Home Loans

 

First Home Buyers

Generally Lenders require 5% deposit (genuine savings) for a first home purchase. But there are other avenues if you do not have this saved, such as it could be a gift, the sale of an asset or someone who offers their own property for limited security/guarantee to help you.

As a first home buyer in Queensland, in the majority of cases you would qualify for the exemption from paying stamp duty on your purchase.

Being a first home purchase you will have lots of questions and we welcome your visit to our office to answer them and get all the information you need to move forward. Our services are without cost to you as Lenders pay us for arranging your home loan with them.

Next Home Buyers

Whether you are buying or building a larger or better home for yourself you may not need any cash deposit at all if you are currently paying off your existing home. At this time we can review your loans and set up new loan accounts to suit and better your circumstances

If you do not own any current property or are selling your current property to upgrade, then most likely you will not need any “genuine savings” and we invite you to talk to us and obtain cost free advice on Lenders and their loan products that will suit your proposal. We advise and recommend Lenders that we believe will approve your loan application and their loan product used will suit and benefit your next home ownership.

Credit History

Yes, there are specialist Lenders we can use who can provide a home loan to someone who has current credit issues or difficulty in the past with their credit rating.

Although the interest rate for specialist loans have a margin above standard bank rates, we will keep in touch with you and maybe even after a short period of 12 months, with good conduct we can look then at refinancing you back to a standard Bank home loan. This is a far better option than waiting for sometimes up to 5 years for your credit rating to be cleared up before purchasing a home.

Investment Options

Buying residential property for investment is a very calculated decision and done to minimise your tax liability and at the same time hopefully receive capital gain over the period of ownership.

You should have realistic expectations with both the rental returns and expected capital gain over the period of your proposed investment. That is where we come into it to take your aims and expectations into consideration and set you up with a loan that suits your intentions.

Today’s best interest rate is not always tomorrows best interest rate so we have to ensure the Lender and loan product we go with will be beneficial and suitable to you now and in your future. We want to talk to you some years later and hear you say that “all is still good with the Bank you put us with”.

 

Refinancing and Loan Consolidation

This type of lending is as common to us as a home purchase loan.

People come to us all the time with stories like “I’m sick of my bank”, “My bank does not have a Branch in town”, “My bank interest rates are higher than everyone else”, “ I want to put all my loans into one and just have one loan repayment”, “My bank charge me fees for everything” and so on.

People these days are cost and service conscious with Banks and as their exit fees have been abolished on home loans, it is quite easy for you to move your home loan to a better Lender, loan product and situation. This is where we come into it and see what you want and expect, then we do this all for you.

If you are considering refinancing your home loan to a better rate for example we use this opportunity at the same time and consider putting in any other current debt you might have like paying out credit cards or car loans and even at the same time getting some extra cash out for personal use like home improvements.

Connect With Us

  

About Us

Whether you are looking to purchase your first home, renovate, refinance or invest, we’re here to negotiate the right finance for you. We’re a one-stop shop with hundreds of loan options available from across Australia’s leading lenders and we’ll work with you to find the right finance solution to meet your needs.

Contact Us

Contact Gladstone Home Loans directly on:

Phone: (07) 4978 7422
Mobile: 0428 780 384
Fax:
  (07) 4978 7433
Email: This email address is being protected from spambots. You need JavaScript enabled to view it.

Visit our head office at:
63 Aramac Drive
Gladstone, QLD 4680

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