FIRST HOME BUYER
The Three Steps of Buying your home:
Planning
Things you will need to consider, and prepare for as you start on your journey to buying a home.
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How much do you really need for a deposit?
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How do I save for that deposit?
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How do I get the First Home Owner Grant (FHOG)
Finding
Learn what you need to organize when you want to buy and how to estimate properties prices.
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Understanding Approvals
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Different ways of buying a House
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How to understand a properties worth.
Buying
How you can be ready to purchase and settle, then manage your home loan after settlement.
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Property settlement; how does it work
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How can bank Valuations and purchase price be different?
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Pre settlement inspections: ask us
As trusted advisors we can coach and assist you through your first home buying journey from start to finish, our services are without any cost or obligation and we are available at all times.
Why you would need us in your corner to help guide you through the 3 steps.
REFINANCE HOME AND INVESTMENT
If you have had your current Home/Investment loan for a few years, it is likely that your needs have changed. Your financial circumstances could now be different; your current lending may not have the flexible features that are now available.
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This is now the perfect time to review your Home/Investment lending to help you achieve your financial goals sooner.
Reasons to refinance & Invest:
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You could be looking for a better interest rate or new features and add-ons such as flexible repayments, redraw facilities and account splitting.
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You may be looking to use the equity in your home to renovate, or purchase an investment property, purchase Shares, or Wealth Creation.
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If you are coming to the end of a fixed-term, it is the perfect time to see if you can get a better Interest rate.
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You could be looking to consolidate debts such as personal loans, car loans, credit cards so you can manage your finances.
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Refinancing your lending could potentially offer tax benefits if you refinance to access the equity in your home and use those funds to Invest.
RENOVATING/CONSTRUCTION /DEVELOPMENT LENDING
Need a loan to build a house?
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You will need to find a reputable, licensed Insured builder, draw up plans, your builder can take care of this, you will require the following:
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Building contract, Specified House Plans, Progress payments schedule.
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How a construction loan works you will make progressive payments you can progressively draw funds as required during the construction, to help you save on interest. Payments are interest only until the loan's fully drawn down - after that, you may choose to keep making interest only repayments. Your interest only period starts from your first progressive payment. If you decide this option is right for you, your repayments will be lower during the interest only period but you will have to repay the principal down the track.
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We can guide you through the building process as we have the experience and have personally built several homes.
ASSET FINANCE
(CAR AND EQUIPMENT LOANS)
We at Mane Financial want to make it easier for you and your business to grow.
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There are various types of finance available to enable you to lease or rent equipment used in your business.
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These types of asset finance include Finance Leases, Operating Leases, Equipment Finance and Hire Purchase.
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Talk to one of our team today to find out how you can free up working capital for your business and financing the purchase instead.
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From motor vehicles, trucks and office equipment to earth-moving equipment, Mane Financial will be able to assist in finding an Asset finance solution for your business.
commercial property loans
At Mane Financial we believe that if it’s important for your business to operate in a specific area than why not buy your premises rather than having to lease.
You may even choose to invest in a Commercial property.
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We have a range of commercial lenders that we have available to be able to uncover the best products to suit the commercial property being purchased.
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By using a range of commercial lenders, Mane Financial can find the best product to suit your individual business needs.
Business loans
If you are thinking of buying a new business or franchise, buying or investing in commercial property, obtaining business capital or getting into residential or commercial property development a business loan might be an option for you.
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There is a large array of business loan types that have different repayment arrangements and interest rates, the best loan wont always be the one with the lowest interest rate so it’s always best to speak to the team at Mane Financial so that they can understand your business needs to have a tailored solution that works for your business venture.