HOME LOANS FROM SB EXPERTS
Buying a home is a dream for everyone. Today, due to strict lending criteria, it has become hard to obtain the right home loan to buy a property. But with due diligence and the right approach, it is possible to enter the property market with a loan that suits your requirements.
At SB Experts, we can help you step into your first home with all the necessary support from the very beginning. We know the process as well as the documentation required so that you don't have to worry about it. Our lending specialists will assess your individual situation and will guide you every step of the way with our flexible options to suit your needs and information to help you make the right decisions.
HOME LOANS
Buying a home is one of life’s major stepping stones, and organising the right finance for this important event is crucial.
Home loan interest rates are currently low, so it’s a great time to get yourself established in the property market. However, with so many different home loan products available, it can be time consuming and complicated to sort through all the information about the many different options.
Even if you have got a home loan in the past, it is still a good idea to go through the following points to make sure you make the most appropriate choice for your new loan. Some of the key points are:
- What sort of home loan is best for you? Home loans can offer fixed, flexible or variable rates or a combination of these options.
- Will you be able to afford repayments if things change in the future? While interest rates are currently low, they are likely to increase at some stage, and you need to plan ahead for this.
- Are there any hidden costs and/or monthly fees?
- Does the loan offer convenient payment options?
- Will you be able to easily make extra repayments if you want to, without any penalty?
- Does your loan offer you flexibility?
These are just a few of the many things you need to consider, and the choices you make today can have a big impact on your financial situation tomorrow.
That’s where SB Experts can help. Our experienced and knowledgeable mortgage brokers will talk to you to determine your needs and preferences and will recommend home loan options to suit you and your circumstances. With their expert advice to guide you through the process of organising finance, you can look forward with confidence to settling in and enjoying life in your new home.
FIRST HOME LOANS
Probably the biggest financial commitment of your life
In the market for your first home loan? Congratulations. This is the start of an exciting and rewarding journey for your family. There is a lot for you to know and learn which will make you more aware and better informed. At SB Experts, we have helped dozens of families buy their first home by making sure we do our due diligence and make the process really smooth for them. We are ready to do the same for you.
What you need to know before choosing a Home Loan
Affordability: Make sure you work out the repayments and can afford to service the loan.
Loan Features: It’s always a good idea to understand different types of loans and their interest-related features.
Fees & Charges: You should be able to make additional repayments towards your loan with any penalty or charges. Make it a point to know about other hidden charges too.
Flexibility: A good home loan offers flexibility to accommodate any change in your circumstances such as pregnancy, loss of income, etc.
For more information about the First Home Buyer Assistance Scheme, CLICK HERE.
REFINANCING
Not happy with your current mortgage? There are options available.
It is not unusual for some borrowers to feel their mortgage no longer meets their requirements. They may be locked into a high interest rate, or stuck with features which don’t offer much value. Some people find that the loan they get no longer meets their needs. This is when a refinancing loan can come in to make the situation better.
Refinancing is the process of repaying your current loan by obtaining a new loan. This can be done either from your present lender or from a different lender.
Why you may opt to refinance
In home refinancing, borrowers can pay off an existing home loan and replacing it with a new one under new terms. There could be many benefits you can get in refinancing. Below are only a few reasons why people opt for refinancing:
- Secure a better rate to reduce a monthly payment gives you peace of mind
- Consolidating other debts, such as credit cards or personal loans may allow you to lower the interest rate of your loans
- Switching to different loans may provide more convenient features
- Unlock your home’s equity to finance a refurbishment
- Free up some money for property investment
Refinance with the guidance of SB Experts
There are many ways and reasons to refinance. From lower interest rates, shorter mortgage periods, to converting a variable-rate mortgage to a fixed-rate mortgage - these are just some of the benefits of refinancing your home loan. Let us SB Experts help you understand the process so you can get the maximum benefit of switching to a better loan.
INVESTMENT LOANS
Invest in real estate to create a financially secure future.
Do you want to build long-term wealth to secure your future? We all do. There are solid reasons and statistics to show the benefits of real estate and other forms of investment. While the merit and potential of real estate investment are well known, obtaining investment finance can take a lot of extra work. Property investment loans allow you to borrow money to invest in land, houses, units or commercial property. Interest rates on investment property loans are usually higher than home loans, as the risks for the lender are higher as well.
Types of Investment Loans
Margin Loans: This type of loan allows individuals to borrow funds to invest in managed funds, approved shares, and exchange-traded funds or ETFs.
Investment Property Loans: These loans for investing are designed for borrowers who want to acquire properties with the intent to sell or to rent them. Typically, after acquiring the property, the investor would prepare it for sale or rent.
Get your investment loan through SB Experts
When you work with SB Experts, you get access to hundreds of loans from our wide choice of lenders, We will do the research for you and negotiate a competitive rate to make sure your investment loan works for you.
