Home Loans And Finance Services

It’s time to find a better deal

WMB can help you find a better deal for all of your finance requirements.  We have access to a wide range of lenders with variable rates currently from 3.79% p.a. (3.84% p.a. comparison rate) and fixed rates from 4.14% p.a. (4.19% p.a. comparison rate).

Our range of products and services include the following:

First home buyers

Finding the most competitive rate is uppermost in the minds of most first home buyers.  Our job is simple – we want to find you a better deal by understanding your needs and desires. Only then do we seek the best options for your first home loan from our range of lenders.

Refinancing your existing home loan

When was the last time you reviewed your home loan? It is now a highly competitive home loan market in Australia with hundreds of  products and some great rates. We have access to a large panel of lenders, including the major banks.

A saving of just 0.2% p.a. on a standard 25 year, $500,000 home loan can save you over $53,000. This is why people are seeking a better home loan deal.

Investment property finance

Time to buy that first investment property or extend your existing investment property portfolio? We’re here to help with a better deal.

Purchasing an investment property can be complex and good advice is essential. Banks and other lenders regularly change their terms and conditions which makes them difficult to navigate. We have access to the major lenders and we will search for a better deal that meets your needs.

Self Managed Superannuation Funds (SMSF) Property Loans

It is now possible to purchase an investment property and a commercial property by using your SMSF. There are plenty of hoops to jump through and you need to know all the facts before contemplating this strategy.

We are associated with Northern Wealth Advisory Group (Hillross), who are established financial advisers. Together, we bring a unique partnership of expertise to build a plan that matches your needs for a secure financial future.

Pre-approvals

How much can you afford to borrow? Need it in writing? We can help and arrange a pre-approved loan that will enable you to search for a new home or investment property with confidence.

Fixed and variable rate loans, or a combination of both

Most loans can now be structured to offer interests rates that are variable (change as interest rates move up or down) and interest rates that are fixed for a certain number of years (generally between 1 and 5 years). We can also package loans that offer a combination of variable and fixed for greater flexibility that will limit the impact of sudden changes to interest rates.

Lines of credit

A line of credit is a loan that provides enormous flexibility and is ideal for people who wish to take advantage of the equity in their own property. They are also ideal for people who may have a fluctuating cash-flow by allowing different payment deposits and withdrawls to and from the loan.

Before proceeding with a line of credit it is important to understand the terms and conditions as they vary from one lender to the next. That’s where we can help by making sure we secure the best option to meet your needs.

Low doc loans

Low documentation loans, better known as ‘low doc’ loans, are often suitable for people with fluctuating incomes. For example, people who operate a small business. The lender will approve a loan with  less information than a traditional loan. However, low doc loans are not without their challenges and usually carry a higher interest rate than a traditional home loan.

Debt consolidation (credit cards, personal loans)

It is easy to fall for the trap of having many debts through different credit cards and personal loans. This can be expensive in terms of fees, interest rates and the time taken to manage them. A debt consolidation loan will allow you to pay off those loans by having one consolidated loan. This loan will normally provide you with substantial savings through a lower interest rate when compared to credit cards and personal loans, by utilising the equity in your home.

Commercial lending

Are you looking to buy your office, retail shop or investing in commercial property? Finance for commercial properties requires skill and experience due to the nature of these investments. With over 30 years experience, we can make sure that we seek appropriate options for you after scouring the commercial lending market.

Construction loans

Securing a loan for the construction of any property can be tricky. The lenders will often seek additional documentation with varying terms when compared to most other loans. Skill and experience is required to secure the right loan that will have no ‘surprise’ conditions.

Margin lending

A margin lending loan is usually secured by shares listed on the stock market and investment funds held through a trust. They allow you to ‘leverage’  your investment which can result in better gains and bigger losses. Care must be taken to fully understand the opportunities and risks associated with margin loans.

Deposit guarantees

If you find your ideal home but your cash is tied up, a deposit guarantee could be your answer. The deposit guarantee can be structured to help you buy your new home without selling down your investments. Normally, the deposit guarantee will be paid back in full at the time of settlement.

General home and contents insurance

Home and contents insurance is vital and over recent years the cost of insurance in some locations have sky rocketed. We have all seen the distressing media stories of people suffering financially and emotionally, as a result of not having insurance. In many situations, people have discovered that some events were not covered in the policy they owned.

Bridging finance

Bridging finance is the finance you need to ‘bridge’ between buying and selling a home. Not all home purchases fall exactly to the timing you want and you may need additional finance in place to purchase one property as another takes time to sell.

Ongoing Care and Service

We provide a complimentary annual review service to ensure that your finances are still in good shape and appropriate for your changing needs. Of course, should you wish to discuss your situation at any time before the annual review, feel free to contact us directly.

How to get started?

We are here to help you find a better mortgage and finance deal. Call James now on 02 9418 1766 to arrange a convenient time for a conversation. Alternatively, make an inquiry at our  Contact Page.

#Comparison rates are based on $150,000 loan, 25 year term, paid monthly. Different terms, fees and other loan amounts might result in a different comparison.