Loans

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 How we can help you:

• We help guide first home buyers’ step by step through the entire loan process
• We learn your needs to enable us to compare the loans of leading Australian lenders to find the right options for you
• We provide expert advice to help you make informed decisions
• We explain all the terms and conditions so you feel confident and comfortable
• We make sure you understand all the costs involved
• We ensure you receive all the first home buyer grants & exemptions you are entitled to
• If  you need a guarantor, we help them understand the conditions and do all the guarantor paperwork
• We liaise with the lender on your behalf and complete your loan application
• We work with your conveyancer/solicitor to ensure you have a smooth property settlement 
• Once you are settled in your new home, our service does not end. We continue to work with you for the life of your loan. 

Looking for a better Rate?

 Refinancing could help you save on interest. 

Or you may be looking to consolidate debt, renovate your home or add a pool? 

Mortgage Through Me offer free no-obligation reviews of your current loan, we will compare your current loan against a large network of Australian lenders, to find the best loan for your situation.

Check out our loan calculators to see potential savings or borrowing capacities.  

 Are you a seasoned investor growing your property portfolio or thinking about buying your first investment property? 

Our flexible approach may be all it takes to get you reaching your investment goals. 

An investment loan is a mortgage used to purchase a property intended to generate income, requiring higher down payments, stronger credit, and careful financial planning.

Investment loans are generally offered to individuals planning to rent out the property to tenants.

It is best to speak to a License Financial Advisor or an Accountant to ensure an investor loan meets your individual  circumstances.  

  Borrowing funds to purchase a property via your SMSF is a great way to grow your retirement funds, however it is highly regulated and there are risks involved.

It is best to speak to a License Financial Advisor or an Accountant to ensure you are set up correctly before purchasing a property via an SMSF. 

Details that will help your SMSF be compliant:

• Do you have an existing SMSF? (If not, you will need to set one up first)
• Is the property residential or commercial? (This helps determine the deposit required, usually 20% for residential and 30% for commercial)
• Does your fund have at least $200,000 to ensure you meet lenders liquidity requirements?
• A separate Bare Trust will be required to hold the property 
• Does the SMSF investment strategy align with purchasing a property?

1. The property must: 

• meet the ‘sole purpose test’ providing retirement benefits
• not be acquired from a related party of a fund member
• not be lived in by a fund member or any related parties
• not be rented by a fund member or any related parties.