Purchasing on The Gold Coast
Purchasing a new home? Then get the best possible deal and save your hard earned cash!
Product
Choosing the right product for you can be complicated if you are unsure what is available and what is best for your specific circumstance. Do I choose fixed or variable, Interest Only or Principal and Interest, do I pay interest in advance, offset or redraw or both, are there government grants available to me, what is LMI? These are all valid questions which can all be answered with a conversation with a Home Loan Advice specialist. You see there is no one size fits all and we will tailor your home loan to your specific needs.
Lender
When choosing a lender it isn’t as simple as “My Parents were with XYZ Bank so I’ll just choose them”. Every Lender has their own set of policies, niches, benchmarks and appetite for risk. A Home Loan Advice specialist will help you cut through the jargon and policy speak to uncover the best options for you moving forward. You may need a policy around high density, or 100% of overtime income or a policy around probationary income. With our help you will have the confidence in choosing the correct Home Loan solution for you.
Loan Structure
Should I pick a lender or loan product that allows a 100% offset account to be attached? Or should I choose a basic Home Loan product and use a redraw facility? Should I transfer my pay onto my home loan or into my offset account or should I be using a credit card for my monthly expenses and paying it out every month? All valid questions with no wrong answer and depending on your circumstances any of those options are viable. We at Home Loan Advice pride ourselves on being able to cut through the BS, that can be very confusing, to provide the best possible options for your specific circustance.
Save Money
When researching home loan options for your new purchase you want to do what is right for you and your family and the bottom line is that you want the best solution to your specific circumstance and you want that option to be competitive. You want to save money whether that is to pay the minimum repayment possible until the kids are out of school or you want to pay down the home loan quicker, therefore saving money long term. The Gold Coasts premier Home Loan specialists, Home Loan Advice can certainly help you make the right decision by providing you with indepth well researched options to save you time and money long term.
Save your hard earned CASH by making the right decision first go!
You want to purchase on the Gold Coast, why wouldn’t you! We live in the most beautiful region in Australia. Prices have increased in recent times and so to has interest rates and it is more important now than ever before to make the right decision on your home loan, the biggest purchase you are likely to ever make in your lifetime. The right decision could save you thousands and years off your home loan, but the wrong decision could set you back years. There is structure, policy, rates, borrowing capacity, repayments, insurance, loan to value ratios and lender reputation to think about. We, at Home Loan Advice, will research your scenario and provide you with the best possible options as this is what we do, day in and day out. We work in your best interest. Why allow your Bank Manager to get fat off of your hard earned money, don’t pay him more than you need to.
If you don’t have a pre-approval when looking to purchase a property it is like going to a garage sale with no cash in your wallet. A pre-approval gives you the confidence to negotiate on a property, knowing the amount that you will be able to borrow from a specific lender.
After understanding your specific situation Home Loan Advice will complete our calculations to gain your borrowing capacity and allow us to provide you with your purchasing potential. Then we will provide options from our research with your brief in mind. Once a decision has been made regarding lender, we will then complete and package your application and submit it to the lender of your choice. Then you are pre-approved and can go shopping for your new home. We do all the work for you.
Home Loan structure can be the difference between paying your loan off earlier than the contracted term and not. It can mean that you have more cash in your pocket at the end of the month. Why would you help your bank manager get fatter.
We do not charge you a cent for our service.
The Right Loan For The Right Reasons.
Home Loan Advice is your Gold Coast Home Loan expert and we want you to get the right loan for the right reason. We are not owned by a lender therefore we have the right reasons for helping you to save money and pay off your home loan quicker than a bank does. Don’t be fooled by glossy marketing, introductory rates, the promise of what ever new incentive the huge marketing department at the Bank can come up with. We look past the BS and source the best possible options for your specific situation. Trust a local Gold Coast Home loan expert, a Gold Coast Mortgage Broker, Trust us, Home Loan Advice Gold Coast. Best of all our service is free to you, our client.