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Loan Types
Home Loans
Ipswich Home Loans can assist you in your quest to find the perfect home
loan to suit your individual needs. There are a wealth of products available
on the market today to suit the needs of home owners. Choose from Variable
rates, Fixed rates, or why not split your loan? Ipswich Home Loans will
help you find the best option to suit your needs!
Investment Loans
Purchasing an investment property can be a great way to create and build
wealth. The long term viability of investing in property has proven a
popular path for many investors. If you have sufficient equity in your
owner occupied property, or have a cash sum you are looking to invest,
you may fit the criteria to purchase an investment property. Currently
there are attractive tax concessions available for investors in real estate.
It is a good idea to discuss your options with your accountant or financial
planner. Lender requirements vary depending of the location of the investment
property sought to be purchased. Call Ipswich Home Loans today to learn
whether you are eligible to purchase an investment property, and indeed
what your borrowing power is!
Refinance
The home loan you originally took out when you purchased your property
may not be the best loan to suit your current and future requirements.
This may be due to a change in lifestyle circumstances, or that there
are more suitable home loan products that would be more beneficial for
you now and in the future. Many home owners look to consolidate other
debts into their home loan at a lower interest rate and improve their
ongoing financial position. You may wish to use equity in your home to
renovate or redecorate your home, go on a holiday or purchase a new vehicle.
Ipswich Home Loans will assess your options and show you if refinancing,
or staying with your current lender is the best option for you now, and
in the future.
Construction Loans
Most lenders provide finance for construction loans. It is important to
take into account the associated costs that a lender may charge with a
construction loan. The majority of lenders would typically charge 4 to
5 progress payments during the construction phase. This could typically
add $300-$400 to the cost of a construction loan. Ipswich Home Loans can
explain these costs to you and find the loan that most suits your requirements.
Ipswich Home Loans could even find you a lender who doesn’t charge
for progress payments!
Non-conforming Loans
Non-conforming loans can be a excellent alternative source of finance
for clients who wouldn’t fit the normal credit guidelines of a typical
lender. If you have a poor credit history or have been self employed for
less than 2 years, then this type of lender may be suitable. The non conforming
market is growing every year and there are some great lenders out there
with great products! If you are worried about your credit history and
wish to get back on track, or are self employed and having trouble finding
a standard lender who is willing to lend to you, call Ipswich Home Loans,
they have an extensive range of lenders and products for you to consider!
Lo Doc Loans
Lo Doc Loans are ideal for the self-employed clients who are not in a
position to produce their financial statements to lenders. Lo Doc loans
now make up a large, growing segment of the home loan market. Most lenders
now offer Lo Doc loans, however as with all types of scenarios there are
lenders who are more competitive than others. Don’t waste your time
with one lenders options, call Ipswich Home Loans and discuss your needs
and requirements and match them with our panel of over 30 lenders!
Debt Consolidation
Too many debts? Credit cards maxed out? Struggling to cope with your current
financial commitments? There are many reasons for undertaking debt consolidation
into your home loan. Personal loans and credit cards typically charge
a much higher rate of interest than you would be able to get by consolidating
the debt into your home loan. If you want to ease the financial burden,
then debt consolidation may be an option for you. An appointment with
Ipswich Home Loans will determine if debt consolidation is your best option.
The team will look at your current situation and work with you to find
the best solution to your needs.
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