SERVICES
Rely on us to navigate the complexities of the financial landscape and help you achieve your goals!
NEXT HOME PURCHASE
You Are Ready To Buy Your Next Home. Let Me Assist You In Finding The Right Mortgage Option For You!
Whether you're looking to upsize, downsize, or relocate, we have the expertise to help you navigate the process and make informed decisions based on your existing assets and financial situation. Schedule an appointment today, and we can assist you with the following:
1. Home Loan Guidance: We'll help you understand the different loan options available to you and provide insights into interest rates, terms, and eligibility requirements.
2. Pre-Approval Assistance: We can assist you in obtaining pre-approvals for your next home purchase. Pre-approvals give you a clear idea of your borrowing capacity and help streamline the home buying process, as sellers are more likely to consider offers from pre-approved buyers.
3. Streamlining the Mortgage Process: We will help expedite the process of obtaining a new home loan or modifying your existing mortgage. By leveraging our knowledge and experience, we can guide you through the necessary steps and paperwork, ensuring a smooth and efficient transaction.
4. Determining Affordability: We'll help you assess how much you can afford to borrow for your next home. By taking into account your financial situation, income, expenses, and other factors, we will provide insights into your borrowing capacity, helping you make informed decisions.
5. Managing Existing Home: If you currently own a home, based on your financial situation, AG Mortgage & Finance Solutions can provide guidance on whether to keep, sell, or rent it. We'll consider market conditions, your financial goals, and other relevant factors to help you determine the best course of action.
6. Market Timing and Personal Circumstances: We can offer guidance on whether now is the right time for you to buy a home, taking into account market conditions and your personal circumstances. This will help ensure that your decision aligns with your long-term goals and maximizes your investment potential.
Throughout the process, AG Mortgage & Finance Solutions will provide personalised support, address your questions and concerns, and help you make informed decisions that align with your unique needs and objectives. Together, we will work towards securing your next dream home.
FIRST HOME BUYER
Saving for a deposit.
Saving for a deposit can seem overwhelming, but we've gathered tips to keep you motivated on your journey to owning your first home. Check out our Tips For Saving a Deposit Information Pack.
How much should I save?
In the past, a 20% deposit was required for a home loan. Nowadays, with Lenders Mortgage Insurance available, the minimum deposit needed is around 5% of the home's value. Aiming for about 10% is a good start, setting a clear savings goal. The more you save, the less you need to borrow, saving you on interest over your loan's life. Remember to budget for additional costs like stamp duty and legal fees as well.
Staying on track:
Saving a deposit is often the hardest part of your first home buyer journey. It takes the average Australian First Home Buyer four years to save a deposit for a house, and that’s a long time to stay motivated and stick to your goals. It may seem like an impossible task at first, but if you break it down into small and achievable goals, we guarantee you’ll get there quicker than you think.
Tips for saving:
- Set up automatic savings: Use a high-interest savings account to save 10% of each paycheck automatically. This prevents unnecessary spending.
- Pay off debts: Reducing credit card and personal loan debts saves you from paying interest and improves your loan application prospects.
- Cut back on non-essentials: Making small sacrifices, like skipping dining out or streaming subscriptions for a month or more, can accumulate savings.
- Sell unused items: Sell items you no longer need online or host a garage sale for extra funds.
- Review your spending: Regularly checking your expenses helps identify areas to save.
- Budget and stick to it: Utilize budget and savings calculators to plan your payments and manage your remaining funds effectively.
You're Ready. It's Time. You've Saved A Deposit......Now What?
When it comes to buying your first home, it's natural to feel overwhelmed however, we're here to assist and support you on your journey.
As your mortgage broker:
- AG Mortgage & Finance Solutions will alleviate the burden by dealing with the banks and lenders,
- Explain complex financial terms in everyday language so you fully understand the expectations.
- Ensure you access any available government grants and schemes.
- Secure excellent solutions, competitive rates, and suitable products tailored to your unique financial needs.
We are dedicated to serving you, not the banks, and ensuring that your best interests are prioritized throughout the entire process.
From establishing your budget and going through the pre-approval process to the final application, you can rely on us for expert advice. With our guidance, you'll be able to make a strong offer that aligns with your financial limits.
