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loans for individuals, couples and families

The Australian economy is still strong with a welcome rise in employment and interest rates still at historic lows with fixed rates currently below 4 percent. The Sydney and Melbourne markets have had near record growth but are now falling to something more sustainable. Brisbane is starting to pick up and can be expected to take off as investors look for higher rental yield and lower entry prices.

The AUD is holding at around 70USD cents so bad news for anyone who took out a foreign currency loan for their Australian loans ( something we have been strongly advising against).

Expats have generally been caught up in the prudential risk tightening over the past year. This generally means lower LVR and higher interest rates however we can arrange good competitive home loans for investment or home buyers for Australians expats at up to 90% LVR (loan to valuation ratio) with LMI (lenders mortgage insurance) available through only a few lenders, including full featured home loans eg: 100% offset accounts and some loans for investors with no interest rate loading.

If you are planning to return to Australia there are some very important lender's policy guidelines that you really need to take into consideration, we are happy to go over these in detail. However for example if your spouse isn't an Aussie citizen your borrowing capacity may be limited to 80% with many lenders. Did you know that there are two kinds of spousal visa and one isn't a permanent visa or did you know that a permanent visa may only be valid in policy terms when the visa holder actually resides in Australia. There are countless variations on policy including restrictions on high-rise, post codes, employment history, credit inquiries, zoning, CBD, land title etc. That's why you need a professional mortgage broker.