Property
Property Finance
Property Finance Solutions,
Property Finance Solutions, it's
Property Finance Solutions, it's what
Property Finance Solutions, it's what we
Property Finance Solutions, it's what we do.
We are Mortgage Brokers that work with you and for you.
Whether you are buying your first home, first investment property, reviewing interest rates, whatever your situation we help you navigate through the property finance process to achieve your goals. We offer you access to multiple banks and non bank lenders (often referred to as 2nd tier), expert advice, and guidance around loan structuring and committed support throughout the process, all while aiming to save you time and money.
Mortgage Brokering is not just a service we provide, it's our passion and expertise.
First Home Buyers
Starting the journey to purchasing your first home is exciting, but it can also be very intimidating when you do it all on own, particularly with all the information available and the unknown process involved. That’s where we come in to provide confidence, direction and value. Whatever your reason, let’s chat.
Existing Home Owners
Like a Warrant of Fitness for your car, it is important to also do your Warrant of Finance. Often a review of your existing home loan finances can save you on interest costs, provide you with finance confidence to get you on the investment property ladder, consolidate debts to reduce your monthly outgoings. Whatever your reason, let’s chat.
Property Investors
If you are contemplating purchasing your first investment property and want to understand how you utilise equity to assist with the deposit OR you have an existing property investment portfolio that requires reviewing to ensure the current structure meets your current needs, then we can assist. Whatever your reason, let’s chat.
Our Mortgage Broker Services
One Size doesn’t fit all
One size doesn't fit all when it comes to mortgages.
Our personalised tailored focus approach means exactly that, we focus on you, listen to your unique financial situation and goals, to help you find the best mortgage or loan solution for your needs.
Whilst we provide the advice and guidance, the power of the decisions always remains with you.
Why Us?
Range of Lenders
We have access to a wide range of lenders, including banks and non-bank lenders, which allow us to find the most suitable and competitive mortgage options to suit your needs.
Expert advice
We provide transparent advice, expert knowledge of the mortgage market, including interest rates, fees, and loan terms, to assist you in being able to make informed decisions. Sometimes your financial position at the time is such that we may need to work on things like increasing your savings, reducing your short term debts to name a few before submitting your application to a lender.
Experience
Our experience allows us to ensure your application to the lender is submitted with all the merits of getting approved. We understand the criteria of lenders, to ensure we are not submitting application for practice.
Save time and hassle
Shopping for a mortgage can be time-consuming and stressful, so we take on that role and do the legwork for you, saving you time and hassle.
Negotiating power
We negotiate with lenders on your behalf, which can often mean we can secure better terms and rates than you could on your own. Tailored solutions: Each client is different, we aim to provide tailored solutions to meet your unique needs and financial situation, rather than offering a one-size-fits-all approach.
Declined?
Being turned down by a lender for a home loan can be heart breaking, but there are steps you can take to improve your chances of being approved. It could simply mean exploring other lending options.
Ongoing support
We will provide ongoing support throughout the mortgage process, from pre-approval to closing, and can answer any questions you have along the way. We will also continue to assist you after settlement with an annual financial review and also when home loan fixed rates are due to be reviewed.
The P&P Way
How do we work with our clients?
First Contact
This is where we discuss your finance goals, what you are wanting to achieve and ensure we are the right company to assist you.
Information Gathering
We will request from you various financial details such as your income, assets and liabilities, banking statements etc in order to understand your current situation.
Analyse and Advise
We will review your financial information and provide professional recommendations that align with your finance goals for your review.
Submission
Once agreement has been confirmed on our recommendations, then the application will be submitted to the bank or lender for approval.
Loan Approval
When a bank or lender approves your loan then we will need to meet and go over the details of the approval and the next steps.
Settlement
This is when you move into your home, acquire your new investment property or when the lender has paid money for a top into your bank account or simply put when the transaction has been completed.