HOME LOANS
HOME LOAN EXPERTS IN NSW
MORTGAGE BROKER
At Finn Financial Services, we love finding the best home loan opportunity for your needs. Regardless of whether you’re buying a new home or refinancing your current property, we work closely with a wide network of lenders to identify which loan option will suit your financial situation.
NEW HOME PURCHASE
Whether you’re a first-home buyer or an investor, we take the time to learn more about your current lifestyle, expenses and any costs involved after purchasing a home. This enables us to determine your affordability and guide your decisions.
We consider important factors such as your ability to make repayments after your loan settles. We help compare home loan features and choose an option that aligns with your changing circumstances.
Our financial experts determine what sort of deposit you need, provide advice and put your loan into writing.
DEBT CONSOLIDATION
Combine existing debts into a single debt to increase your serviceability rate. Prior to applying for a loan, we ask our clients to specify their financial standing to customise a strategy that suits their needs.
Our mortgage brokers consolidate a number of debts to make it easier to manage and prepare you for your next home purchase. For repeat home buyers, we usually request past repayments.
Debt consolidation also gives you the advantage of paying reduced interest rates.
EQUITY ACCESS
At Finn Financial Services, we have diverse market knowledge and experience in equity loans. We can help determine the equity value of your property and use the amount incurred for any worthwhile purpose.
Accessing equity is often done by individuals or business owners wanting to invest in or renovate a property.
REFINANCING
Refinancing an existing home loan helps you get better interest rates. Our team usually recommends this process to clients who have experienced changes in their financial situation.
We endeavour to provide you with a better deal to manage your cash flow while paying off debts.
TALK TO US TODAY
We will be with you from loan applications and pre-approvals to finalising loan settlements. We go above and beyond to provide you with the best deal and get your loan approved.
At Finn Financial Services, we schedule preliminary assessments and online meetings to accommodate your needs. What’s more, we don’t charge our clients an upfront fee. We provide free consultations before we go ahead with any deals and see if you’re happy to go forward.
FREQUENTLY ASKED QUESTIONS
HOW MUCH DO BROKERS COST?
At Finn Financial Services, there are no costs associated with residential lending. Commercial lending and asset finance may result in an upfront fee.
WHICH LENDER IS RIGHT FOR ME?
Lenders have different policies relating to loan products. Brokers will shortlist lenders that have policies that suit your current situation.
WHAT IS THE VALUE OF MY PROPERTY?
Brokers can assist with getting information regarding the value of your property. Valuations can determine the equity available.
SHOULD I SPEAK TO A FINANCE COMPANY BEFORE TAKING A LOAN?
Yes. Speaking to a broker doesn’t affect your credit score. Let the broker guide you to reduce time wasted with unsuitable loan products.
WHAT IS LENDERS’ MORTGAGE INSURANCE?
Lenders’ mortgage insurance is often incurred on loans when the loan to value ratio is more than 80%. The value is considered the purchase price or contract of sale of the property at hand. See if you're applicable to avoid lenders’ mortgage insurance.
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