Rated 5 from 37 Reviews
Buying a home or investment property is an exciting milestone, but understanding Home Loan options can feel overwhelming. At CFC Finance, we provide personalised assistance to help you access Home Loan options from banks and lenders across Australia. Whether you're a first-time buyer or an experienced investor, we're here to guide you through every step of the process, ensuring you secure the best terms possible for your financial situation.
When considering Home Loan options, one of the first aspects to evaluate is the type of interest rate that suits your needs. Fixed interest rate home loans offer stability in your monthly repayments, shielding you from fluctuations in the property market. Conversely, variable home loan rates can provide flexibility and potential savings if the home loan interest rate decreases. CFC Finance can help you weigh these options to determine which aligns best with your financial goals. Furthermore, we assist you in calculating home loan repayments, ensuring you have a clear understanding of your future commitments.
Understanding the loan to value ratio (LVR) is crucial when applying for a home loan. The LVR is the percentage of the property value that you're borrowing, and it plays a significant role in your borrowing capacity and the need for lenders mortgage insurance (LMI). Typically, a lower LVR means less risk for lenders and may result in interest rate discounts. Our team at CFC Finance will help you evaluate your LVR and explore ways to optimise it, such as increasing your deposit or leveraging existing home equity.
The application process for a Home Loan can be intricate, but CFC Finance is committed to making it as smooth as possible. We'll guide you through gathering necessary documents like bank statements and assessing your credit history to ensure you're ready to apply for a home loan. Getting pre-approved is a strategic step in this journey as it provides clarity on your borrowing capacity and strengthens your position when making offers. With our streamlined application process, we aim to make applying for a home loan efficient and stress-free.
Stamp duty is another important consideration when buying a home, as it can significantly impact your overall budget. At CFC Finance, we help you factor in these costs when planning your purchase. Additionally, we assist in setting up features such as offset accounts, which can reduce the interest payable on your loan, thereby saving you money over time.
In summary, exploring Home Loan options doesn't have to be a complex endeavour. With CFC Finance by your side, you gain access to comprehensive support tailored to your unique circumstances. Whether it's understanding the nuances of fixed versus variable interest rates, navigating the details of LVR and LMI, or simplifying the Home Loan application process, we're here to assist. Contact us today to discuss how we can help you achieve your property goals with confidence.
Initial Consult with CFC Finance
Have a chat with a qualified Mortgage Broker who will understand your situation and talk you through the next steps.
Home Loan Fact Find
Your Mortgage Broker will work with you to understand a bit more about your situation (including your financials, assets etc.) to make sure you will qualify for a Home Loan.
Home Loan Pre-Approval
Once you're approved, you can start bidding or making offers on properties you want to purchase.
Settlement
You settle on the property, your Home Loan draws-down and you're good to go!
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Snehaa Senthamilselvan Easwari
Before I met with Kyle from the CFC team, the thought of getting a mortgage felt incredibly daunting. However, from our first meeting, Kyle completely put my mind at ease. He was so patient and knowledgeable, breaking down complex information into easy-to-understand steps. Not only did he find me a perfect loan, but he was a fantastic guide from start to finish. I feel like I've gained a mentor in the mortgage broking world. This is just the start of our mortgage journey, and thanks to Kyle, I feel prepared and confident. I'm so grateful for his support and highly recommend his services. A massive thank you to the wider CFC team (Catherine, Glaze and Charlene) who are prompt, diligent and extremely thorough. Look forward to working with CFC again!
MH
Mark Hurst
A team that is attentive and responsive to my needs as they address my financing with a level of sophistication that allows me to continue building my property portfolio each time an opportunity arises. The ‘can do’ attitude from Glaze through the new loan journey to Catherine after the deal is done is second to none. Thanks CFC!
JL
Joris Langewouters
I have been working with CFC for many years. They are extremely professional and think out of the box to find the best financial solution for you. Kyle is an absolute legend and has been my go to person for any homeloan related question for ...
We take look at a wide range of products available from Banks, Credit Unions & other lenders across the country. This means we can search thousands of products and make sure we're always recommending the best Home Loans for our clients.
We can help with Home and Investment Loans, Construction Loans, Car Loans, Personal Loans and much more. If you're looking to borrow to buy something, we can probably help.
We love helping First Home Buyers! We're experts at the entire process and can help you get the right Home Loan. We're also across the various schemes to help First Home Buyers such as the First Home Owners Grant and the various stamp duty exemptions available.
Of course! We believe that we can find the best interest rate for you to refinance to, whether it's a Home Loan or Investment Loan.
Mortgage Brokers are there to help you find the right loan whether it be from the major banks, smaller lenders or other sources. We have a broad range of products (more than any single lender can offer) which means we can do all the legwork to find the right loan for you.
All of our Mortgage Brokers are accredited and members of the Mortgage and Finance Association of Australia. They are extremely professional and provide exceptional service across a range of lending options.
Manson Solutions Pty Ltd ABN: 33 633 819 271. Credit Representative #505383 is authorised under Australian Credit License #390094.
Disclaimer: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.
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