The all-in-one-package
What the flapdoodle is the all-in-one-package?
Conveyancing and Finance combined in the one simple
package.
Here's how it works. Banks pay mortgage brokers big
fat upfront commissions for selling bank’s mortgage products
plus an ongoing trailing commission for the life of the loan.
If you use our recommended mortgage broker, Intuitive
Finance, part of the upfront commission they receive is rebated
back to you by way of lower legal fees. Our current special promotional
offer is your legal fees on a purchase will be zero. Yes, you will
still have to pay out of pocket expenses / disbursements. And on
occasion there will be some legal fees for addtional work such as
nominations, extensions, defaults or complex legal advice.
Bit like a combo. You will get the best ever conveyancing
service plus the best ever mortgage advice and service. Andrew and
his team take the stress out of choosing the loan, writing the loan
and settling the loan. It couldn’t be easier.
Here’s a test. Just try and fill out an
online mortgage application with any bank. Then call us and we’ll
put you in touch with Andrew. Good luck.
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Finance
Whether you are buying your home or an investment
property you need to set a limit on what you can comfortably afford
to pay. The two major factors which determine your borrowing capacity
are set by your equity and your income as well as your current debt
and credit card commitments.
The variables that determine the maximum you can
afford to bid or pay on your home or investment property are:
| • |
How much you can borrow? This is
primarily determined by your income and your current debt and
credit card commitments. |
| • |
Your savings or equity or cash
on deposit that you have. |
| • |
Government fees and transaction
costs – refer
calculator |
| • |
A budget for any renovation costs
you intend to spend. |
| • |
For an investment property you also
take into account the rent you expect to receive. |
Where you know how much you want to borrow and how
much you expect to pay for your property - click
here
The second calculator works out how much you can borrow
based on your estimate of how much you can afford to pay each month
for you loan repayment - click
here
To properly assess your borrowing capacity a
personal consultation is preferable, otherwise complete the application.
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