Scenario 1: I am a first home buyer
Ready to step out and take your first step into property?
Sick of renting? Tired of not knowing if your landlord is about to raise the rent or sell the property? The uncertainty of renting and the restriction of what you can or can’t do to the property can get a little frustrating. Owning your own home is your chance to change all that. You’ve saved a 5% deposit and you’re ready to step up to owning a home of your own.
Buying your first home is a major milestone, and you’ll have plenty of questions along the way. Some of them will be:
- Where do I start?
- How much can I borrow?
- What sort of home loan best suits my financial situation?
- Am I entitled to any grants or concessions?
- Do I need a lawyer?
- When I find the home I want to buy, what do I do next?
Start getting your answer by talking to us today, Contact us today and start your journey to home ownership.
Moving day! Thanks to Edwena for the broker services, your help was greatly appreciated.
Sam L, Canberra
Scenario 2; I am refinancing my existing home loan
Time has passed and now its time to refinance.
If it’s been more than 18 months since you last had your home loan looked at, then it’s time to have a look. And if it’s been more than 2 years then it’s almost certainly time to refinance. The loan market is always changing, and banks and smaller lenders are always competing to offer better value and more features, so a loan that’s 2 years old is almost certainly a worse deal than something you could get today.
It’s not just about the interest rate (although that’s important!), It’s also about fees, flexibility, and features. Depending on how you manage your financial affairs, an offset account might be worth paying a slightly higher interest rate for, or an attached credit card might be just the thing you need. Perhaps you need a redraw facility so you can maximise your financial flexibility, it’s all about finding the perfect loan for you, your lifestyle, and your financial management style.
Talk to us today, we’d be happy to take the time to get to know you and your needs, and find the right loan for you.
“Edwena offers more than just broking. She has a capable and calm way of working through your needs and then developing a long term strategy. I look forward to working with Edwena again for all my broking needs now and in the future.
It is my opinion that each person needs to become financially independent. To do this you need a panel of experts, from accountants to investment advisors. I want to introduce you to one of my panel of experts, Edwena Dixon who is my finance broker. Recently Edwena made possible what was fast becoming impossible. Brokers assist you towards getting the best deal and Edwena offers more than just picking loans etc. This is a personal recommendation from me to anyone who requires a loan or even just to refinance your existing loans. If you are in the need or simply want to meet Edwena you have my personal approval! Thanks Edwena for the recent settlement and for clearing my head!”
Ben W, Melbourne
Scenario 3; I am upgrading to a bigger home
Time to get a bigger home?
Upgrading the family home is a key milestone in any family’s journey. You’ve invested countless hours in finding the right home, do you really have the time to track down the right loan?
Size and scale is what you’re seeking. More bedrooms. More living space. Possibly even an open plan kitchen and dining area, an entertaining space and probably a back yard the kids will love spending time exploring. You want to be close to good schools, and the neighbourhood has to feel like home.
So you know what features you need in a home, but do you know what you need in your loan? Your finance has to be the best value for you right now, with all the right features, but it also has to allow you to be flexible in the future. After all, are you sure that this home be your last upgrade? And even if it is, how soon do you plan on buying an investment property to help you on your journey to financial freedom? You need finance that is great value, and which is structured the right way with your future in mind.
Call us today, lets spend some time getting to know each other so that we can find the perfect loan that works for you today, and sets you up for tomorrow.
I greatly appreciate all the professionalism and advice you gave me in regards to Mortgages.
I would recommend Edwena to those who are interested in Mortgages and finances. Having a broker who has expertise and trustworthy is incredible valuable.
Tim H, Melbourne