Home loans
Getting a mortgage or a home loan can be one of the biggest decisions you will ever make, so take time and get all the relevant information from one of our professional mortgage consultants at LCD homeloans
As you can see (to the right) there are many different types of loans available, just as there are a large number of lenders to choose from and their various types of loans. This can be overwhelming at first but we can make this process simpler for you using our laptop technology.
Investment Loans
It is important when purchasing anything for investment that the loan structure is correct to enable you to maximise your potential tax benefits. LCD homeloans can advise what loan would suit and with confirmation from your Accountant develop a package which will best suit your needs.
Purchasing any type of investment should be thought through carefully as there are several reasons why people head into the investment world, this could be for a capital return or to earn an income, each requires different evaluation before making any decision.
First Home Buyers
This is your first home and there is much to think about, from what to offer, who to use, can we borrow money, which lender is the better one to choose, what loan suits you best, what is settlement, who does what and when?
LCD homeloans provides a comprehensive service which can eliminate many of these concerns, we work with you through the whole process, advising you at each stage what needs to be done and what is happening. We have access to settlement agents, insurances, building inspectors, pest control services, which means everything can be organised for you without any hassles, we even lodge your First Home Buyers Grants with the lender you have chosen.
Purchasing your first home can be very stressful, the anticipation of home ownership is exciting, let us help you through one of the most exciting times of your life - your first home.
"Being first home buyers it was very daunting entering the property market. LCD made this process so much easier, by explaining everything so well and in 'layman' terms. We found LCD's service to be professional yet a friendly and personalised service, we felt comfortable and were reassured knowing help was only a phone call or email away; this made buying a home for the first time so much easier. They also had remarkable speed in getting our loan and pre approval sorted in a speedy manner, which was extremely important when we found our home. Nola's efforts to bend over backwards to help or answer any questions along the way is much appreciated, thank you Nola. I would strongly recommend Nola and her team to any first home buyers in the market as her service is not just a 'one off' thing, as their continual efforts in securing you the best mortgage for each situation gives you the peace of mind knowing that someone with extensive knowledge and experience in the market will also be able to provide you with ongoing support throughout the life of your mortgage. Thanks for all your help Nola & LCD homeloans."
Emma & Luke.
Equity Shared Loans
Keystart Loans currently offers Equity Shared Loans for First Home Buyers. LCD homeloans is accredited to assist clients with these applications and it is highly recommended that before purchasing a home you discuss your needs as Pre-Approval may be required. Keystart offers up to 40% equity share (terms and conditions apply). Maximum purchase price is $375,000.
EFM (Equity Finance Mortgage) loans are managed by a couple of lenders in Australia, these loans primarily suite a couple who currently owns a home and has at least 15% equity in their current home or will have in the home they are purchasing, EFM may contribute up to 20% of the purchase price with no repayments required on this portion of the loan until you either sell your home, or you wish to refinance in later years, this will reduce your loan repayments and may be of great assistance during the children years, or if wish to upgrade your current home.
LCD homeloans can advise you on which loan would suit your needs.
Did you know that home loans can be used for many different uses?
- Home purchases
- Home renovations - adding on rooms or an additional storey
- Home improvements - new flooring, window treatments, air conditioning, pools, landscape gardening
- Construction Loans
- Low Doc Loans - self employed who do not have current financials
- Non Conforming Loans - credit impaired, overdue/unpaid bills, Bankrupt, Part X or Court Writs
- Holidays
- Vehicle purchase
- Investment - rental properties
- Investment - property development
- Investment - share portfolio
- Investment - Managed Funds
- Investment - commercial properties
- Investment - business purchase
- Reverse Mortgages - lifestyle living, additional income
