We're your local Aussie Mortgage Brokers servicing Wynnum, Manly and Lota. We find you the home loan that suits your needs from the hundreds available on our panel of lenders. Why spend weeks running around to dozens of lenders to get the best deal, when we can search home loans from 20 of Australia's leading lenders in just minutes. Our mortgage broking service is fast and free.
As your local home loan specialists we can help you get into your dream home sooner.
Services we provide:
- First Home Buyers - Refinance - Property Investing - Insurances
First Home Buyers & Guarantors
Most first time borrowers aren't aware their family members, usually their parents, can act as guarantors for a home loan. This is an option that allows family members to provide a guarantee in support of a borrower's home loan application by using equity in their own property as security for the loan. It is targeted at those with good ability to repay a home or investment property loan but who lack the sufficient equity to secure the additional funds they need to meet upfront loan costs and associated expenses. We can also assist in processing the First Home Owners Grant on your behalf.
Refinancing: should you put the effort in?
We have many Wynnum, Manly and Lota customers ask this question. Possibly. You'll need to weigh up the financial benefits against the costs and risks involved. I can help you understand the pros and cons. Call us today to arrange an obligation free appointment.
First time investors keen to make the most of it
First time and seasoned investors in Wynnum, Manly and Lota are starting to make the most of the current market. Rising rents, limited vacancies, competitive interest rates and relatively stable property prices all spell good news for those wanting to climb the property ladder. To create wealth through investment first time investors need to do their homework. A few points to consider when looking to buy an investment property, include:
- Suburb reputation and location e.g. close to the city, waterways, parks - Proximity to transport, shops, cafes and other entertainment - Proximity to child minding facilities, schools, or other educations institutions - If it needs any repairs or renovations now or in future, for tenant's comfort and for resale - If it is a unit, the trustworthiness of strata and the sinking fund level - The type of neighbours - Infrastructure planned for the area
We understand our clients want a home, but invariably need a mortgage to make this possible. When entering into a large financial commitment, it is also important to make sure you are protected in case of an unfortunate incident. At Aussie, we offer home, contents, landlord and mortgage protection insurances which can be arranged in conjunction with your loan application so that you get competitive cover when you need it.
How can I use the equity I've built up in my home?
As you pay off your home loan your debt decreases and over the years the value of your property may increase. If you find yourself in this situation, as many living in the local Wynnum, Wynnum West, Manly, Manly West and Lota area do, you may have equity which you can draw upon for a range of reasons. These can include investing in property, upgrading to a bigger place, or renovating your existing home. If any of these sound interesting to you, you'll need to sit down and assess your home loan. We've helped hundreds of clients through this exact process. Give us a call today and we'll review your current home loan to make sure it's working hard for you.
It make sense to review your loan when moving home
If you're considering moving home then you'll need to review your finances. The home loan that you first took out when you purchased your current home may have been right for your situation at the time. However, with so many new products entering the market all the time, you'll want to make sure your home loan is still working hard for you in the future. Reassessing your situation will give you peace of mind that you are either doing the right thing by your finances or need to make changes.
Thought about refinancing ahead of further rate rises?
Rising interest rates will impact minimum repayments for variable rate home loan borrowers and could make budgeting a challenge, which is why moving to another loan may save money, time and stress.Mortgage lenders continue to battle each other for market share by introducing more loan options, which can only mean good news for borrowers preparing for further rate rises. Regularly reassessing your situation provides peace of mind that you are either doing the right thing by your finances or need to make changes.
With the economy on its way up, borrowers should reassess their financial needs now and see if their loan matches their situation over the next few years. Shopping around now can pay off in the long run! As your local mortgage broker we can come to you day or night 7 days a week. We're more than happy to travel to Wynnum, Wynnum West, Manly, Manly West, Lota, Wakerley, Hemmant, Lindum, and Stradbroke Island including Point Lookout, Dunwich and Amity Point to discuss your home loan needs. Call us, your local Aussie Mortgage Brokers today on 3396 8000.