- A smarter way to a better Mortgage.
Need Help With Your First Home Loan?
Buying your first home is an important step - and if you make the right decisions it can help form the foundation on which to build assets for life. And the right decision doesn't only mean finding the right property - it involves choosing the right type of loan from the best lender too.
If you're a first home buyer, you'll typically need to borrow a higher percentage of the valuation of your property. This can involve extra costs such as mortgage insurance. As a first home buyer you may also qualify for government grants and other state and national incentives that may be available from time to time. What is a first home buyers grant?
The federal goverment introduced the First Home Owner Grant in 2000 to facilitate buying first homes. The grant is not means-tested and consists of a one-off, tax-free payment of $7,000.
Your AHL Consultant is an expert at helping their customers decide which loan is the best for their situation, making sure you receive all the benefits for which you qualify and keeping the costs to a minimum.
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Ready to Buy Your Next Home Investment?
When you've been through the process of buying a home (or two or three...) before, it's not as scary - but can still be stressful. Since you last purchased a home your situations may have changed and you may now be a more astute property purchaser.
Your current property may have appreciated in value, thus decreasing the percentage of the valuation of the property that you need to borrow.
You have become an attractive client to a lender, you'll have a stable track record of making regular repayments, you are no longer a high risk borrower. These factors will help you to finding a much better deal.
This is where the knowledge and experience of your AHL Consultant can be invaluable. They'll help you decide which loan is the best for your situation, making sure you receive all the benefits of the loan of your choice.
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Sell Your Home with Greater Ease!
You may wonder how a home loan company like ours can help you sell your home - the answer is by giving you more flexibility with time and perhaps money.
Most people selling a home are also buying or building another home - and that's where we come in. We can help you get a loan for your next home before you've sold the first one (some conditions may apply - ask your Consultant for details).
This means that if you've found the right property to buy, or you want to start building, you can do it straight away. Then, you have the time to go through a proper sale process and ensure you get the best price for your existing home. Sounds good doesn't it? It can be, but like many things in life, it can also have risks.
This is where the knowledge and experience of your AHL Consultant can be invaluable. They'll explain all your options and the advantages and risks associated with each. Then they'll ensure you get the full benefits from the loan of your choice.
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Home Improvements, Extensions & Renovations
Sometimes the costs associated with selling and buying a new home (agent's fees and stamp duty) can be out of proportion to the benefits you gain. That's when it makes sound financial sense to look at renovating or extending your home. In some cases home owners can do it for around the same as the buying and selling costs for a new home.
When it comes to financing your renovations there are a range of options available. Which one is the most appropriate for you depends on your individual circumstances and factors such as how much equity you have in your home, any current loans, your overall financial situation and your timeframe. Working through all the options and taking everything into account can be reasonably complex, but very rewarding.
This is where the knowledge and experience of your AHL Consultant can be invaluable. They'll look at your total situation and work with you to explain all your options and the advantages and risks associated with each. Then they'll ensure you get the full benefits from the loan of your choice.
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How to Best Consolidate Your Debts & Loans
Statistics show that Australian household debt is at record levels. And many people are paying more interest than they need to on their debt. What this means is that it can be difficult, cost a lot more and take a lot longer to reduce the amount owing.
If you have debts - especially those with very high interest rates such as credit cards or personal loans - it can be very wise move to consolidate them into one loan at a lower overall interest rate.
This has the twin benefits of saving you money and making it easier to track (and control) how much you owe.
When it comes to consolidating your debts there are a range of options available. Which one is the most appropriate for you depends on your individual circumstances and factors such as how much equity you have in your current home, the nature and number of your debts, your overall financial situation and your timeframe.
Working through all the options and taking everything into account can be reasonably complex, but very rewarding. This is where the knowledge and experience of your AHL Consultant can be invaluable. They'll look at your total situation and work with you to explain all your options and the advantages and risks associated with each. Then they'll ensure you get the full benefits from the loan of your choice.
Click here to Contact us to help you now.
Refinancing Home Loans & Mortgages
It's not uncommon for people to be paying more interest than they need to for their home or investment property loan.
Sometimes it's because their circumstances have changed, other times it may be there are much better deals available now than when they first got their loan.
So, if you think you might be in that position, it's worth checking with us to see what options may be on offer.
It's worth remembering though, that there may be costs involved in paying out your existing loan and establishing a new one, so all the figures have too be carefully checked.
Discover more about your options and how we can help you by clicking on the links below.
What ever your situation, we can help you work out the best choice using are experience and knowledge.