Home Loans
Whether you’re building, buying, or refinancing, we take care of all the paperwork and manage the entire loan process from application through to settlement, all while getting you the best possible rate.
Building a home
We know building can have its stressful moments, so we’re here to help make the finance process as easy as possible. We offer a free service that will let you know everything you’re entitled to like the First Homeowner Grant, stamp duty concessions and most importantly, the right loan to get you into your new home. We’ll also discuss how much you can borrow to help you make the decision of where and when to build.
Need help finding a builder? We’re part of Scott Park Group, one of the biggest building groups in Western Australia. This means that we can provide a full circle service, from finance through to property completion. Not only that, but we have a builder for every budget; B1 Homes, RedInk Homes and 101 Residential.
Buying established
Our goal is to find you the best deal on the market, but our real objective is making sure that you’re going to be financially comfortable for life. We’ll evaluate your financial position based on your income, debts, living expenses, assets, and deposit, so that we can work out your borrowing power and find you the best loan on the market to serve your current and future needs.
Whether it’s your first, second or third home, it can never hurt to seek financial advice. Our specialists are happy to chat through your options and help you decide if buying an established property is going to be the right decision for you.
Home loan refinancing
Whatever the reason for refinancing your home, it doesn’t cost to look for a more suitable loan. In fact, it could save you thousands. Our team will review your current loan, assess your new financial needs, then shop around for the right loan for your lifestyle by removing features that you no longer need, changing to a variable, fixed or split rate, or unlocking your equity to raise extra money for other large expenses.
If you’ve had your current home loan for a number of years, it’s likely that your needs have changed. Thankfully, refinancing doesn’t have to be a daunting process. Our specialists will work around the clock to provide you with all the expert advice you need along the way.
Investing in property
With such high demand for property in Western Australia right not, acquiring another home could be one of the best decisions for your financial future. Owning an investment property means that you could unlock equity for your personal use, for example to go on an overseas holiday, buy a new car, renovate your home, or even to buy another investment property.
Our team loves chatting investing and know the property market inside out. Our alliance with Scott Park Group also means that we can put you in touch with some of the best builders across Perth, offering the best valued house and land packages on the market.
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Why should I use a Loan Specialist?
We’re Loan Specialists – not lenders. Which means that we’re the middleperson between you and the lender.
We’ll listen to your home loan needs, review your options, and recommend a lender with a specific home loan that suits you. Then, if you’re happy with the terms, they’ll loan you the money you need to buy or build a property.
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How is your service free?
Lenders pay us a fee for providing the service to you as a borrower, therefore using our home loan services won’t cost you anything.
Why? Well, new customers are worth a lot to lenders. Plus, we do a lot of the heavy lifting that a lender would normally do to help you through the home loan process. Not only are commissions from Lenders similar across the board, as Loan Specialists, we’re legally obligated to put your interests first when recommending a home loan.
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What is the application process?
The first step is collecting your information so that our Loan Specialists can assess your financial situation, by having a look at your income, employment, assets, and credit score. If you’re eligible to borrow, we will then spend our time sifting through hundreds of financial products to present you with the right loan options to suit your needs. If you choose to progress, we handle all communication with the lender and handle the process from application through to settlement.
Our free Finance Assessment will provide our specialists with the best starting point. Even if you’re not ready to settle, we’re happy to answer any questions you may have.
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Can I afford a new home?
There are so many different factors that can affect your ability to buy or build a home such as your income, savings and expenses, your loan deposit, and your credit score. There’s also grants that you may be eligible for if you’re a first home buyer. Lenders need to ensure you’re a suitable candidate for a loan. Therefore, it’s our job to answer your burning questions about home loans, fees, and interest rates and prepare you.
How much you can borrow will also have an impact on the type of properties you look at, as well as the suburbs you consider. We recommend using our calculators to help estimate how much you can borrow and what your repayments will be.
Lets get started!
There’s no better feeling than getting the keys to your new home and we’re here to help. By gaining insight into your current financial position, we’re able to help with future financial decision making and assist with some of the best rates in the market.
