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Contact Information
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Ground Floor, Building 3, 540 Springvale Road, Glen Waverley VIC 3150
03 9075 0000
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Frequently asked questions
Quite simply you need to be sure that that a refinance is going to save you a meaningful amount of money after any potential refinancing costs.
Our team can calculate accurate savings you may be eligible for by comparing hundreds of lending products from over 30 lenders to tailor a lending solution that matches your needs and not just the lender involved.
Basically, it’s broken down into a few simple areas.
Personal Identification – Driver’s License, Passports, Birth Certificate
Income Documents – Pay slips, Tax Returns, Rental Statements
Property – Rates Notice, Contract of Sale and insurance certificate.
Other Financial Information – Savings/Bank Statements for Car Loan, Credit Cards and/or Personal Loans
Once we have the above documents, we can complete the required market research to determine suitable leading offerings. For those who own their own business, or have just started a new job, there are ‘Low Doc’ options available.
Contact us for a personalised list of the required items to obtain a finance pre-approval.
No, we will organise the upfront valuation on your behalf and usually at no extra cost. The valuer’s job is to determine risk should the property need to be ever sold and not to provide you as a borrower with a best-case marketing estimate.
As a rule, we recommend our clients save 10% of the property’s value, as this will allow for the 5% deposit required, mortgage insurance payable and any associated purchasing fees payable (stamp duty etc.).
However, the recommended 10% can vary if you are looking to purchase an investment property and/or if your purchase is eligible for the First Homeowners Grant (FHOG). Ultimately, the bigger your deposit the more likely you are to obtain a favourable decision from the lender.
Offset accounts a just like any ordinary savings account that has a BSB and account number, but they are linked electronically to your mortgage account to reduce the interest charged on your loan split.
Generally, offset accounts will increase the interest rate charged or fees levied so it’s important to consider the benefits of having such a feature. Fortunately, you can get much the same outcome as an offset account as a
Best Guidance
Our team can guide you through the entire process from home search to closing, save you time and energy to achieve your financial goals.
