We'll help you secure the finance you need to achieve your goals
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We'll help you find the best deal from 50+ banks and lenders
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We'll make the home loan application process easier for you
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Adobi is Latin for "I applied!" Our expert personal service will make your home loan application easier!
We help you quickly determine your borrowing capacity and compare options from over fifty lenders. We will recommend a selection of lending products that are suitable for your needs and help you gather the documents needed to complete your application. We lodge your application Once your application is lodged, we will keep you fully informed of its progress and help you answer any questions and provide any further information needed. Once your loan is approved, we will still be there to support you right through the settlement or refinancing process. We translate bank and lender jargon Banks and lenders have their own language of abbreviations and acronyms which can be very confusing for people trying to get a mortgage. We make sure all our communications to you are jargon-free, that we properly explain everything to you and answer all your questions. We also provide a selection of Guides. Cash-Back offers Some banks and lenders are currently offering cash incentives to attract your business, others just offer a low introductory rate This is constantly changing but we guide you to the best overall offer for you, before you make a bank or lender selection, by showing you a calculation of what each offer will cost you over time. Refinancing with Cash Out Refinancing your home loan can be an opportunity to consolidate other loans or credit cards you have, or take out extra cash to fund a new property investment, home renovation, holiday or new car, boat or caravan. We can help you apply to lenders that will allow this and calculate your borrowing capacity. Offset account and redraws An offset account can allow you to use your income and savings to reduce the amount of interest you pay on your mortgage. Usually loans with the lowest interest rates are basic products that do not offer offset accounts and this is an example of why the cheapest rate may not always be the best deal for for you. Redraw accounts allow you to overpay and redraw the overpayment later but are generally less flexible for day to day use than an offset account. More information in our Guides. Variable and fixed rates In taking out a new mortgage you will have to choose between fixed and variable interest rates, or a mixture of both. We don't have a crystal ball that allows us to predict the future, but we can guide you as to the implications of choosing different lending products. More information in our Guides. |
Investment property loans
We love to help people get ahead by investing in real estate. If it is your first or your tenth rental property, we can guide you to lending products that support your investment strategy. We can also help finance property investments for your self-managed super fund (SMSF). Looking for commercial finance? If you are looking to buy commercial property talk to us about commercial mortgage products. For example 30 year "set and forget" loans without the need for annual reviews by a commercial banker, and "lease doc" products where the lender does not consider the investor's other income, but simply considers the rental income. Do you have casual, part-time or bonus income? Being a part-time or casual worker, or receiving some of your income in the form of a bonus can make it harder to obtain a mortgage, but we can guide you to lenders that do accept these forms of income. Are you self-employed or running a business? Self-employed people have a range of options depending on their income, how long they have been in business and the financial documentation they have available. Personal mortgages for self-employed people can be full doc, low doc and alt doc and we can also assist with business lending. Is your credit not perfect? We have a number of lenders that specialise in lending to people with imperfect credit. We are happy to guide you on the options available. Refinancing for a better deal with us If your fixed rate mortgage is coming to an end, we advise you what rates are available from other lenders. If you decide to switch, we will help make your refinancing process as easy as possible, because getting a home loan shouldn't be so hard. Need to ask a question? Book a Meeting to talk to an expert mortgage broker, email [email protected] or call 1300 080 318 |
