Our services include:
We send prospective clients a fact finder survey to complete before organising a free consultation (45 to 60 minutes). If we decide to work together, we charge our consultation fee to the banks. (What if I change my mind?).
We use our brokers' combined knowledge and experience, and loan comparison software, to source and tailor loans to your needs. For example, to reduce banking fees, we might recommend a Professional Package, or to assist your ability to repay (serviceability), we might recommend an interest-only loan.
Loan products we use include: basic variable loans, fixed rate loans, split purpose loans, lines of credit, professional packages, interest only loans, standard variable loans, margin loans, low doc loans, and no doc loans.
We have plenty of experience with clients who are professional share traders and whose unique circumstances require special presentation to banks and lenders. Ask us about margin loan options.
Property investors have different needs to home buyers. They require far greater flexibility in their loan structuring. Where possible, we structure loans to reflect our clients' medium to long term investment plans.
We review client portfolios from time to time to ensure that your loan structure continues to work for you.
The accurate valuation of an investment property determines how much a lender is willing to lend you. We have access to the latest Residex property valuation and growth suburbs reports. Or visit www.residex.com.au
Lenders offer special deals from time to time. We'll keep you informed via our newsletter of potential refinancing opportunities and gladly facilitate negotiations with lenders to get the best possible rates.
There are many tricks and traps that property investors can avoid with clear advice. We are well equipped to deal with the challenges that property investors face, such as cross collateralisation, accessing equity, and property valuations.
We are well versed in the use of Discretionary Trusts, Company Trusts, Unit Trusts and Hybrid Discretionary Trusts to purchase investment properties. We also assist self-employed investors to secure Low Doc and No Doc loan approvals.
We offer an income insurance product to clients who wish to protect their ability to make mortgage repayments in the event of job loss, or permanent disability.