Let AG Mortgage & Finance Solutions be your trusted advisor on this exciting journey to homeownership. Give us a call or schedule an appointment today so that together, we can transform your dream of owning your first home into a reality.
REFINANCING & DEBT CONSOLIDATION
It's Important To Review Your Home Loan To Ensure It Remains Aligned With Your Long-Term Goals.
Refinancing your mortgage can be a beneficial option. While Australia has enjoyed a period of low-interest rates, recent economic factors such as high inflation have led the Reserve Bank of Australia (RBA) to increase its official cash rates. Consequently, banks have raised their interest rates, placing additional pressure on their customers.
If you're approaching the end of a fixed rate period or facing challenges managing rising interest rates, now is a good time to assess your financial situation.
Refinancing involves finding a new mortgage loan that offers more competitive terms compared to your current home loan. It may also include securing a fixed interest rate for a specific period, providing certainty in your mortgage repayments.
This process can be especially advantageous if you're considering renovating or expanding your family home. Through a cash-out mortgage refinance, you can access funds based on your home's equity, making it a viable option if you have sufficient equity.
Debt consolidation also serves as a significant incentive for refinancing your home loan. By consolidating all your debts, including your home loan, credit card bills, and other loans, into a single monthly payment, you can simplify your financial obligations and potentially save money through a lower interest rate.
While the idea of refinancing may initially seem overwhelming, with careful preparation, research, and support from your mortgage broker, the process can be navigated smoothly.
Let's assess whether we can secure a better rate with your current lender or explore refinancing options with improved rates and terms. With access to an extensive network of lenders, AG Mortgage & Finance Solutions can help secure competitive refinancing options tailored to your specific mortgage needs. Call us or schedule an appointment today
INVESTING
Are You Ready To Take The Next Step In Building Your Investment Portfolio?
As dedicated mortgage and finance specialists, we are here to assist you in securing the finances that align perfectly with your investment goals and requirements and with our expertise and industry knowledge, we can navigate the complex world of investments and ensure that you make sound financial decisions.
Whether you are a seasoned investor looking to expand your portfolio or a newcomer eager to enter the investment market, we are well-equipped to provide you with tailored financial solutions.
By assessing your current financial situation, risk tolerance, and long-term objectives, we'll guide you towards the most suitable investment options. From residential properties to commercial ventures, AG Mortgage & Finance Solutions have access to a wide range of lenders and financial products that can help you achieve your investment aspirations.
As your mortgage and finance specialists, we understand that each investment opportunity comes with its own set of unique challenges and considerations. That's why we are committed to offering personalized assistance throughout the entire process. From analyzing market trends to conducting comprehensive financial evaluations, we will provide you with valuable insights and recommendations, enabling you to make informed investment decisions.
With access to a broad range of lenders, we can help you secure competitive loan rates, favorable terms, and flexible financing options.
Don't let financing be a hurdle in achieving your investment dreams. Call us today or schedule an appointment and let AG Mortgage & Finance Solutions take care of the financial intricacies while you focus on building a thriving portfolio. Together, we can create a solid investment plan that aligns with your goals, maximizes returns, and minimizes risks.
ASSET FINANcE
Looking To Expand, Upgrade, Or Diversify Your Business? Is Your Equipment In Need Of Replacement?
Asset Finance is a smart funding solution designed specifically for businesses. Acquire the essential assets such as vehicles, machinery, technology or even a refurbishment to keep your business running efficiently while eliminating downtime and without exhausting your working capital.
Whether you're a small startup or an established enterprise, Asset Finance offers incredible benefits to fuel your growth!
Key Benefits of Asset Finance:
✅ Preserve Cash Flow
✅ Gain Tax Advantages
✅ Access Modern Equipment
✅ Flexible Repayment Options
✅ Fast and Streamlined Process
✅ Expert Guidance.
Let us assist you in finding the right solution tailored to your business requirements from start-up loans and lines of credit to finance for equipment and leasing.
Don't let financial constraints hold you back from achieving your business goals.
Take advantage of Asset Finance and propel your business forward!
To learn more about how Asset Finance can transform your business and to discuss tailored solutions, call us or schedule an appointment today.
The best time to buy a home was 20 years ago. The second best time is now.
Contact Us Today!
