Are you looking for a Home Loan ?
for buying your first home
or for buying your replacement owner occupied home
or for buying your residential investment property
for re-financing your existing home loans
for debt consolidation
We will help you buy your first home
If you are eligible for the First Home Owner's Grant (or Great Start Grant in QLD),
we will help you submit your Application for the Grant
We will help you remove the stress by:
· helping you to work out how much you can afford
· making an appointment to meet you at your home
· helping you choose a suitable home loan from AFG's wide panel of Banks and non-Bank Lenders
· helping you to complete all the necessary documentation for your home loan
· explaining to you about all the other costs involved like stamp duty, conveyancing fees, and bank fees
Which Loan type is more suitable to you ?
Variable rate loans
or Fixed rate loans
We will help you buy your first home
If you are eligible for the First Home Owner's Grant in QLD,
we will help you submit your Application for the Grant
We will help you remove the stress by:
· helping you to work out how much you can afford
· making an appointment to meet you at your home
· helping you choose a suitable home loan from AFG's wide panel of Banks and non-Bank Lenders
· helping you to complete all the necessary documentation for your home loan
· explaining to you about all the other costs involved like stamp duty, conveyancing fees, and bank fees
· helping you to apply for the First Home Owner's Grant if you are eligible
· explaining to you about what documents and information you would need to provide to us to support your application to the Bank or non-Bank Lender, such as a copy of your Driver's Licence, your payslips, your bank statements as proof of savings, your tax returns and tax assessment notice etc.,
· keeping you informed and updated on a professional and timely manner throughout the loan application process up to the property purchase settlement
Are you buying a residential investment property ?
rental income receivable from the residential investment property may be used to support the loan repayments in the repayment serviceability calculation
Are you looking for a home loan or residential investment loan with another bank or non-bank lender that offers better interest rate, better loan features, better customer service etc. or are you looking at consolidating your debts ?
Ask us about any Cash Rebate for Refinance available at the moment
Are you looking for a Construction loan to finance your construction of residential property ?
Which Loan type is more suitable to you ?
Variable rate loans
The interest rate charged on a variable rate loan may move up or down as it is announced by the lending bank or non-bank lender relative to the interest rate movement in the money market or movements announced by the Reserve bank of Australia.
Pros (Advantages):
loan repayments required may decrease as the announced interest rates fall, standard variable rate loans offer flexibility and additional features, such as the ability to make additional loan repayments, redraw facility (make withdrawal from the loan when your accumulated loan repayments are ahead of the required repayments) allow borrowers to pay off the loan more quickly without any penalty, borrower may set up offset account facility to save on interest payable on the loan
Cons (Disadvantages):
loan repayments required may increase as the announced variable interest rates rise,
Fixed rate loans
Borrower may fix the loan interest rate for a time period of 1 to 5 years so that the interest rate charged will remain unchanged for the number of years that the interest rate has been fixed.
Pros (Advantages):
loan repayments required do not increase if the announced variable interest rates rise,
provide peace of mind for the borrowers with the fixed interest rate remaining unchanged during the time period when the interest rate has been fixed
Cons (Disadvantages):
loan repayments do not decrease if the announced variable interest rates fall,
allows only limited extra loan repayments,
penalty may be charged for early repayment of the loan before the fixed interest rate period expires
Testimonials
Mortgage Broker Frankie gave us great advice and support on choosing and securing finance for our first home.
He ensured that the whole process ran smoothly and I was confident that his research found products that covered all our needs and provided value for money.
We really enjoy living in our new home knowing that we chose the best loan that suited our needs at very competitive interest rates.
I will definitely recommend him to friends and family. Thanks Frankie!
James & Jess
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It is such a great experience that we had Frankie as our broker for re-financing our home loan as well as selecting the most suitable bank loan arrangement for our investment property.
Frankie's extensive knowledge on mortgage and lender's considerations is very impressive. His advices on various criteria of selecting suitable types of loan from different banks were major attributes to our success of securing loans with very competitive interest rate.
Throughout the process Frankie coordinated closely with banks and our solicitors and monitored the progress carefully. The re-financing process started just a couple of weeks before Christmas and Frankie managed to get all steps done timely and completed the loan establishment process when we were far away from home enjoying our long holiday without any hassle.
Frankie is trustworthy and we have no reservation to recommend other home buyers using the service from Frankie.
Francis & Enid
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Frankie, thank you very much for your speedy response to our request.
Your co-ordination with the bank and our solicitors have been very helpful.
Once again thanks a lot for your kind assistance in the matter of our borrowing.
Fiona & Sandy
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Frankie, thank you for helping me buy my first home.
Andrew
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Frankie gave my wife and I much needed advice and guidance in selecting a home loan and purchasing our first home.
We have heard of the difficulties that can occur when securing a home loan within the relevant deadlines.
We found that Frankie was on top of all the paperwork and important details, and as a result, the whole process went very smoothly with absolutely no hiccups. Thanks Frankie.
Samuel & May
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Frankie, I would like to thanks for your guidance and professional advice on the mortgage. You have a very good passion to serve your customer. You will take care all the aspect of our home loan and processing. I have no hesitation to recommend my friends or relatives to you.
Once again, thanks for your generous assistance.
Noel & Richard