Home Loan

Home Loan

Hassle Free Home Loans and Mortgage Process

Where are you right now with your finance approval journey?

Every buyer journey is unique and we pride ourselves in taking the ‘complex’ out of your finance approval process. Our experience serves as a foundation to creating the right pathway for you, we are committed to understanding your lifestyle and listening carefully to your personal goals to ensure the deals we bring to you are specifically catered to you.

Finding the right kind of mortgage is not an easy task, but you have us in your corner to strike you the best deal. At Finance Hub, we encourage buyers into doing informed research, ask us questions and arm themselves with the knowledge that is required to weigh the correct options and make the best decision. The home buying journey does not have to be complicated and overwhelming because you have us with you every step of the way, to guide you and to light the pathway.

This is exactly why we offer a range of Home Loan solutions. Each home loan solution can be analyzed before making the final decision, to help you achieve your home ownership goals. Our experts will not only help you with the weigh your options but also provide personalized recommendations on how you should finance your loan to suit your personal needs.

FINANCE SOLUTIONS

  • First Home Buyer Loans

The first step into the property ladder. This is your first overwhelming step after a lifelong of preparation and we are here to ensure the process is worth the wait. Our experts are on top of the finance approval and lending game. Whether it be keeping up to date with Government Incentives for first home buyers, such as First Home Loan Deposit Scheme (FHLDS), Stamp Duty Exemptions and reduced LMI (Lenders Mortgage Insurance).

We got you covered! Refer to our lending process and flow chart to understand exactly how the lending process works. Call us today for more information.

  • Investment Home Loans

Firstly, if you are thinking of an investment. Congratulations, you are already planning a portfolio and your financial future. That is commendable. But are you pondering over questions like, should I refinance my existing home? What is my equity and how much can I borrow? How do I go about the documentation and which lenders should I approach?

Leave the worrying to us. Pick up the phone and give one of our experts a call, we can explain the entire process from deposit requirements to refinancing an existing IP loan. We promise to help you find a way to achieve your goals and work towards it together.

  • Off The Plans Home Loans

Have you ever heard a realtor mention you can purchase this New Build property, off the plan? Securing a property while it’s under construction stage can be a complicated process, especially for first home buyers. With us, we ensure an end-to-end process to make the home lending as smooth as possible. Our team can assist you with the lending to secure your purchase. And further on, work in conjunction with the Real Estate Agent and the financial lender to ensure settlement of the property is hassle free once development is complete.

  • Family Guarantee Loans

Kudos, to the parents wanting to assist their children with their first major investment. Is it possible? YES!!

Although every family’s situation is so unique, we need to speak to you personally and understand in detail about your current financial situation and future investment goals. Give us a call so we can discuss one of the many questions surrounding a Family Guarantee Loan.

  • Bank Said NO?

Before you let your stress levels hit the roof, get in touch with us. Let’s look at other options, have you considered non-bank lending? The mortgage advisors here at Finance Hub can help you secure a home loan with pleasantly surprising rates with a non-bank lender – sometimes even up to 90% lending. It is important to remember that every individual’s financial circumstances are different, therefore please contact us to know more and analyze if this could be a suitable option for your situation.

  • Low Document Home Loans

This can be an exceptional methodology to secure loans for Self Employed customers who can service a home loan but are unable to provide the usual verification documentation such as financials and tax return. This is a very unique and catered service, depending on the kind of business/ self-employment and your current financial circumstance. Give one of our experts a call to discuss more about how we can assist you.

  • Construction Home Loans

Wanting to purchase land and then build your own house? An immense step, we admire you for your goals and will work with you every step of the way. Firstly, we need to finance the land purchase and then work on executing the construction loan – this step requires jumping through multiple hoops like architectural drawings, council approvals, building contracts and so much communication between all relevant parties. But it is a challenge we look at positively and the end results are guaranteed to be worth all the hard work you have put in.

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