Mortgage Broker St Albans, Deer Park, Caroline Springs, Sunshine
Home Loans in St Albans
I have access to home loans from a wide panel of major banks and secure lenders, and I truly understand home finance in a real estate context. Getting your home loan sorted out early can ensure you are in the best position to negotiate for your home on your own terms. And while the home loan application process can seem daunting, it is often simpler than most people think.
My name is Lynette and I have been consulting with Hannah Nguyen in setting up a home loan through the CBA. I just wanted to inform you of impeccable service she has provided. My partner and I are buying our first home and I must admit were not sure what to expect. However, Hannah has provided us with lots information which has put our mind at ease. She has made herself available to answer all our questions and has provided us with enough information to ensure we understand the processes that you must go through in order to obtain a home loan.
I appreciate the fact that she has been available at all hours of the day even late on a Saturday when we were asking for information after putting forward an offer for a house. She has ensured that we are up to date all times through emails and phone calls and being someone who needs to keep up with what is going on it is much appreciated.
Thank you very much for a great service, especially to two people who are very new at this. I am feeling much more comfortable about buying a home and are pleased we have made the decision to go though Loan Market. I appreciate the fact that the process has been quick and relatively painless and I feel that with Hannah's assistance it has been much easier. We are now looking forward to settlement and I can't wait to move into our new home.
Lynette, First Home Buyer, Derrimut, VIC 3030
Home Loan Deposits
Most banks and lenders will require a minimum deposit of 5 per cent of the value of the property you are purchasing, before they will approve you for a home loan. Depending on the lender and your individual situation, you may be able to fund your deposit from a range of sources, including genuine savings, monetary gifts, inheritances and first home owner incentives. However, most lenders will require at least a portion of your deposit to come from genuine savings.
If you don't have the deposit required, you may be able to make use of family equity, also known as a limited guarantor loan. The most common form of family equity is where a family member, offers their existing property as security for a portion of the home loan, generally around 20 per cent.
First Home Buyers in St Albans
Buying your first home is an exciting experience, but there is a lot to think about. I make the home loan application process as smooth and easy as possible, so you can concentrate on finding the right home. As part of my service, I will help you to understand the types of home loans available to you and will assist you in choosing the right one for your situation. If you are eligible for the First Home Owners Grant or any state government first home buyer assistance, I will help you fill in the paperwork.
Home Loan Pre-approval
Home loan pre-approval is a great way to ensure you know how much you can afford to pay for a property before you even start looking. A written pre-approval can also give you an advantage when negotiating on a property with a vendor, as opposed to someone who has no pre-approval or finance in place. Home loan pre-approval is generally valid for about three months, and you will still need a satisfactory valuation on the property you intend to purchase before your pre-approval can progress to a full loan approval.
Property Investment Loans in St Albans
Property investment can be a smart wealth creation strategy, if you get it right. And that doesn't just mean finding the right property - you need the right investment finance as well. Your investment loan package should be tailored to your investment strategy and goals. I work closely with your financial planner and accountant to make that happen. Whether you are an experienced property investor with a big portfolio, or just starting out with your first property, I can help you get the right investment loan for your circumstances.
Refinancing your mortgage is something that takes careful consideration. The most important thing to look at is if refinancing will place you in a better position than you would be if you stuck with your current loan. I can go through the sums with you to show you the costs involved in changing home loans, as well as your projected costs over a set timeframe for both your current and proposed home loans. And if you decide that refinancing is the right move for you, I will help you complete all the necessary paperwork to make the change.
Thank you Hannah for your support and great service in regards to my loan. You were such a pleasure to do business with. Your professionalism and patience was very much appreciated by me. I don't think I would have achieved this far, without your continued support and guidance.
I will most definitely refer you to my friends and family.
I will invite you over for a visit and cuppa when my house is renovated. How exciting! Thanks again.
Jacqui, Refinancer, Hillside, Vic
Debt Consolidation in St Albans
Debt consolidation can be a handy solution when you are struggling with repayments on several debts, such as your home loan, credit cards and personal loans. Debt consolidation works by combining all those debts into your home loan, which is generally the debt with the lowest interest rate. Because the interest rate is lower, and the loan term is usually longer, your monthly repayments will drop, giving you a bit of breathing space.
I could not imagine how my life would be without meeting Hannah Nguyen last Christmas. I have 2 credit cards reaching maximum limit, a business loan, a personal loan and an ATO debt outstanding to pay off, we tried to live day by day and never had a good night sleep. Hannah was able to find a new lender to consolidate all our debts and save us $4,000 in repayments every month. She is extremely knowledgeable and is a great problem solver. Thanks Hannah and we will never forget you who save our family.
Rebecca and John, Deer Park VIC
Business Loans Commercial Loans
Good business finance is invaluable when purchasing and growing your business. Business and commercial loan options vary depending on whether you are a start-up or existing business. Whether you are buying commercial property, undertaking property development, expanding your business or need some cash-flow funding, assistance from an expert commercial finance broker will be invaluable.
Low Doc Loans for Self-Employed Borrowers in St Albans
Many self-employed borrowers need a loan that isn't quite standard, mostly because they don't have the full financial history required to get a regular loan. Low documentation, or low doc, loans fulfil the needs of many self-employed borrowers. You'll still need some financial history and paperwork - often about 12 months BAS statements and an ABN that has been active for at least 6-12 months.
Upgraders / New Property Buyers - Bridging Loans
Financing the move from one property to another can be quite stressful, especially if you are yet to sell your home - a bridging loan can help free up the funds that are tied up in your current property to purchase the next one. With a bridging loan, your lender will use both your current and new property as security and lend you enough to buy your new home.
While you are waiting for the sale and purchase process to be completed on both your current and new property, you make interest only repayments on the loan, or maybe even no repayments at all (referred to as capitalising the interest). Once you have sold your old home, the proceeds go towards paying off your bridging loan. The amount left over (known as the end debt) is then transferred to a standard home loan, becoming the home loan on your new property.
I would like to express my appreciation to Hannah Nguyen. Hannah met with me and my mother to help us with our loan. She is extremely professional and very helpful. Any questions I had she answered swiftly. She even helped us organize our Deposit Bond. Nothing seems to be too much for Hannah.
Thank you Hannah. Mum and I appreciate all your help.
Erika,Caroline Springs Vic
Master of Commerce
- State: Victoria, VIC
- Broker region: Melbourne West
- Suburbs: St Albans, Deer Park, Caroline Springs, Sunshine
- Hannah Nguyen provides mortgage broking services in suburbs including but not limited to: St Albans, Deer Park, Caroline Springs, Hillside, Taylors Lakes, Taylors Hill, Sydenham, Burnside, Cairnlea, Sunshine