Self – employed

Not all people seeking a home loan will fall into the typical category or mould that applies to the standard home loan. You may be self-employed and have a more complex financial situation, with business and personal finances linked together. You may have a poor credit history or be unable to provide the necessary documentation to support your application. Perhaps you need to borrow more than 100% of the property value. Either way we can help assist you to achieve the home you desire. What is the Right Home Loan?

What is the Right Home Loan?

With so many different loan products on the market, finding a home loan is not as simple as it used to be. There is a range of options available to you that may save you money, provide you with greater flexibility and peace of mind. Our consultants use their expertise and experience in the home loan market coupled with a unique computer software program that enables them to compare hundreds of loans in a matter of minutes. Our consultants will then be able to provide you with a short list of loans that are both competitive and suitable – simplifying the loan selection process.

First Home Owners Grant – FHOG

The Federal Government introduced the FHOG in 2000 to assist First Home Buyers meet the cost of buying or building their first homes. When introduced it was a non means-tested grant of $7,000. However the Rudd Government recently introduced a FHOG "Boost" as part of the package to "stimulate housing activity and give first homebuyers a better chance in the housing market". Effective immediately, first homebuyers purchasing established homes will be entitled to a $14,000 FHOG (up from the previous amount of $7,000). For those who purchase a newly-constructed home an additional $14,000 will be available, taking their total grant to $21,000. FHOG “Boost” was reviewed in the recent Federal Budget and will be available in full until 30 September 2009 and at a reduced rate until 31 December 2009 In some states additional bonuses may be available. Please give us a call to discuss your opportunities and for assistance in accessing the FHOG.