Services

We're dedicated to discovering the perfect loan for you, whether it's your first home, upgrading your primary residence, or renovating. Our mission is to ensure a smooth and seamless process throughout. 

We assist in choosing the optimal option and structure that aligns with your unique situation and financial objectives. After grasping your goals, we guide you in making informed decisions regarding the features and benefits of your investment loan, tailoring them to meet your comprehensive needs. 

In today's competitive lending market, your current home loan may lack the flexible features now available. It's worthwhile to review your loan annually to ensure it aligns with your financial goals and remains competitive in terms of interest rates and fees. 

Refinancing presents an opportunity to secure a better interest rate, lowering your monthly repayments. It also allows access to property equity for wealth-building or personal goals like home renovations or a holiday. 

We'll assist you in comparing loan options, emphasizing potential savings over the loan term. 

We empower you to seize control of your finances. Consolidate your debts into a single, manageable loan, bringing all outstanding financial obligations together. Simplifying your banking with one repayment not only reduces stress and confusion but also saves you time and potentially money. 

Lenders Mortgage Insurance (LMI) is a policy taken by the lender to protect against the potential loss if you, the borrower, cannot meet loan payments, and the property sells for less than the outstanding balance. 

First-time homebuyers often seek assistance in acquiring their initial home, and this support may come in the form of a guarantee from family members.  

A guarantee is essentially a commitment from a party (the guarantor) to cover a debt owed to a lender if the borrower is unable to repay it. Guarantees serve as security for loans and can be particularly beneficial for borrowers like First Home Buyers. 

An offset account and a loan redraw facility are both features associated with home loans, but they function differently. 

Offset Account:   

- An offset account is a separate savings or transaction account linked to your home loan.   

- The balance in the offset account is offset against your home loan balance before interest is calculated. This can result in interest savings over the life of the loan.    

- For example, if you have a $200,000 home loan and $20,000 in your offset account, you would only pay interest on $180,000. 

Redraw Facility:   

- A redraw facility allows you to make additional repayments on your home loan beyond the required minimum.    

- If you need access to those extra funds, you can "redraw" or withdraw them from your home loan.    

- This provides flexibility, but accessing the extra funds may be subject to certain terms and conditions, and there might be fees associated with redraw transactions.  

In summary, while an offset account helps reduce the interest payable on your home loan by offsetting the balance, a redraw facility allows you to make extra repayments and later access those funds if needed, subject to terms and conditions. The choice between the two depends on your financial goals and preferences.