We compare the rates & benefits from over 40 lenders to get the ideal loan to suit your needs.
We love doing all sorts of lending and helping all sorts of people.
With experience in all types of lending we can help First Home Buyers, Investment property purchasing, refinancing, small business owners, big business owners, self employed people looking for asset finance and those looking to get in control of their own super and start or expand in their Self managed Super Fund.
First Home Buyers
It’s a journey… It’s never too early to start setting savings and budgeting goals and working out where you are now and where you need to be in order to realise that dream of a first home.
We know full well there is so much to consider and learn when purchasing for the first time and knowing what State and Federal Government Initiatives there are and how that can help you. We are across all of that and more.
We will be with you for every step of the process and you will always hear us say… ‘the only silly question is that one you never asked.”
Ask us that Silly question today.
Refinancing
Refinancing can mean many different things, maybe you want to stay with your existing lender, however you need some extra cash to renovate or do some debt consolidation. Or maybe you are reviewing your current lender and wanting to get a more competitive rate and a set up which works better for you.
Refinancing is a great way to ensure your home loan is working for you. On Point Home Loans can undertake a home loan health check to understand whether you should look for a different lender that better suits your needs.
Increasing your loan and accessing equity to upgrade your home is a great way to increase your property value. You certainly do deserve that new kitchen!
Debt Consolidation can assist in getting your cashflow in check. We all go through times in our lives where we need to pay an emergency cost, or clear credit cards, or have a shortfall to pay for a holiday so we had to borrow money instead. We can get you back on track by freeing up your cash flow and taking the financial stress away from day to day living costs.
Some Banks offer cash backs to encourage new business and we will always try and get you one when refinancing. That Cashback will assist with the costs to change lenders and then the rest is yours to put back onto your loan
Investment Purchase
We love nothing more than helping a client to expand their property portfolio. Whether you are purchasing your first investment property or working on a way to get from 3 properties to 10, it’s a plan we can help you on.
Let’s work out what equity or cash you need and where your income needs to be in order for that to happen.
We can also work with you and your accountant or Financial Planner to make the process easier and make sure you are getting all the right advice and that everyone is working in your best interests.
Asset Finance & Business Lending
Throughout Australia there are small business that are established and need assistance with growing their businesses through cash flow solutions or expanding their fleet to accommodate their new apprentice.
New Staters also have finance needs and there are lenders that we have access to that are willing to back you!!
SMSF (Self Managed Super Fund)
Whether to set up a SMSF or not is the million dollar question… ?
This is definitely a question that should start with your accountant. If your accountant gives you the green light we are your next step. We can also recommend several SMSF specialist accountants, just ask us and we can point you in the right direction.
You may have heard that no one lends to SMSF anymore however that is not true. Whilst a lot of the big banks have withdrawn from this space there are still a handful of lenders that are open for business and willing to lend to you.
Whether it is a residential property or commercial there is a lender for you. On Point Home Loans can narrow these lenders down for you and get you growing your SMSF today.
On Point Home Loans Process
We take extra time up front to go through your full situation and provide a complete lending solution.
Our brokers will look at your needs now and into the future, to make sure you have the best possible loan that looks after all of your needs.
A mortgage broker acts on your behalf to arrange a home loan through a bank or lender. Australian banks and lenders have different policies and loan requirements, and it is a brokers job to find a loan from one of these parties that fit with your individual situation.
How much does it cost to use a broker?
Our services are completely free for all home and investment loans. We get paid by the lenders for doing the work, collating your loan application and meeting with you. This work would otherwise be done by a bank manager or branch lender so you get access to the same rates as if you went to the lender directly.
The advantage for you is that unlike when dealing with one bank, we can help you work with a wider variety of lenders and get the best options that work for you choosing from our panel of over 40 banks and lenders!