Help for home buyers

When purchasing your home, don’t let yourself be overwhelmedby the experience. The process can be seamless and enjoyable when you tackle it in individual stages. From making the decision to purchase, to finding the right loan, saving for your deposit and finding and securing the perfect home. Step-by-step you can achieve your financial goals.

 

It gives you stability and freedom

Buying a home provides you with certainty; there’s no risk that you’ll be displaced by a landlord.

Tenants have very little say in how long they can occupy a rental property beyond the lease term.

Living in your own home also allows you the freedom to renovate and decorate your home as you.

please.

Rise in house prices over time

Having an asset that may increase in value over time is appealing. While house prices have

consistently risen over the long-term, they can also have periods of weak growth or even fall in

value. You need to remember that home ownership is a long-term investment strategy.

The ability to use the equity in your home

Home equity is the proportion of your home that you own. Provided that the value of your house is

increasing, as you pay off your loan, your equity will also be increasing. You may then be able to

use the equity to fund an investment such as shares or a managed fund. See Refinancing

Tax benefit

Your home is generally exempt from tax if you’ve not run a business from it or rented it out

Capital gain tax:

you don’t pay capital gains tax (CGT) if you sell the home you live in (under the main residence

exemption).

GST

You’re not liable for goods and services tax (GST) when you sell your home

Land Tax

The land tax exemption applies to the principal place of residence. The exemption only applies to

natural persons and the exemption is not affected by the value or size of the land.

Deposit

You may be eligible for a first home buyer grant or other incentives such as stamp duty and land

tax reduction. With the help of a guarantor, a loan can be secured without a deposit.

Owner-occupier loan or Investor loan

When you’re applying for home loans to help you buy a house, you’ll need to specify whether you’re

applying for an owner-occupier loan or an investor loan. The distinction will most likely change the

rate at which you’ll be charged interest, whether you go with an offset mortgage, variable rates,

fixed home loan or construction financing.

 

Investment loans are typically the more expensive of the two, both in terms of interest rates and additional costs.

Some lenders may not charge higher closing fees for investment loans, but you should check the

specifications.

Why choose us

We can help customers who are working, receiving centerlink, bonus or non-taxable income, and having credit issue. We can help you to buy, build or refinance.

We can provide

  • More Savings

    +

    We offer a huge selection of competitively priced lending products. Sometimes we can and will negotiate further interest rate discounts with the potential lenders on your behalf. The aim is to save your time, money and effort.

  • Free of charge

    +

    We don’t charge you for our services as the lenders pay us a commission when the loan is settled.

  • Convenience

    +

    We are happy to meet you at a time and place that suits you. You can drop into our office or we can come to your home or office. We will be accessible and returning your calls promptly, even outside of business hours.

  • More Choice

    +

    We work with over 30 lenders you know and trust, who offer hundreds of different types of loans. We will take the time to ask you the right questions and then recommend the loan options that are right for you.

  • Easier Process

    +

    After choosing the right loan we will start your application and complete all your paperwork. We will keep you fully updated during valuation, approval and settlement process.

  • Expertise

    +

    We have the experience to deal with a variety of loan purposes and types of borrowers. We can help you no matter you are buying your dream home, purchasing an investment property or looking for a better deal on your existing loan.

  • Tailored & Flexible Solutions

    +

    We understand every borrower has individual needs and goals, which is why we are tailoring each loan to your unique situation. We also make financial solutions more accessible to you with our progressive & flexible approach.

  • Great Service

    +

    We love to have satisfied customers. We are always motivated to find better solutions, better products and better ways to be your trusted lending expert, now and in the future.

为什么选择我们

不论您是上班族还是自雇人士,不论您想要贷款还是转贷,不论您想要买房还是买车, 不论您是有领取社会补助金或是其他收入问题,我们都可以帮您解决

我们可以提供

  • 更多的优惠

    +

    We offer a huge selection of competitively priced lending products. Sometimes we can and will negotiate further interest rate discounts with the potential lenders on your behalf. The aim is to save your time, money and effort.

  • 无额外收费

    +

    We don’t charge you for our services as the lenders pay us a commission when the loan is settled.

  • 方便快捷

    +

    We are happy to meet you at a time and place that suits you. You can drop into our office or we can come to your home or office. We will be accessible and returning your calls promptly, even outside of business hours.

  • 更多选择

    +

    We work with over 30 lenders you know and trust, who offer hundreds of different types of loans. We will take the time to ask you the right questions and then recommend the loan options that are right for you.

  • 更加简单的流程

    +

    After choosing the right loan we will start your application and complete all your paperwork. We will keep you fully updated during valuation, approval and settlement process.

  • 专业高效

    +

    We have the experience to deal with a variety of loan purposes and types of borrowers. We can help you no matter you are buying your dream home, purchasing an investment property or looking for a better deal on your existing loan.

  • 更客制化和灵活的解决方案

    +

    We understand every borrower has individual needs and goals, which is why we are tailoring each loan to your unique situation. We also make financial solutions more accessible to you with our progressive & flexible approach.

  • 卓越的服务

    +

    We love to have satisfied customers. We are always motivated to find better solutions, better products and better ways to be your trusted lending expert, now and in the future.