Homelending,madeclearer.

First home buyers

Yourfirsthome,withaclearerwayin.

Buying your first home can be a complex and stressful experience—and it may be your biggest purchase. Home Loan Advocate can provide expert first-home loan advice and help you into your first home.

Our role

• Find the best deal based on your situation
• Explain assistance that may be available to first-home buyers
• Review your deposit source and discuss other available options
• Keep communication clear throughout the process
• Support you through to settlement, as stress-free as possible

Investment lending

Financeforthepropertyplansahead.

Property can be an effective long-term wealth-creation strategy. With a range of investment loans available, the right finance can help you secure a property investment that suits your needs at a competitive offer.

Our role

• Consider how to use equity while minimizing risk
• Understand the deposit needed for an investment property
• Build the right loan around your needs—interest-only or principal and interest
• Keep the process moving with a fast, stress-free turnaround

Refinance lending

Amortgagethatstillworksforyou.

There are many reasons to refinance a mortgage: to seek a lower rate or shorter term, move from an adjustable to a fixed-rate mortgage, consolidate debt, or make room for the next financial goal.

Our role

• Source the best deal from banks to benefit you
• Consolidate short-term debts
• Borrow for home improvements
• Lower or increase repayments based on affordability
• Change your loan structure to an interest-only payment or interest-and-principal arrangement
• Create more flexibility in finances with a loan structure that better suits income and expenses

Construction & renovations

Build,renovateandkeepthefinanceontrack.

A home renovation loan includes funds for renovating, remodeling and repairing a home. It is usually a mortgage with extra money for improvements, so the renovation is still well below the current value of the home. It is important that this purchase will impact the value of the home over the long run.

Building a house involves more than choosing a design. Once we understand what you need to progress a build or renovation, we can make the finance process as easy as possible—from application to the final draw-down. Construction is completed in stages and payments are due after each stage; we will explain every stage as you go.

Our role

• Renovation lending
• Build and construction finance
• Funding aligned with construction stages
• Guidance from application to final draw-down