Mortgages_highres_b-wAt Financial Decisions, we understand that comparing and understanding the different terms and conditions of various loans can be confusing and time consuming.

Whether you are a first home buyer, refinancing, investing or refurbishing, our specialist team will research the market to source the best mortgage product that suits your criteria at no cost to you. We will also support you through the application and settlement processes.

We provide guidance on how much you can wisely borrow as well as the many different mortgage products including rate types such as variable, fixed, line of credit and offset as well as introductory offers.

To ensure your finances are in place when you find your dream home, we will work swiftly and efficiently to source the right loan for you through our accreditations with over 35 lenders throughout Australia.

We are a full member of the Mortgage & Financial Association of Australia, which means we adhere to an industry Code of Practice requiring professionalism, ethical behaviour, transparency and a commitment to the borrower.

In summary, our advisers can help you to:

  • reduce your debt;
  • consolidate existing debts into your mortgage;
  • use your equity;
  • reduce your current interest rates;
  • understand the benefits of negative gearing;
  • pay off your mortgage faster; and
  • borrow to acquire property in your self-managed superannuation fund.

Back

success-1

Home Owner

  • Affordability Assessment
  • Rate Options
  • Ownership Structure
  • Essential Loan Features
  • Contingency Planning
  • Principle + Interest vs Interest Only

SMSF

  • Assessing Options
    • SMSF Trust Deed/Bare Trust
    • SMSF Loan Pre-approval
dollar-symbol

Investor

  • Affordability Assessment
  • Rate Options
  • Ownership Structure
  • Essential Loan Features
  • Contingency Planning
  • Principle + Interest vs Interest Only
chart

Business Borrowing

  • Clarifying your Business Needs
  • Assessing Options
  • Structuring
  • Assisting with Documentation
dollar-coins

Reverse Mortgage

  • Assessing Options
  • How Much to Borrow
  • Risk Assessment
clock

Leasing

  • Novated Lease
  • Chattel Mortgage
  • Finance Lease
  • Operating Lease