Services
Home Loans
Are you a first-home buyer? We understand that buying your first home is a huge decision and can sometimes be daunting and confusing.
We assist first-home buyers throughout the process by breaking it down into simple steps, from the first appointment to loan settlement for established homes, finding a block and selecting a reliable builder, to key handover for construction loans.
Current benefits for first home buyers.
First Homeowner Grant of $10,000 from WA State Government for first-home buyers who are constructing a home or buying a new home. They will be the first occupants of the home. Kindly follow this link for more information: https://www.wa.gov.au/organisation/department-of-finance/fhog.
Home Buyer Assistance Account. HBAA.
This is a $2000 cash payment from the WA State Government for first-home buyers to cover expenses associated with buying or building their home. The home must be purchased or built through a licensed real estate agent, and the cost must not exceed $500,000. More information can be found on
First Home-Owner Rate Exemption. (FHOR Exemption)
Under this scheme, first-home buyers who purchase an established home that costs $450000 or less are exempt from paying stamp duty. Any amount after $450000 will attract a levy on every dollar. Visit this site for more information https://www.wa.gov.au/government/publications/duties-fact-sheet-first-home-owner-rate
Federal Government First Home Guarantee Scheme:
This initiative allowed first-home buyers to purchase or build their first home with just a 5% deposit. No lender’s mortgage insurance LMI is required. This is not a cash payment. It is a government-backed guarantee through which participating lenders offer home loans to first-home buyers.
To be eligible, an applicant must be
Citizen or Permanent resident
18 years and above
Never own had interest in a home before
Annual income must not exceed $125,000 for a single applicant
Couple $200,000 or less.
For more information, please visit https://nhfic.gov.au/home-guarantee-scheme.
Home Loan Refinance
Have you checked your home loan interest rate recently? Chances are, you could be paying more when cost-effective alternatives are available.
Why Refinance?
Lower Interest Rates:
Refinancing when interest rates are lower can reduce your monthly payments and save you money over the life of the loan.
Shorten the Loan Term:
Switching from a 30-year mortgage to a 15-year mortgage, for example, allows you to pay off your home faster and save on interest, although your monthly payments may be higher.
Convert from Variable to a Fixed Rate: If you have a variable-rate mortgage, refinancing to a fixed-rate mortgage can provide stability with predictable payments.
Access Equity:
Cash-out refinancing allows you to take out a new mortgage for more than you owe and pocket the difference, giving you access to your home’s equity for major expenses like home improvements or debt consolidation.
Investment Property
Are you contemplating buying an investment property but require more information about the process, costs involved and benefits? Well, you are at the right place. We will walk you through how to use your current equity to buy or build an investment property.
Personal loans
For a wide range of purposes such as travel, weddings, home renovation, buying of furniture or a car, educational costs and debt repayment, we can assist you in acquiring a personal loan with competitive interest rates and unrestrictive terms and conditions that meet your needs and financial goals.
Asset finance
The acquisition of an asset can often be an expensive out-of-pocket project for business owners, but help is available. Whether you want to borrow money to purchase equipment, machinery, or vehicles, we will search our list of panel lenders and provide value for money or cost-effective options for you to choose from.
Some Helpful Resources:
Talk to us
“Get expert guidance on home financing, refinancing, and more. Let’s find the right solution for you.”.