Home Loans, Refinances & Consolidations

Home Loans

In Financial Services offers a range of services to anyone looking to purchase a home. We are happy to meet with you before you start looking at properties just to make sure you are on track with everything. As it is often one of the largest transactions of your life, obtaining mortgage finance is a task that should not be taken lightly.

Our staff are highly experienced, guiding you through the process and answering any questions along the way. We will discuss with you how much deposit you will need, whether you will need to pay mortgage insurance, lender timeframes, the loan process, what happens at settlement and what we need you to do throughout the process.

We have a wide range of different lenders to choose from, so we are able to find a product that is suitable to your situation. Our aim is for you to own your home long before your loan term finishes.

Refinances

Our brokers will consider your whole situation when looking at refinancing your loans. We will not only ask you about your plans for now, but also the future. We will also look at different offers from different institutions and see what is more valuable and useful to you.

Our aim is to provide you with a loan product that meets your requirements, is easy to use, and saves you money. It is important to us that you understand why your loans are structured in a particular way, and that you understand how to get the benefit from this structure.

Consolidations

In a world where a new credit card is offered to us every other day and bargains are not always as good as what they are sometimes advertised, it is easy to find yourself in more personal debt than you had ever anticipated. Where possible, our staff will help you lower the rate on your loans by consolidating and also explaining the benefits of different repayment terms. This will give you breathing space if your budget is tight and an opportunity to  create some equity in your home if you can afford to continue making the same repayments that you have previously been making.