property search. Again we can help you with property area updates and individual property reports. Utilise our experience in real estate to get some added insight into the property market. At this stage we would recommend that you have a ‘pre-approval’ in place. This will assist in your negotiations with purchasing and will speed up the process once your contract is signed.

• LIFE EVENTS

We don’t always have control over what happens in our lives. Many people find themselves in situations that require assistance to negotiate. In our portfolio of lenders and service providers there are several who have made it part of their policy to offer products and services to help people who need it. If you or someone you know needs a hand, we are pleased to help

• INVESTMENT PROPERTY

Whether you are starting out or are now looking to build on your Property Portfolio now is the time to be creating a solid foundation. There are quite a few factors to consider when investing in property. The location, the type of property , the return that will be generated, long term value, tax implications and affordability.

It is important to have advice from an accountant on the tax opportunities and implications in relation to investment property.  Ask about the opportunities with depreciation and also the effect of capital gain if you were to sell the property. Using the equity in your own home, and also your other investment properties can give you the value that you need to secure the loan. We would discuss your longer term plan and offer suggestions to minimize risk with interest rate rises and exposure to the same real estate market.

Our real estate and property management experience gives an insight into property in South Australia and the areas that get the best return for the investor.

• OWNER OCCUPIER AND REFINANCING

Are you buying or building your next home? Maybe you are happy where you are but would like to go over your options and refinance, we can help you. By working with you to see what your expectations and plans are, we will be able to find a selection of lenders to choose from.

If you need to sell your property before you buy your next dream home, our experience in real estate can help you with this process. We understand how this works and are happy to share our knowledge with you. See our loan process chart to assist you in navigating your way through the transaction. Although they are not so popular these days there are ‘Bridging loans” to enable you to purchase the property you want before selling your present home. For those that decide to build, we can discuss options of paying interest only on the loan while construction is taking place.

Refinancing is often an opportunity to consolidate any small debts so that there is only one repayment and potentially under a lower interest rate. When your property increases in value and you have more equity you are able to use this for other purposes. Finding a better rate and the best type of loan for you together with a focus on your longer term financial goals is our aim.

• CAR AND ASSET FINANCE

We are able to offer comparable quotes on car finance. Have your finance sorted before negotiating with the car yard and get the most competitive price. If you are paid a car allowance as part of your employment you are able to access commercial rates and for an ABN holder, who have a property, you too may be able to access loc doc loan options.

• GREEN LOANS

Green loans are government subsidized loans for investment in Energy saving technologies. From 6.8% (Subject to Terms and Conditions) for both residential and commercial applications these unsecured loans support installation of solar panels, battery storage, lighting, and hybrid cars and trucks

• PERSONAL LOANS

Available for just about anything! Weddings, holidays, sporting equipment. We can access a number of different lenders to find the right loan for you

• INSURANCE

We can sort our the insurance for you on your new home , car or asset with a direct link with ALLIANZ. For personal – Critical Illness Cover, death and accident insurance, we have a very competitive product through ALI. Ask us for a free quote and information.

• UTILITY CONNECTION SERVICES

If you are moving house, simply fill in the Connectnow form and send it through. You will be contacted about which services and suppliers you wish to use and then the hard work will be done for you at no charge!

• SMALL BUSINESS AND ASSET FINANCE

Small businesses are the backbone of our communities. They provide services and goods, employ staff and they are the one’s taking the risks in today’s economy. If you are looking for finance to start up or expand your small business, we are here to help. We will do the research to find the most suitable products to assist you in your day to day running of the business.

We can help with debtor finance, asset finance, capital improvements and also can connect  you to the right people to handle the daily banking issues.

• REFERRAL PARTNERS

One of the most fulfilling aspects of being a finance broker is the opportunity to meet and develop relationships with like minded professionals.

To source individuals that are able to provide the same level of service and client commitment is a time consuming task and this has resulted in us providing the details of some of the professionals we work with on a daily basis.

Contact us to send your details to any of these services: and please note that we do not charge or receive any referral fees but simply wish to share the value of these businesses

• FINANCIAL ADVISORS
• ACCOUNTANTS
• INSURANCE CONSULTANTS
• SOLICITORS AND PROPERTY CONVEYANCERS
• PROPERTY AND BUILDING INSPECTORS
• REAL ESTATE SPECIALISTS
• PROPERTY DEVELOPMENT SPECIALISTS
• CREDIT REPAIR SPECIALISTS
• REMOVALISTS/MAINTENANCE/BUILDERS/LANDSCAPING