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The vast variety of loan options available in the market today can often get confusing for someone who is just trying to look for a loan that suits their particular needs. Most clients know what they want, what features they are after, it is simply too confusing and overwhelming to sit down and compare the options available. The team at Greater Impact can assist you in finding the right residential loan for your needs. Generally most of our clients fall into one of the following five categories, so we have provided you with some information to help you set your focus before you speak to one of our professional and friendly consultants. Use this table to help identify the many options available to you. Loan Selector (choose from one of the following options)
Buying or Changing my Home
When buying a home you need to look at the options and the flexibility that your loan will require before you look into other items like fees and interest rates. Depending on your circumstances, you may like to look into the following loan options:
Contact Us today to organise a FREE consultation.
Refinancing an Existing Loan
Generally, clients looking to refinance their existing loans, are doing so because they either want to change their lender, find a more competitive interest rate option, or they require a loan with more or less flexibility than their current loan. Depending on your circumstances, you may like to look into the following loan options:
Contact Us today to organise a FREE consultation.
First Home Buyer
When purchasing your first home, you may want to look at a simple home loan option without all the confusing features to start with, or you may know exactly what features you may need to assist you in reaching your future goals. By taking advantage of the government First Home Owners Grant and quality Introductory loans you can find a loan that will make the transition from renting to buying an easier and more manageable process. Depending on your circumstances, you may like to look into the following loan options:
Contact Us today to organise a FREE consultation.
Seniors/Equity Loans
If you find yourself in the years close to retirement, many lenders are now offering clients the opportunity to access the equity which has built up in their home to use as a cash resource. Whether you need to supplement a pension, extra cash for lifestyle choices or want to invest in other asset building ventures, you may be able to access the value in your home without having to make repayments. Depending on your circumstances, you may like to look into the following loan options:
Contact Us today to organise a FREE consultation.
Building/Renovating my home
If you are building a new home or thinking of renovating your existing home you will need a Construction loan. The loan is drawn in stages, as the builder completes each stage the payment is made. The lender uses an independent valuer to monitor the construction process. Most lenders only require interest only payments during the construction process. On completion of the construction the loan may need to be changed to another product such as Fixed Interest or Variable.
Contact Us today to organise a FREE consultation.
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