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Choosing a Home Loan
Home loans for self employed borrowers
First Home Buyer
Buying your first home is an exciting and major step in your life. It could be the largest investment decision you have had to make and can be a daunting proposition. There will be plenty of your friends and family who are prepared to give you advice and help you with this process, but it makes sense to talk to an expert.
Buying your first home does not need to be stressful or confusing. We have access to a wide range of home loans and can choose the loan that best suits your needs and individual financial situation. We deal with the lenders throughout the mortgage process from application to settlement.
The Loan Application Process document will give you an understanding of how this process will work.
The "" appointment document lets you know what information you will need to bring with you to your first interview.
First Home Owners Grant.
If you are a first home buyer or first home builder you are entitled to receive a first home owner’s grant from the Government to go towards the purchase of your home. We will assist in completing this application form and follow up to ensure that it is approved and the funds are available before settlement. Visit this website for further information about the first home owners grant... www.firsthome.gov.au
Building Your Home
Building a new home should be an exciting experience it is the best way to ensure your new home is your dream home. You can choose from a pre-designed house and land package from a developer or find a builder and architect to create something unique designed to your tastes.
With all the paperwork and approvals needed it may appear a little daunting, what with building contracts, council approvals, progress payments, variations to contracts, the list goes on. Brokerhouse are experts in construction finance, our home loan consultants can find the loan that best suits your needs and we work closely with the local builders throughout the building process. We will follow up on the progress of your loan and manage the progressive drawings with your lender.
You will need to gather the following information:
Refinancing Your Home Loan
If you are looking for a new loan with a better rate and more features or would like to consolidate your debts into one easy to manage repayment and save interest, Brokerhouse has several options for you.
Our Home Loan consultants can review your existing home loan to ensure that you have a loan that suits you best and that you are not paying too much in interest or fees. We will only recommend refinancing your loan to another bank if there is a significant benefit to you, we sometimes find that even your own bank has a loan that better suits your needs, in which case we will arrange to switch your loan.
Benefits of refinancing
Make sure you are not paying to much and contact Brokerhouse for a review of your finance today.
Renovating your homeWant that new kitchen, a pool, extra bedrooms, a bigger family room? Have you considered increasing your existing loan for renovations. You may be considering renovating your investment property to increase the rental returns.
Our Home Loan consultants can structure your loan to allow for easy access to your funds to pay for builders, architects and tradespeople.
Investing in Property
Investing in property is a great long term investment to accumulate wealth and secure your financial future.
Investing can provide a healthy long term capital gain and a steady income stream from rent.
There are considerable associated tax benefits and advantages when investing in property, especially for people earning a higher income who would like to negatively gear.
Using the equity in your home is a smart and cost effective way to help get you into the property investment market.
There are a wide range of finance options currently available to purchase investment property.
Brokerhouse has a dedicated Investment Property Consultant who can guide you through the decision of purchasing an Investment Property, and discuss with you the benefits listed above. Whether your choice for an investment property is local in Melbourne or interstate, Brokerhouse can refer you to an authroised agent to further assist with property selection.
For more information on Investment Property contact Andrew Westblade on M. 0438 765 954
Buying your next home
Is it time to upgrade your home? Family growing and you need more room? Maybe you are looking for something smaller. Brokerhouse have access to a number of speciality products ideally suited to buying your next home.
Our Home Loan consultants can take you through the variety of options available including Bridging Finance to ensure a smooth transition from one home to another.
Home loans for self employed borrowers
Running your own business is stressful enough. Brokerhouse consultants have extensive experience in dealing with lenders regarding self employed borrowers, they can work with you to find the lender and product that best suits your needs as a Self Employed borrower.
Depending on your ability to substantiate your financial situation, as a self-employed borrower you may be eligible for a Full Doc loan. Alternatively, Lo Doc loans are available for borrowers with a good credit history and a current ABN.
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