how much will it cost me?

Nothing. Our normal service comes at no cost to you as we get paid by the lenders.
For construction loans, larger development and commercial property, however, will be assessed on a case by case basis and fees are related to the level of involvement.

how much can I borrow?

Generally we are able to arrange loans up to 95% of the registered valuations of the property. There are a number of things that can impact on how much you can borrow; your income, location and style of property, and if you intend living in the property or perhaps having tenants. We recommend that you know what you can borrow before you make an offer, you can do this by arranging a Pre Approval – this will save you lots of time and may improve your negotiating position.

how long should my loan term be?

It is possible to structure your loan over a term of up to 30 years and while this reduces your fortnightly or monthly repayment it will greatly increase the interest costs over the term of the loan. We recommend you talk with us to find the optimal balance that keeps your regular repayments at a manageable level without paying unnecessary interest.

what type of mortgage is best for me?

There are lots of different options to choose from and we can assist you in deciding on what will suit your personal situation best. Examples include:

• Table Loan – most common; where your payments are the same amount and spread evenly over the whole term of the loan.

• Reducing Loan – this type of loan begins with higher repayments that gradually reduce over the term of the loan. You pay off the principal in even amounts but the interest payments will be smaller after each payment.

• Interest Only – You only pay interest on the loan, the principal loan balance remains the same.

• Revolving Credit – This loan provides maximum flexibility enabling you to draw down the amount between what you owe and the credit limit, making payments as it suits you.


Where to start?