Services
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First Home Loan
Buying your first home can be exciting or it can also be complex. We're here to help simplify the process and make your mortgage really happens.
Investment Loan
Is it time to build your investment portfolio ? There are many benefits of investing in property, including rental income, capital gains, tax benefits, negative gearing and equity.
Refinancing Loan
There are many reasons you might want to refinance. Home renovations. Consolidate debts. May be your existing loan has reached to fixed terms.
SMSF Lending
Buying real estate through an SMSF is more complicated than other types of property purchases.
Car Finance
Our experienced team can save you time and hassle with car finance.
Construction Loan
Watching your home come alive brick by brick, can be one of the greatest experiences of your life.
Looking to buy your first Home ?
Getting the keys for your first home is an exciting time in anyone’s life, however it is often a complicated process to get there!
What is the best way to get a first home loan? Am I eligible for the First Home Owner Grant (FHOG)? Is it going to be approved? Can I use a Guarantee? How much will it cost for your conveyancing? Can you afford the repayments? You’re not even sure what you need to know, what you need to do or even when? And of course, you don’t want any nasty surprises. From the paperwork through to the various loan options through to deciding on a variable or fixed interest rate, the first homebuyers market can be a daunting environment for a newcomer.
We love working with First Home Buyers – it’s hugely rewarding to see them get the keys to their new home.
By using Loan Deal Finance, you have an expert by your side & you’ll enjoy our simple process which answers all of these questions and more, clearly and succinctly. There’s no need to feel overwhelmed or to try and do this alone.
1. Help you get pre-approval.
2. Support you all the way to your first home.
3. Apply for incentives.
4. Explain the costs & process.
Construction Loans
Are you looking to build your dream home? We provide loan solutions for buying land, building new homes, purchasing off-the-plan and house & land packages.
Renovating or building your dream home?
If you’re thinking of building your own home from scratch, it’s a smart move to research your finance options before you enter into a building contract.
Securing a loan to build a home is a little different than buying an established house because often the land and building purchase will need to settle separately.
The application stage
To accommodate this, your lender will likely manage your initial loan as two separate but simultaneous applications – one for the land purchase and the second for the completed house and land cost.
The second application will eliminate the first loan and leave you with just one loan.
The construction stage
Most lenders will also require you to build on your land within two years of settlement – this does not mean you need to finish the home within the two year time frame, just that you need to start building within two years of settling on your land.
The construction of your home will generally be conducted in stages, with payments required at the end of each stage.
The repayment stage
The bank or lender only charges you on the amount of money you have drawn down, therefore your minimum repayment will vary depending on which stage your home has reached.
While most construction loans have a variable interest rate, there are some available that operate as fixed rate loans. If you do use a fixed rate construction loan, you may end up with one rate on your land loan and a second rate on your construction loan.
Refinancing Home or Investment Loan
Why pay higher interest rate when you can get better rate and cashback with other lenders? When was the last time you had a professional broker to negotiate more competitive terms and rates for you?
As time changes, the situations change. Perhaps you’ve changed jobs? Or there’s a new addition to the family? Maybe you would just like a better rate? Or maybe that leaking shower or tired kitchen has just reached the end of its life.
You could also draw down on your equity to help fund a renovation or upgrade your home. And, if you want to, you could use your equity to help purchase an investment property.
A shift in circumstances may mean it is time to revisit your home finances. For many, the idea of refinancing a mortgage can be daunting. Fees and fixed versus variable interest rates need to be considered.
The right refinanced loan might help you to pay off your mortgage faster and for less, clear unhealthy debt or upgrade and add value your home, all of which are steps in the right direction. We will provide you with a detailed report to compare your options and see how much you could save either staying with your current bank or refinancing elsewhere!
Investment Loans
Stress-free loan process
A favoured way of building wealth in Australia is through investment property. Generally, properties in Australia is still considered to be a sound investment due to steady and consistent increases over time. But it’s not a quick win. Property usually has a seven to ten year cycle, with highs, lows and steady stints in between.
Fortunately, an ongoing housing shortage in Australia and a tax system that allows negative gearing on property (where any investment losses can be claimed as tax deductions) continue to favour housing as a solid, long-term investment. It’s now more common to find investment loans priced with a higher interest rate than an owner occupied loan. This is due to restrictions placed on investment loans to give first home buyers and new home buyers a better chance to buy a property.
We are here to help find the right lender and loan for your circumstances in this new environment. If you are getting knocked back by your bank or just want a lower interest rate on your current loan, talk to us. We deal with over 50 trusted lenders to find our clients the ideal loan for their individual requirements.
Advantages of property investing
1. Capital growth.
2. Rental income.
3. Tax benefits.
4. High demand for rental housing.
5. You can add value to your asset.
6. Hedge against inflation.
7. Property is considered a ‘safe’ investment.
8. High degree of control.
Car Loans
EASY APPLICATIONS & LOW RATES, GET PRE APPROVAL WITHIN 24 HOURS!
Our Team will compare the various loan products available to you to select the most beneficial car financing option for you. Regardless of whether you are purchasing the car for personal or business use, our team will work with you to explain the various options available to you to fully understand the implications. With our expertise in finance, we will also ensure our clients are budgeting effectively and simultaneously saving interest.
SMSF Loans
If you have a self-managed super fund (SMSF), you may be eligible to borrow money to finance an investment property. Purchasing a property with your self managed super fund ( SMSF ) can be a complex process. Lenders offer a wide range of significantly different lending options for SMSF loans and there are strict ATO regulations on borrowing money to purchase a property with your super.
Wondering if an SMSF loan is right for you? Once you’ve consulted with your financial planner or an accountant, we’ll compare lending products suitable for your fund, guide you through the process, and help you long after settlement. Your SMSF property loan approval largely depends on the quality of your application, so it’s essential you put your best foot forward. That’s where we come in. Call us today to find out products suitable for your fund, guide you through the process.
