Services – Home Loans
Residential Home & Investment Loans
Whether you are buying your first home, dream home or investment home, our mortgage broker gives you a wide range of choices
First home buyer loans
Buying your first home has always been the great Australian dream and is one of the biggest financial decisions you will ever make. It can also be an overwhelming process so it is important to get the right advice from a mortgage broker you trust and with the experience to give you the correct, up to date information on all options available to you.
At Smooth Sailing Finance, we are first home buyer specialists and will be with you for every step of the process. We offer both offset and redraw loans, and will find the right home loan for you, as well as organising any first home buyer grants or incentives that you may be eligible for so you can focus on finding your new home.
Schedule your Obligation Free Consult
Home loan refinance
If you’re like many people, you have probably had the same home loan for several years, having taken a ‘set and forget’ attitude, and might be surprised to find it is no longer competitive. Your loan might have been perfect for your situation when you took it out, but is it the right fit for you now? Could you get a lower interest rate and improved features to help pay off your loan faster and save money? Are you making multiple payments to credit cards and personal loans every month and feeling like you’re never getting ahead? How much equity do you have in your home now and would you like to access this equity to renovate or invest? Life is always changing, and your home loan should change with you.
We make refinancing smooth sailing by firstly reviewing your existing loan/s to see if it is suitable for you and how it compares to other options available on the market. This can mean renegotiating with your existing lender to get a better interest rate and/or structure. Then compare this to other choices from our panel of over 40 lenders with over 1,000 home loan options.
Schedule your Obligation Free Consult
Building a home
Have you dreamed of building your own home from the ground up, creating the perfect home for you and your family? It’s hard work but we know the finance ropes and will take the stress out of this so all you need to worry about is choosing colours and tiles.
Schedule your Obligation Free Consult
Investment property loans
We love helping clients grow their wealth through property investment and understand the importance of getting the best possible finance deal to maximize your return on your investment. It is important to do your homework on before you dive into property market and we can provide support and resources to assist in the decision making process.
Schedule your Obligation Free Consult
Case study: Loyalty doesn’t always pay
Jack and Maddie had been with their bank for over 10 years – they had their everyday account, credit card, home loan, investment property loan, car loan, insurance policies, superannuation and share trading accounts with the same bank. They even had their kids’ accounts and Jack’s business account with that bank.
When the expiry date on their fixed interest rate of 1.94% came up, they were given the option of a variable rate of 3.09% or a range of fixed rates at even higher levels. They asked the bank if this was the best they could do after seeing variable rates as low as 2.29% advertised for new customers to their bank. The bank then reduced the rate to 2.68% and said that was the very best they could do.
Jack and Maddie felt deflated and disappointed that their long-term loyalty to this bank didn’t make any difference and were overwhelmed with the thought of changing banks.
But this story has a happy ending….
They approached Smooth Sailing Finance with their situation and after an initial review of their accounts and discussion about their requirements and objectives, we were able to find a product that met these objectives at a rate much lower than the existing bank. This equated to saving them $75 per week in interest costs meaning they can pay off their loan faster or have additional cash to help with rising costs of living. We took care of the entire refinance process so that it was completed quickly and Jack and Maddie could be saving money sooner.
Is your lender rewarding you for your loyalty? Could you use some extra cash in your pocket every week?
