Home Purchase – Upgrading
Through a combination of our years of experience and our customer focused loan comparison software we will help you to choose the loan that is right for you. We will review all of your individual circumstances and goals including the features you require in your new home loan then match these across the hundreds of loan products available to us from over 20 lenders.
We will then present these to you, ranked by overall cost, so that you can make a fully informed decision on the loan and lender that YOU feel most comfortable with.
Finally, we will prepare your loan application, lodge it with your favoured lender and manage the whole process on your behalf ensuring that you are kept fully informed all the way.
If you are looking to upgrade, downgrade or simply relocate talk to us now to ensure you are getting the right credit advice.
Click here to request a FREE copy of our “Buying and Selling Property Guide” eBook.
First Home Owner
Buying your first home is an exciting experience but without the right help the excitement can soon evaporate into unnecessary stress and frustration. We’ll give you all the right credit advice and ‘hold your hand’ to help you through the maze of jargon, First Home Owners’ Grants and selection of the loan that you feel most comfortable with and which will fit in with your individual circumstances.
Our state of the art “Customer Focused” loan comparison software will give you all the facts on the loans available from our wide lender panel and put YOU in charge of making the right decision.
Then we’ll lodge your application and manage the whole process through to settlement of your purchase and beyond.
Click here to request a FREE copy of our “First Home Buyers’ Guide” eBook.
Investment Property
Whether buying your first or twentieth investment property it is important to ensure that both your Investment AND Owner Occupied Loans are structured to meet your current needs while also considering your long-term financial and lifestyle goals.
We provide expert Credit Advice on loan structuring to support your investment strategies and will provide a FREE review service to ensure that your current loans are still supporting these strategies. If they are not we will recommend improvements which may reduce costs, save interest and free up equity.
Talk to us about the best way to structure your loans to suit your ongoing investment strategies. Our range of hundreds of loans across 25 lenders gives us access to many of Australia’s most competitive loan products that will suit your needs now and into the future.
Click here to request a FREE copy of our “Property Investors’ Guide” eBook.
SMSF Loans
Until 2007 Self-Managed Super Funds (SMSFs) were unable to borrow for the purpose of investing in property or shares. However, in 2007 the laws governing Superannuation Funds changed, allowing borrowing for these purposes provided very strict rules are followed. These changes resulted in a big increase in the popularity of SMSF’s, however; when considering entering into this area of investment it is important to get the right advice – the consequences of not doing so can prove to be extremely costly.
We are expert CREDIT ADVISERS in the field, having gained the Mortgage and Finance Association of Australia’s (MFAA) highly valued SMSF Adviser accreditation. It is also important to seek the advice of suitably experienced Financial Planners, Accountants and Solicitors to ensure that the complex trusts, trustee companies and financial strategies are set up correctly. At Portfolio Capital we work closely with your advisors and, where required, have our network of experts across the various disciplines.
Buying Off the Plan
If you are considering buying a property “Off The Plan” there are many things that need to be considered in respect to your financing arrangements. We are highly experienced in arranging this type of finance and ensuring that you are in a position to meet your settlement obligations on time. We’ll work with you to obtain your initial financing approval and throughout the construction phase and liaise with your developers in order to meet the lender’s financing conditions. Most importantly, we provide continuing credit advice to minimise any risk to your financing arrangements.
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Over time your circumstances and financial needs evolve and the home loan market changes. This means that the loan that was suited to you when you first took it out may no longer be the best options available. We offer a FREE Home Loan Review service during which we’ll explore new options to save you money and grow your equity faster. Call us now to book your free consultation.
Click here to request a FREE copy of our “Refinancing Your Home Guide” eBook.
Self Employed
Whether it’s an investment property, owner occupied, purchase or refinance we understand the, sometimes special needs of our Self-Employed clients. Give us a call to discuss your home or investment loan needs and we’ll work with you and our range of lenders to make sure you get the best possible deal from our wide range of lenders.
