ALL LOANS GROUP
WHAT MAKES US DIFFERENT?
Whether you are looking for your first home, your next investment property or to simply reduce your mortgage repayments, we can help. Here at All Loans, we believe that you shouldn't be forced to choose from a bank's limited range of options. That's why we look at a variety of lenders for your situation.
We work hard so you don't have to. We take care of all the long phone calls, help you decipher those tricky contracts and explain your options to best suit your financial needs.
Best of all, we come to you at a time that best suits you, whether that be after work or on a Sunday evening
First Home Loans
WE DO ALL LOANS
Be it for a car, residential property, investment property, right through to a commercial property. We understand that purchasing your own home or residential investment property can be a very nerve racking experience. It is our job to walk you through the complex maze of loan products available on the market, to make it a hassle free and seamless process.
Let us save you time and money by helping you find the home loan that will work best for you.
We will work with our large panel of lenders (including all the big banks, as well as many smaller lenders) to provide you with the loan which will help you to purchase your dream home, pay it off as quickly as possible, or achieve whatever else is most important to you.
Whilst some brokers and lenders can sometimes adopt a one size fits all approach, we will take the time to fully understand your requirements. So we can make the most appropriate recommendations.
Investment loans for any worthwhile investment purpose from a wide variety of lenders.
We particularly specialise in providing loans for investment property purchases.
Whether you are an experienced investor or a first time investor, we are here to help you achieve your goals.
We can help you to structure your investment lending to follow the tax advice you may have received from your Accountant (We always recommend you speak to a professional – such as an Accountant or Financial Adviser before you settle on an investment/tax strategy).
We can also demystify the many loan options available, and other investment considerations, and the effects they may have on you such as –
Fixed Rate Versus Variable Rate Loans.
Interest Only Versus Principal & Interest Repayments.
Interest In Advance.
Off The Plan Purchases.
Negative Gearing Versus Positive Cashflow Properties.
Depreciation (Quantity Surveyors).
New Property Versus Older Property.
Using Equity in Existing Property.
All your financial commitments (loans, credit cards, home/health/car insurances, phone/internet etc) should be reviewed on an annual basis, and not become set and forget (otherwise you are playing into the providers hands, who do not have to offer you anything to retain your business).
Your current loan may have been the best choice at the time you applied for a loan, but is it still the best for you? Chances are there are better options now available, and a change could potentially save you thousands of dollars a year, and hundreds of thousands of dollars over the life of the loan.
We can help you to take advantage of lender special offers which you might otherwise never be aware of.
Unfortunately, many borrowers put off looking at other options for all the obvious reasons – They don’t have the time, are uncertain they will make any worthwhile savings, and it all seems too hard (which it can be if you have to do it yourself).
That’s where we come in - All you need to do is pick up the phone and give us a call or send us an email, and we will take care if the rest – and the best part is that it will not cost you a cent!
As we always say, you have “nothing to lose, and everything to gain” and “Time is Your Money”
You should consider a refinance of your home/investment loans if any of the following apply to you –
Your Variable Interest Rate is above 4.00%
Your current loan is on a Fixed Rate which expires in the next 3-6 months.
You are unhappy with the service provided by your existing lender.
You have loans with more than one lender.
Your loan balance is not reducing as fast as you would like.
Let us provide you with a free, no obligation loan comparison.
You could save thousands of dollars over the life of the loan!
First Home Buyer Loans
One of the biggest decisions in your life is the purchase of your first home.
This can be a very stressful time, and whilst this may be your first time purchasing a home, rest assured it’s not the first time we have obtained finance for a first home buyer!
We can help take all of the stress away by helping you to firstly prepare for your purchase by obtaining a finance pre approval, and giving you a clear indication of your borrowing capacity (which will enable you to sign a purchase contract with confidence).
We can also discuss options if you do not have any (or a limited amount of) genuine savings as a deposit (which most lenders prefer). This can be assistance from family, or using rental payments in lieu of genuine savings.
We will also advise you and help you to obtain the First Home Owners Grant (FHOG), which is available in each state (subject to eligibility).
We will also discuss options to minimise Lenders Mortgage Insurance (LMI), which is generally payable when you borrow more than 80% of the value of a property.
If you do not currently qualify for a loan, we will help you to be eligible to apply for a loan in the near future.
A Construction Loan is required if a new home is to be constructed (generally on a block of land to be purchased, or already owned), or if significant renovations are to be undertaken to an existing property.
The loan application, and post settlement process is quite different to non construction loans, with many more factors to be considered.
It is therefore extremely important that you are able to discuss all of this with someone who is not affiliated with either the lender, or the builder.
We will provide you with all the information you need to fully understand the process from beginning to end to make the construction of your home as stress free as possible.
We will discuss various issues, such as –
Finance Pre Approval.
Interest Only Versus Principal & Interest Repayments.
Building Contracts and Variations.
Paperwork Required From the Builder by Lender.
Interest Repayments following Land Settlement/During Construction.
Progress Payments/Valuation Inspections.
Deposit Required by Builder.
House and Land Packages Versus Buying your Own Land and choosing a Builder.
First Home Owner Grants, and Stamp Duty.
Self Managed Superannuation Fund (SMSF) Loans
A Self Managed Super Fund (SMSF) enables investors to take control of their retirement funds by controlling the types of assets held by the fund.
SMSF’s are subject to strict guidelines and advice should be obtained from a suitably qualified Financial Adviser to ascertain whether the establishment of an SMSF is advantageous for you, and to decide on what kind of investments the SMSF will hold.
If the SMSF is to invest in property, loans are available from various lenders (not all lenders offer this kind of finance, which is very specialised and highly regulated), subject to strict qualifying criteria (which is subject to change at any time).
We can provide you with the best SMSF loan options prior to establishment of the SMSF, to ensure that the SMSF will qualify for finance, once established.
We can also provide a referral to a Financial Adviser if required.