Property Buying All In One Package
What the flapdoodle is the all-in-one-package?
Conveyancing and Finance combined in the one simple package.
Here’s how it works. Banks pay mortgage brokers big fat upfront commissions for selling bank’s mortgage products plus an ongoing trailing commission for the life of the loan.
If you use our recommended mortgage broker, Intuitive Finance, part of the upfront commission they receive is rebated back to you by way of lower legal fees. Our current special promotional offer is your legal fees on a purchase will be zero. Yes, you will still have to pay out of pocket expenses / disbursements. And on occasion there will be some legal fees for addtional work such as nominations, extensions, defaults or complex legal advice.
Bit like a combo. You will get the best ever conveyancing service plus the best ever mortgage advice and service. Andrew and his team take the stress out of choosing the loan, writing the loan and settling the loan. It couldn’t be easier.
Here’s a test. Just try and fill out an online mortgage application with any bank. Then call us and we’ll put you in touch with Andrew. Good luck.
Whether you are buying your home or an investment property you need to set a limit on what you can comfortably afford to pay. The two major factors which determine your borrowing capacity are set by your equity and your income as well as your current debt and credit card commitments.
The variables that determine the maximum you can afford to bid or pay on your home or investment property are:
- How much you can borrow? This is primarily determined by your income and your current debt and credit card commitments.
- Your savings or equity or cash on deposit that you have.
- Government fees and transaction costs – refer calculator
- A budget for any renovation costs you intend to spend.
- For an investment property you also take into account the rent you expect to receive.
Where you know how much you want to borrow and how much you expect to pay for your property – click here
The second calculator works out how much you can borrow based on your estimate of how much you can afford to pay each month for you loan repayment – click here
To properly assess your borrowing capacity a personal consultation is preferable, otherwise complete the application.
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