The process of looking to buy your first home can be extremely daunting and sometimes it is hard to know if you are in a position to buy.
How much deposit do I need? How much can I afford to borrow? What fees and charges are involved? How much will my repayments be?
These are just some of the most common questions. Even if you don't think you have enough deposit to get started, it's really valuable to have an appointment to get some direction for your savings plan and know what your budget should be.
Alternatively we can assist with Parent Equity - yes, that's right if you don't have a deposit at all you can still buy your first home provided your parents are prepared to lend you equity from their property.
There are so many options and it is our job to help you find the best solution & help you make the first step to they great Australian dream in owning your own home.
Whether you are looking to upgrade as your family is growing, downsizing, relocating, retiring etc.
You may need to assistance to work out how much equity you have. Also, you may have found the property you want to buy but do not yet have a buyer for your current home. Bridging finance may be a short term solution. We will also ensure you get the best rates on your new loan.
You may be in a position right now to buy an investment property without even having to contribute any deposit.
Over the years we have helped many clients to take the first step in building their investment portfolio - let's face it the pension is not going to be around forever and who knows if you will have enough super to live the life you want. This is where investment properties can assist in additional income for later on in life, also it's a great tax offset too.
You may have had a mortgage with the same bank for many years. It works well you don't have to think too much about it, you just pay it every month and may not even be able to say what the interest rate is on it.
We have refinanced many clients over the years and provided personalised assistance that has shown them competitive choices.
Our commitment to you is that if we cannot find the right loan that suits your needs and objectives - We simply won't write the loan.
We operate with integrity and honesty which is so important and it's why we have many repeat clients and a very good reputation.
Our commitment to our clients is to find you the best rate and a product that suits your needs.
No deposit, no problem provided your parents would be happy to lend you the equity within their home.
This is limited to direct family members.
You can borrow 100% of the purchase price + fees and charges.
Do you want to build your own dream home?
The Finesse Finance team can build through a registered builder, owner builder or even transportable homes.
With government grants available for construction it may assist to add to your deposit.
Finesse Finance have assisted many clients to build their dream home.
There are many things to be aware of and prepared for with council approvals etc.
We support our build clients the whole way through to handover..
Every bank has online calculators to work out how much you can borrow.
The only trouble with that is you don't know what each bank's policy is for income. For example they may not allow your overtime or commission. If you would like a thorough calculation on your borrowing capacity please contact me and we will ensure you know exactly how much you can borrow.
Personal loans, Car Loans, Loans for Shares, Boats, Caravans, Holidays, Weddings, Consolidation, Small Business, Commercial, Trusts, Parent Equity, Guarantees, Marital Separations and much more.
If you would like to know how we can assist, no question is too silly with regard to finance and trust me when we say we have heard or assisted with something like it before.