Step-by-step guidance purchasing your first home

When it comes to buying a second home this can be a bit more complex than when you bought your first home. Should you buy first or sell first? Can you keep your current loans in place? How do you get together a deposit? Will there be break fees?

Whether it’s purchasing your first investment property or adding to your portfolio I can help guide you on your options. Getting the right advice is key to making sure your loans are structured correctly, to protect yourselves against future changes in personal circumstances and bank policy changes.

Refinancing is a term which means you change your mortgage from one bank to another. There are a lot of things to consider before doing this such as break fees, lawyer's fees and cash back agreements. I can work with your current bank and a new bank to provide you options and let you know the advantages and disadvantages.

When your fixed rate is coming up for renewal I can help you negotiate your rates with your bank and check they are competitive with what is being offered in the market.

I am happy to review your current loan structure and offer advice and recommendations which is a free service. This review will include looking at your current loan structure, fixed rates, cashbacks that are in place, if you have revolving credits or offset facilities and that they're working for you.

Being self-employed can sometimes mean your income isn’t as straightforward as being employed. Some banks will say you need 2 full years financial statements however this is not always the case. Navigating a set of financials and understanding your business is my speciality.