Mortgages and home loans
Aspire Brokers offer you independent, expert mortgage advise based on your financial circumstances, lifestyle and property goals.
We keep up to date with the most competitive deals and will present the options to you based on what is the best fit for your financing requirements.
We will also be able to guide you through completing the paperwork to get the loan application process under way.
Check out our mortgage calculators to see how much you can afford to borrow, and how to save thousands by paying a little bit extra.
We can also help with your insurance needs!.
First home buyers
Fixed rate or floating rate? Combination or interest only?
Buying your first home is exciting but it can also be daunting.
There is a lot to think about:
- how much will they lend me?
- how much can I afford to pay?
- how should I structure the loan?
- who is offering the best deal?
- what does the application process involve?
- how much deposit do I need?
- how can I pay the least interest ?
Buying a home will be one of the biggest financial decisions you will make. Mistakes can be costly but we make sure you get the right loan for you that will allow you to pay it off as quickly as possible which can save you thousands!.
We'll talk you through the different loan structures, how much deposit you will need and how much you are likely to be able to borrow.
Make an appointment to talk to us today!
Investment property finance
Being keen property investor's, we are highly knowledgeable in helping clients structure their borrowings to maximise returns.
This may allow you to purchase more investment properties in the future or pay off your mortgage faster than you had envisaged, without making any cut backs in your spending.
Remember it's not just how much interest you are paying but how fast you pay off the loan that will save you thousands.
We can also make sure you have the right business structure and are maximising your tax deductions.
Contact us to find out how to get more out of your property investments.
Home loans for the self employed
Obtaining finance if you are self employed has unique challenges. It can be a difficult process. You need to provide evidence of income such as financial accounts or tax returns for the last two years.
This is an area we specialise in.
We can help you with the loan application process and find a mortgage to suit your cash flow.
You can be confident that we will find you the best deal available.
Low doc mortgages
If you are self employed, work part-time or have seasonal work, this might be the loan for you.
It might also be an option if you have no credit history or are new to the country.
Also known as "No Doc" loans, these are for people who have trouble providing the usual income verification documents such as pay slips or account statements.
We can help you with your No Doc loans - contact us today.
Refinancing your home loan
If you are about to review your home loan, you can save money by switching to a different lender or loan structure.
If your financial circumstances have changed, talk to us about refinancing and save yourself from the worry of losing your home.
We will look at the overall structure of your mortgage(s) and give you some advice on what you can do to save money or pay the loan off quicker.
Lately people have been caught out when they go to pay off their mortgage early.
When we talk to you, we'll discuss things like whether its even worth breaking your existing loan and what to check before you sell that investment property.
