Home loans for Home loans for Mining Professionals

Welcome to In Financial Services, your dedicated partner in securing home loans and investments for coal miners.
Our expertise lies in understanding the unique pay structures of coal miners, including bonuses, allowances, and overtime. Our goal is to help you secure the ideal home loan or investment loan tailored to your specific needs and financial goals.

Key Benefits of Working with Us:

Industry-Specific Expertise: Our team has in-depth knowledge and experience working with coal miners, allowing us to navigate complex pay structures and find the most suitable loan options.

Personalised Approach: We understand that each coal miner has unique financial circumstances.
We provide personalised guidance and solutions for your borrowing capacity now and for future opportunities.

Diverse Lending Options: With access to a wide network of lenders, we can explore a range of loan products and terms to find the best fit for your needs, whether it’s a home loan, investment loan, or refinancing.

Dedicated Support: From application to approval and beyond, we offer dedicated support to ensure a smooth and stress-free experience throughout the loan process.

How We Can Help You:

Tailored Lending Solutions: By analysing your pay structure and financial objectives, we can pinpoint lenders that provide favourable loan terms and align with your financial goals.

Explore Future Opportunities: We not only focus on the present but also help you plan for future opportunities such as property investments, equity release, and wealth-building strategies.

Tailored Financial Solutions: Our team works closely with you to create tailored financial solutions that align with your long-term objectives and provide flexibility for potential changes in your financial situation.

Get Started Today:

Ready to take the next step towards securing your financial future? Contact us today for a consultation and let us guide you through the process of finding the right loan solution for your needs. At In Financial Services, we’re committed to helping coal miners like you achieve your financial goals and unlock new opportunities.

Useful Tools

Looking for Other Options?

When borrowing a high loan amount compared to the property’s value without qualifying for mortgage insurance exemptions, consider using a family member’s property as part security. This keeps the loan under 80% LVR for both properties, avoiding the need for mortgage insurance.

This arrangement involves a family member acting as a guarantor. By reducing your Loan to Value Ratio (LVR) to under 80%, you can sidestep the need for Lender’s Mortgage Insurance (LMI).

The family member can contribute via equity from their own home as security, without having to provide funds directly to the borrower.

First Home Buyers Family Pledge Guarantee