Mortgages and Lending
The marketplace has an overwhelming amount of mortgage options available, and our team of mortgage experts are well equipped with access to all the available products & services, to help create a better outcome for your mortgage options. From debt consolidation, refinancing options, car lending alternatives with seamless navigation of all your lending needs.
There is no ‘one size fits all’ home loan. But there is the ‘right one’ for you. Check out our massive array of services & get in touch with our outstanding team of Mortgage navigators! Our Mortgage team work very closely with our Property Team … offering the whole package to our clients.
Buying your first home
Announcer Mortgages specialise in guiding first home buyers through their first home purchase.
We know and understand you, and your needs as a First Home Buyer. Our whole business has been designed around making it easy for first home buyers to learn and understand the processes involved in buying your first home.
We help you with our thorough advice and information so you can ensure your first home loan experience is a truly rewarding one.
First Home Owner Grant
Just like a welcome house warming gift, the First Home Owner Grant (FHOG) can come in handy right when you need it most. The grant was set up by the Australian Government to help people like you buy their first home. What does this mean for you? If you’re buying a new or existing home and you qualify for the grant, you’ll receive a payment of $7,000.
Ready to buy? We’ll help you complete the paperwork and lodge your First Home Owner Grant application. That’s one less thing for you to think about when applying for a home loan.
For more information about government grants, visit www.firsthome.gov.au and select your State or Territory.
Property Investment Loans
Whether you need a property investment mortgage or property investment advice, we can help. We know how to maximize your borrowing capacity and package your investment loans for the greatest benefit.
You may choose to buy an investment property for many reasons – for instance, to have a regular and steady income stream or to take advantage of the associated tax benefits. Property investments is a sound way to secure your financial future. Loans for property investors are different to standard home loans.
Our lending consultants at Announcer Mortgages have years of experience in writing investment mortgages and can offer property investors highly competitive mortgage rates.
Property Investment Loans
We are also familiar with a number of mainstream and niche investment strategies, including:
• Negative, Neutral and Positive Gearing
• Unlocking Equity in your Home or other properties
• Buy & Hold (for rent return or capital growth)
• Renovate for instant growth
• Flips (buy low and sell quickly for a profit)
• Lease/Option (provide tenant with high rent lease and option to purchase)
• Wraps (act as quasi-lender and finance your purchaser through an installment contract)
We have a choice of Home Loans to suit property investment, whether you need interest only repayments, or you’re a professional investor and want a correctly structured professional package.
Investing in property requires extensive research in order to determine the property most suited to your objectives and to reflect your financial goals and income. If negative gearing is a consideration, we can arrange an advice from our financial planners or accountants.
If your circumstances have changed or you think you can save money by shopping for a better deal it may be time to take a closer look at your home loan.
Refinancing home loans can be varied – you may want a fixed rate home loan or the best interest rate. If you are moving home, our combined home loan and conveyancing service is for you. Refinance loan, home loan borrowing, legal conveyance – whatever you need, we can help.
Does your home or investment
loan need a health check?
The loan that suited you once might not be working hard enough or flexible enough for you today.
In the process, we almost always save our clients money on each refinance as well – and the benefits can often be huge! Contact us to find out more if you think your home or investment loan needs a health check.
There are multiple reasons as to why you may look to refinance your loan, e.g.
• Mortgage markets have changed
• Interest rates have gone up or down
• Your personal circumstances have changed
• You want to borrow a little more
• You want to buy and investment
Refinance your home loan and whip your mortgage into shape.
As your business grows and opportunities arise, Announcer Mortgages can deliver the right finance solutions, rather than simply handing you an off-the-shelf package.
Whether you’re looking to restructure or expand your business, overhaul the way you manage your cash flow or you simply need a hand managing your debtors, our personalized service is available to make your life easier and add genuine value to your business.
Please contact us to discuss your business lending needs.
Business Lending Products
The lending products we can provide are summarised below:
» Business Overdraft
» Cashflow Finance
» Business Loans – fixed or variable.
» Construction Loans
» Commercial Property loans
» Vehicle/Equipment Finance
» Trade Finance