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A lower interest rate, lower monthly repayments and other loan options that are flexible. You may be able to access equity in your home as a benefit of refinancing.

Principal & interest is the most common type of home loan. This involves making repayments which pay down some of the principal balance plus the interest accrued.

You may be able to lock in an interest only loan period. This involves making repayments for a set time which are lower than principal and interest repayments.

You might choose an interest only loan period if you know your budget is going to be tight for a few years, or in the case of property investors, for taxation or equity building purposes. Keeping in mind that you’ll need to make sure you budget for the end of the interest only period, as your loan will then switch back to the higher principal and interest repayments.

Your borrowing power is an approximate measurement of your ability to borrow funds from a lender. It’s an indication of how much you can afford to borrow while still being able to meet your other financial obligations. Each lender calculates this differently, however, usually a borrowing power calculator takes into account things like your income, current loans and liabilities, credit cards and their limits, and your living expenses.

Yes, you can use the equity in your current home as a deposit. Equity is a powerful tool that can set you up for a successful and profitable investment portfolio.

We charge fee for service and our fees vary depending on the scope and complexity of the advice required. The fees for our services are agreed with our clients prior to any advice given.

Owner-occupier home loans generally have lower interest rates in comparison to investment home loans. This is because owner-occupier home loans are generally seen as less risk adverse.

The minimum home loan deposit is normally 10%, but ideally you would have 20% deposit.
If you borrow more than 80% of the property’s value then your lender may ask you to take out Lenders Mortgage Insurance.
There are grants and schemes to help First Home Buyers to help with the deposit amount.

Lenders Mortgage Insurance (LMI) is insurance that a lender will take out to insure itself against the risk of not recovering any outstanding loan balance, especially in the instance that you are unable to meet your loan payments and the property gets sold for less than the outstanding balance.