• Investment properties – Through our association with licenced real estate agents , property developers and property marketing companies we offer the opportunity to inspect properties before they hit the market, thus you have the chance to put the initial bids and get a good deal. There are many clients on our books who want to sell their investments or homes and these are great opportunities to negotiate a good deal in a private purchase transaction. Both parties benefit as the seller doesn’t have to pay commission to the real estate agent and the buyer can get a better discount

• Currently we have several investment properties located in Queensland-Cairns and sunshine coast .

• Property Conveyancing – We are associated with the reputed law firm ‘Baldock, Stacy and Niven who can handle all property related conveyancing matters including title searches, building and pest inspections etc. Since they are located in the same premises it becomes very convenient for clients to visit both parties at the same time.

• Deposit Bonds – Instead of paying a cash deposit for purchase of property it is convenient to pay the 10% holding deposit for property purchase via deposit bonds. This is particularly useful for extended settlement periods and off the plan purchases. We can arrange deposit bonds from various sources for property settlement duration from 6 months to 5 years.

• Buyers Agent – In New South Wales majority of the real estate agents act on behalf of the seller and try to negotiate the highest possible price for their clients. Unfortunately most purchasers are not strong negotiators and don’t understand the language of the real estate industry . This puts them in a weaker position while negotiating with the highly skilled real estate agent. Buyers agents act on behalf of the buyer and can undertake services from finding and inspecting the right property to negotiating a good price for the buyer. We offer access to highly experienced agents for our clients.

• Valuation Services – A professional valuation by an authorized valuer can be extremely useful for a novice buyer for price negotiation. We offer to arrange a professional valuation done with a detailed report for your existing property or the property which you intend to purchase.

• Quantity surveyor reports – Are necessary to understand the amount of depreciation which can be claimed from your investment property. The accuracy of these reports are critical and we recommend some of the best quantity surveyors for this purpose.

• Negative gearing calculations -Understanding the right amount of tax which can be claimed from the tax office of investment properties is crucial before making a decision on investment property purchase. Our financial planners and tax agents can offer professional reports on negative gearing for investors when purchasing investment properties or for tax planning.

• Australia has one of the most competitive home loan markets in the world and that has encouraged lenders to develop products that are better than their competitors’ by fine degrees in very specific customer situations. The result is a huge range, with individual products best suited to increasingly specific groups of customers.
• When you throw in banking jargon and benefits phrased in different ways, it becomes impossible for most people to decipher what’s ideal for them, whereas the broker is trained and qualified to know what’s available, week by week, and why any one product work better for whom. The broker makes sense of the tangle.
• As lending institutions become more specialised and automated, mortgage customers are seeking the personal attention and advice of brokers. If certain customers are precluded by guidelines from one product, the broker will find them a better one for which they qualify. If refinancing has been too hard, there’s now a simple fast track. The broker is in the customer’s corner.
• Clients do not pay for broker services. Financial institutions pay brokers instead of carrying the fixed costs of marginal or loss-making retail presence. This gives the lender better bottom-line control, the broker a constructive livelihood, and customers the service and independent advice they’re seeking without penalty. All three groups gain value

Borrowing Capacity Calculation:
There are many calculators on the website which give a general idea on borrowing capacities however we advise you to consult us as borrowing capacity varies between lenders and product. For example for a couple with 2 children earning $ 50000 and $ 60000 gross income and credit card limit of $ 5000 the borrowing capacity will range from $ 416000 to 961000 depending on the lender and product. Lenders policies keep on changing regularly however we update our real time software to reflect these changes and can advise you accurately.
Of course borrowing capacity would also depend on what percentage of the loan to value (of your property). Certain lenders would allow you to borrow upto 106 % of the value of the purchased property however in most cases lenders can go up to 95% of the value of your property. Rules can change depending whether you are purchasing or refinancing ! Thus it always helps to talk to us to ascertain your borrowing capacity of your situation.
Loan Structuring:
The cheapest interest rate may not necessarily be the best one for your needs hence a well structured loan would save you costs in the long run. There are various ways in which loans can be structured to suit individual needs. For example if you goal is to reduce your mortgage faster at the same time reduce the risk of interest rate increase then we can offer a ‘ Reducible fixed rate loan’ where principal reductions can be made with any extra repayments in the fixed term. Another example is if you are a small business owner with equity in your property ,we can structure a line of credit along with your home loan to extract the equity in your property which can be used for your business working capital or investments.
Pre-approval to settlement:
We strongly recommend a pre-approval prior to putting down a holding deposit on a property .A thorough pre-approval backed up with sound documentation can ensure that the loan will not be rejected by the lenders mortgage insurers at the time of property purchase . This can save enormous time and stress . Another advantage is that a pre-approval letter can be used as a tool for negotiating a good price from the real estate agent. Several property transactions fail due to the loan being rejected which consumes a lot of time and effort of the real estate agent. Thus a pre-approval gives the real estate agent that the transaction will not fail as the finance is pre-approved.

Zero Cost refinancing:
For large loans over $800000 we can offer to subsidise the cost of switching from one lender to another to save on interest rates. This would depend on case to case and you can consult us for the latest offers.
- Borrowing capacity calculation- Loan structuring- Pre-approval to Settlement- Zero cost refinancing- Investment properties, Negative gearing- Valuation services- Buyers agent Deposit bonds-Quantity surveyorsLegal and conveyancing services , Building and pest inspection – Property reports

1. Latest 2 pay slips with last year group certificate
2. Bank statement showing deposit
3. Copy of passport or birth certificate
4. Copy of drivers licence
5. 6 months statements of existing home loan (Only for refinances)
6. 3 months statements of credit cards, personal loans and car loans
7. Council rates notice (only for refinances)
If you are borrowing > 80 % we may require additional documents as follows
Last 6 months statements of your bank account

For Self Employed borrowers

For full doc loans we need the following:

1. Last 2 years full financials which include full tax returns and ATO assessment notices for sole traders
2. For companies, last 2 years financials including balance sheets, profit and loss and ATO assessment notices.

PLUS all other documents as above for PAYG borrowers
For low doc loans we don’t need the above income verification documents

Refinancing to a lower interest rate :
“ I had been put onto a high interest rate product by another broker and after the rate increases was paying an interest rate of 10.5% per annum on my $ 500000 mortgage. I tried to refinance into a lower rate however property valuation can substantially lower than my original purchase price and hence was not able to do that. After a brief discussion with Hiten we came up with a solution which could work and gave it a try. The loan structure was unique in the sense that not only my interest rate was reduced to 6.81% but I did not have to worry about lower valuation and could borrow the entire amount of $ 500000. I now save approximately $ 1500 per month in interest expenses alone.”

Mr. K .P, Seven Hills, NSW

Debt Consolidation :
” We had four credit cards with around $ 20000 in debt at an interest rate of $ 15 % per annum. We also wanted to buy the second car for our teenage son and had got a personal loan approved. We met Hiten during our property purchase at Seven Hills, when he suggested a loan structure where we would be able to consolidate our credit cards and the personal loan for the car and have lower repayments per month. However we would keep our monthly repayments the same as if we had the credit card and personal loans. As a result of this structure we are potentially saving thousands of dollars in interest alone and would like to than Hiten for his advice. ”

Mr. S J & Mrs. S. J ,Seven Hills, NSW