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Home Loans

There’s more to getting a home loan than just going to your bank or using any broker. 

Buying your home is possibly the biggest expense you will incur in your life. This is why you need a market leading professional to guide you through the process.

The structure of your loan needs to be set up to not just cater for you living in the property now, but to also take into account the possibility that you may turn the property into an investment property in the future as you build your portfolio.

Your home loan also needs to take into account many other factors such as your cash flow now and in the future. Perhaps you may want to take time off to have a baby, change jobs, become self employed, or want to protect yourself against future interest rate rises, just to name a few.

At NFG Finance, we have extensive knowledge of the variety of home loan products available. We’re also skilled at helping you to work out the factors that will be important in the structure of your loan to identify which one will best match your unique circumstances.

What is Property Finance?

If you own or are looking to buy a property (residential, commercial, industrial or rural), NFG Finance can arrange the finance and assist with purchasing or re-financing – saving you time, money and stress.

Get The Expert Advice You Crave

Contact an NFG Finance Broker today for a confidential, obligation-free chat about how we can help plan your home loan to match your life’s goals and circumstances.

Our Property Finance Services:

Home Loans: Buying your home is possibly the biggest expense you will incur in your life. This is why you need a market leading professional to guide you through the process.

Investment Loans: Of all the things to consider when borrowing to invest, it is the structure that is the most important. With the wrong loan or ownership structure in place, it is possible to end up losing a lot of money by paying too much in interest and not getting all the tax deductions that may be available to you.

Refinancing Loans: The finance market has changed dramatically over recent months, let alone the past few years. Your current loan may have been the optimum solution and lowest interest rate for you when you originally set it up, however newer options have recently come on the market.

Low Document Loans: Low document loans are popular with many self employed people who either do not have tax returns completed at the time they need finance, or their historical income does not give a true reflection of their current income.

Off the Plan Purchase: Before lending money to a developer for the construction of an apartment block (for example), the lenders normally require the developer to have sold a certain percentage of the properties to future buyers. When you buy one of these properties, you are “buying off the plan”.

Deposit Bonds: Being able to move quickly to secure a property can save you thousands of dollars on the purchase price. Whether you are “buying off the plan” or if you do not have 5% or 10% of the new purchase price in cash available to pay a deposit on a property, we can arrange a deposit bond for you.

Construction Loans: If you are planning to build or renovate a property, a construction loan enables you to pay your builder in instalments as the building progresses. The lending institution may lend up to 100% of the building costs once they are happy with the future value of the property and your ability to service the new loan.

First Home Buyers: The NFG Finance team completely understands the nerves and questions that you may have as a first home buyer. We were once first home buyers ourselves. We are very well known in the industry for taking the time to explain each step, and we can guide you through the whole finance and property purchase process.

Pre-approvals: Obtaining finance pre-approval is the most important thing to do before you go shopping for your new property. Just like you don’t go to the supermarket without checking you have your wallet, it can be a waste of time to go looking at properties if you do not know whether or not you can get the finance.

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