Do you need more than just a loan?
A large percentage of our clients are investors. One of our main strengths and points of difference from other mortgage brokers and branch lenders is our practical loan structuring advice. We help our investor clients achieve their investing goals while also providing advice on loan set ups that provide maximum future flexibility and control.
In short we ask what you want to achieve, then we map out how to get there. Common investor problems that we can help you with are fixing incorrectly / inefficiently structured loans, accessing equity when your lender says no more, overcoming servicing constraints when your lender says no more and assistance with complex structures such as company and trust lending.
More information for investors:
90% home loans & 95% home loans
We specialise in high loan to value ratio (LVR) loans including 90% home loans, 90% investment loans, 90% refinance and cash out loans, 95% home loans and 95 per cent investment loans.
Lenders have very different risk appetites for high LVR loans and these appetites do change from time to time. As we specialise in this area we have a very good understanding on not only what the current bank and mortgage insurers polices are but also how these policies are actually interpreted. This is vital to avoid the disappointment of having a loan declined.
We also specialise in structuring loans for investors seeking high LVR loans to minimise their overall mortgage insurance costs and to avoid cross collateralisation.
More information for high LVR loans:
Finance for an unusual property types
Lenders have very different policies when it comes to what is considered an acceptable security property for a residential loan. Some may finance a certain type of property but will restrict the loan to value ratio (LVR) available while others may say no altogether.
We are experts on what lenders will and won’t do. This is truly one area of finance where all lenders are not the same. A perfectly good property in one lenders eye is deemed unacceptable to another. Anything slightly unusual about a property can make it a no go zone for some lenders who since the GFC have become more and more conservative / picky in this regard.
Don’t just take your banks word for it! Often there are solutions with other lenders that won’t cost you anymore, in fact can be cheaper. Often these types of properties will be far better investments in terms of rental yield than a stock standard residential house in the suburbia.
We have options for financing:
Unusual income or employment
Do you have an income or employment situation that is a bit different or complex?
Many lenders have very stringent and divergent requirements about the types of employment and income they will accept. Often what is OK with one lender is not OK with another. We have had great success over the years helping credit worthy borrowers get their loans approved who may have had a slightly out of the ordinary income or employment situation that just didn’t quite fit with their existing lender or main financial institution.
Some of the main things we can help with are listed below but there are many more areas where we can help such as assisting those who may have multiple jobs, are on probation, receive large bonus payments as part of their salary, new arrivals to Australia seeking a 90% LVR loan and much more.