Home Loans:

Deciding to take out a home loan can be one of the scariest and most exciting milestones in a persons life.  There are so many different banks and lenders and lots of types of loans that it can be very confusing.

One of the first things you should ask yourself when considering if should get a home loan is can you afford it?  Then you should consider which one?  At Financial Advisers Australia (FAA) we can help you look at your situation and options.  We are an independent company and therefore we have no incentives to encourage you to choose one loan over another if it is not right for you.

What’s important to you?
When looking for a financial institute to help you navigate all of the red tape of getting a home loan you should consider:
- Are you getting an independent comparison of all of the banks and lenders?
- What type of service will you get?
- What is the interest rate of the loan?
- What exactly is in the ‘product’?
- Does the financial institute off you any ‘after care’?

Types of loans
There are so many types of home loans options.  Some of these include:
- Variable or fixed home loans
- No deposit home loans, where you can use equity or a family pledge etc.
- Low doc home loans, if you are self employeed
- Line of credit

We can also evaluate your current lending situation to compare package offers to see if you are getting the best possible value for your money or if you should refinance.

Why choose us?
At FAA:
• we are independent and deal with all major banks, third tier lenders, smaller lenders, building societies and various other financial institutions;
• we provide you with an independent comparison of which loan is best suited to you;
• we have access to a wealth of knowledge, connections and resources;
• we work to create a structure that best suits your needs and to ensure that we minimise any other incurred costs (eg. Lenders mortgage insurance premiums);
• we liaise closely with conveyances and builders to ensure that your best interests are protected throughout the process (signing the contract right through to property handover);
• we can help you buy an existing house or to buy a house and land package to build your home; and
• we do a review after settlement to ensure that it is all working as it should and you are confident with your situation. 

How can we help you?
We recognise that our clients are busy and it can be quite a lengthy process to get a loan.  We can help you because:
- you don’t have to go to a branch to process you application;
- we chase up the banks instead of you;
- we keep you informed at every step of the way;
- If you are building a new home we can oversee and arrange payments to the builder for the construction;
- we can send you photos of your new house at various stages of construction with regular progress updates; and
- simply put we do it all for you.

Please contact us for a free no obligation appointment where we can look at your individual situation.

Financial Advisers Australia- Australian Credit Licence Number 388789  

Prepared by John Hehir FAA (Financial Advisers Australia).