- 'Expert Solutions to Your Custom Financial Goals'
Personal
Supporting First Home Buyers
Just starting out and not sure what kind of loan you need? No worries! We are here to help. As a first home buyer, you can obtain finance from a financial institution (a loan) either to purchase or secure against the property, with our assistance. Features of a mortgage such as the size of the loan, maturity of the loan, interest rate, method of paying off the loan and other characteristics can vary considerably. It’s always best to speak with a professional mortgage broker to discuss your options. We can also help you determine your eligibility and apply for all the applicable Government Grants.
Residential Property Refinance
Refinancing can be considered an easy way to reduce your home loan payments or get a better interest rate. With the interest rate rising fast, refinancing gives you an option to evaluate your options with various lenders for getting the best deal. Refinancing also enables you to consolidate your debts for reduced monthly payments at more competitive rates. You can either go with a traditional refinancing with taking a new loan equal to your existing loan or can opt for Cash-out refinance by obtaining a new loan in an amount greater than you existing loan. Our association with more than 50+ lenders will give you a wide range of products to choose from.
Renovation and Extension on Residential Property
Home renovations are usually expensive. Whether you want to renovate your kitchen, bathroom or extend the property by building an additional dwelling, or simply want to complete your dream home improvement project, it likely requires additional funds that you would need to borrow. We can help you by getting a renovation loan that will support your vision and need.
Residential Property Development Lending
Looking to build multiple properties on one block of land? We are here to help. Residential Property Development loans are structured for smaller-scale developments up to four units and help in maximising lending options.
Honeymoon Loans
A honeymoon loan (or introductory loan) is a loan with lower interest rates or lower repayments for the first six to twelve months. After the ‘honeymoon’ term, the loan becomes a standard variable rate loan, and the repayments will change to include the current standard variable interest rate. When taking out a honeymoon loan, it’s important to make sure you can meet the potentially higher repayments for the remainder of the loan. You could also be faced with a fee at the end of the honeymoon period if you want to switch to another type of loan.
Bridging Loans
A bridging loan may be necessary to cover the financial gap when buying one property before your existing one is sold. This finance is secured against the existing property (utilising equity) and the new property being purchased. Usually, bridging loans are short term (normally 6 months) to allow for the sale of the original property and more expensive than other types of loans. There are alternative ways to finance a change from one home to another and with our expertise we can guide you by discussing your available options.
Residential Lending to SMSF
SMSF Residential Loan enables you to use the funds in your self-managed super fund to purchase a residential investment property. We specialise in assisting our clients to build their property portfolio by using their SMSF that helps them to have direct control over their investments. At Edhas Finance, we help you find the right SMSF loan for your needs and help explore what other lending options may be available to you. We work with your financial planner and accountant, to ensure the process is compliant as per the SIS ACT.
Lending Solutions for High-net-worth (HNW) clients
We aim at understanding our high-net-worth client's requirements by taking a personalised approach to effectively assist them with customised solutions tailored to their complex needs, not just standard solutions. Believing communication to be an integral part of our association, we maintain regular and open lines of communication to discuss our clients' adjustments to their current and future goals and advise them about opportunities and options for their continuous growth.
Not sure what kind of loan you need?
The major benefit of using a broker to finance other large purchases besides property is obtaining finance that is tailored to fit your current financial circumstances and needs. With depreciating assets, the right finance can also potentially save you money on interest and fees, or potentially help you maximise your tax benefits. AND MORE – Not sure what kind of loan you need for your current financial circumstances? That’s our job. We deliver tailored finance solutions chosen from a panel of leading lenders, and give you peace of mind that your loan is working for you. Contact us today to find out all the ways we can help you.
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