Looking to enter the property market and buy your very first home? For most people buying their first home is the biggest purchase decision they’ll have made in their lives. So rightfully, you should do it with care and consideration. One of the first questions you’ll have is working out how much you can afford. Let us help you work out how much you can borrow so that you know your purchase price range. It will help you narrow down your search and save you loads of time and energy. And for extra piece-of-mind we can also help you obtain a fully-assessed pre-approval so you can buy with confidence.

If you’re looking for your next home purchase, be it an upgrade or looking to downsize, we can partner with you to support a smooth transition. Whether you’re buying and selling or buying and converting the existing home into an investment; understanding and proactively managing the opportunities and considerations could save you time, effort, and money.

Buying an investment property can present challenges. On one hand you want to approach the decision on a business or investment level, but because it’s a property you’ll also have an emotional tug that can cloud your judgements. We can support your investment analysis by modelling out your financing inputs on the range of scenarios you are considering. Understanding the fully loaded cost of borrowing can help you make the most optimal investment decision.

Sometimes the same property can turn out to be a good or a bad investment depending on the lending products you choose and how you setup your financing. If you’d like us to work with your accountant / solicitor so that you have the complete picture before pushing the button, we can do that too.

If you’ve not looked at your mortgage in a while, chances are you’re paying more interest than you need to. We can help you compare a number of different lenders and get you a better interest rate, meaning more of your hard earned money back in your pocket and less of it being siphoned away by the lender. It’ll also help you pay off your home-loan faster.

If you’re feeling stressed out by the size of the bite your mortgage repayment is taking out of your pay-cheque, let us help you! There are number of levers we can pull to help you relieve the pressure. Sometimes this maybe a temporary thing, like if you’re planning to have a family or be out of work temporarily. Or at other times it might be part of the strategy that you and your investment advisor have put together to better utilise those funds elsewhere. Our skills and expertise can cater to simply reducing your repayment right through to supporting your investment advisor with ways to restructure your debt portfolio.

You’re already on the property ladder and if you’re thinking equity release… Hooray! This means you’ve managed to build a little wealth in your home or investment.

Are you in need of some cash to do some renovations around the house? Or perhaps you want to double down and use the equity in your home to purchase a share portfolio. How about a new car - nothing beats the new car smell. Or why not take that holiday you’ve always dreamt of and been putting off for a while? Utilising the equity in your home is often the cheapest form of financing you can get to undertake some of the activities outlined above. Some credit cards can cost you a much as 20%, while personal loans are can cost about 10% and lending on shares well that can range between 8% to 10% too. Whatever your reason, we can help you unlock the equity in your property!