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Buying a Property

Whether it’s buying an investment property or a new home, you may need help working out how best to finance your new house and keep up your lifestyle. With our in-house mortgage and debt advice specialist, Emily Jenkins, we can add value to your financial position by showing you how to structure your debt correctly – helping you pay off your home loan quicker and build your wealth.

Before buying a home you should:

  • consider the financial costs involved
  • find the right lender and home loan
  • identify where you’d like to buy
  • find the right house
  • arrange building inspections
  • think about how you’ll repay the home loan (e.g. fortnightly, monthly)

Some questions you may wish to consider include:

  • Am I better off renting than buying?
  • How much can I borrow?
  • How much deposit will I need?
  • How do I find the right mortgage for me?

And here’s how we can help:

  • Work out how much you can borrow based on current financial capacity
  • Calculate the deposit you are likely to need
  • Identify strategies to save for a deposit in the timeframe you set
  • Set a budget to cover your mortgage commitments when you have bought your property
  • Work with a range of lenders to provide you with loan options that suit your individual needs
  • Ensure you get the right structure in place (e.g., offset account) and a low interest rate on your loan
  • Organise your application and deal with the lenders
  • Help you sign your loan documents and arrange settlement
  • Determine the need for insurance such as income protection, death and total and permanent disability (TDP) and whether they’ll be appropriate for you.