The loan that suits me

 

I am buying my first home

I want to invest in property

I wish to build a new home

I am self employed

I want to refinance my home

I want to renovate my home

I am selling and buying my home

I have had trouble with debt and need help with a home loan

 

 

I am buying my first home

 

Buying your first home is one of the most exciting times of your life, but it can also be a stressful and daunting process. Let a Hall Mortgage Consultant can give you a helping hand to make your dream a reality.

We don’t leave you in the deep end once settlement occurs, we continue to assist you with a mortgage check ups, at no cost to you. A Hall Mortgage Consultant will explain the true costs involved in purchasing a home and the fees such as government costs, bank fees etc that you need to be aware of.

 

It can be exiting times when you make the decision to get into home ownership below are some of the factors you need to consider:

  • How do I qualify for the First Home Buyers Grant?
  • What if I have no deposit saved?
  • How will I know what I can afford?
  • How do I arrange a pre-approval?
  • Do I need to pay stamp duty and what are the other fees?
  • What are the honeymoon rates?
  • Should I fix my interest rate or go with a variable rate?
  • How do I buy at an auction?
  • What does a conveyancer do?

I want to invest in property

 

Investing in property can lead to potential returns and there are many options that you need to consider. Ensure you speak to your accountant or financial planner to make sure that your decision fits into your overall investment strategy. You may be after an investment for negative gearing, capital growth or retirement income, a HMC consultant can assist you to find the best strategy for you. The set up of your investment finance and loan product is just as important as finding the right property. Let a Hall Mortgage Consultant help you invest in your future dreams.

 

I wish to build a new home

 

Building your own home is a dream of many people, but the process can be daunting. A construction loan allows you to purchase land and then build your dream home or build on land you already own. The approval will be based on the price of the completed home and the lender will inspect the site and ask you to sign the builders invoice before payments are made. You pay the interest on the amount drawn during the construction phase and move to a standard payments upon completion.

There are many steps and a Hall Mortgage Consultant will assist you through the maze. Things you need:

  • a purchase contract for the land,
  • a builders fixed price contract for the construction with copy of builders insurance, 
  • plans and specifications with full council approvals.

I am self employed

 

 

Hall Mortgage Consultants have the experience and expertise to assist self employed people to get the right home loan that suits them. Running a business is time demanding and you may find you’re financial details are not up to date, a Hall Mortgage Consultants can help your get into a property either as owner occupied or investment.

 

I want to refinance my home loan 

 

As you life changes you financial needs also may change and a Hall Mortgage Consultants can assist you to find a loan that suits your lifestyle today and beyond. You may need extra finance to do minor home improvements, buy shares, go on a holiday or a number of other options. We'll find the right loan tailored to your needs, as well as setting out the costs of refinancing and highlight how much money you can save, no obligation. 

 

I want to renovate my home

 

Life is always changing and evolving. What suited you before may not suit you now. You can use the equity in your home to complete some renovations whether major or some minor improvements. To complete a major renovation you will need a builder’s fixed price contract, plans and specifications approved by your council.

The approval will be based on the completed value of your home. You will only pay interest on the loan amount drawn at each stage. A Hall Mortgage Consultant will be able to guide you through the process.

 

I am selling and buying my home

 

There are many reasons why you may need to sell and buy a new home. You may be adding to your family, relocating with your job or upsizing / downsizing. The reasons are varied but let a Hall Mortgage Consultant assist you, as it’s about timing.

 

You may have bought a new home before you have sold, or while in the process of selling. If this occurs you may need bridging or relocation finance to help until your home sells. A Hall Mortgage Consultant can help guide you through the process.

 

Struggling with debt

 

The interest rates on credit cards, store credit, car leases and personal loans can be very high. Refinancing and consolidating debt into your home loan to take advantage of the lower interest rate is an option that you may consider, speak to a Hall Mortgage Consultant first.

 

Contact a Hall Mortgage Consultant

 

Let a Hall Mortgage Consultant give you help in securing your future financial security. A HMC consultant pride themselves on their professional standards that are conducted under the Mortgage & Finance Association of Australia code of practice.

Contact a Hall Mortgage Consultant for a no obligation discussion on your requirements, needs and unique situation.

 
 
 

Hall Mortgage Consultants           ABN: 19 670 106 954. 

Office:50 Fullarton Road, Norwood, SA 5067.   Phone 0419 857 517   Postal : P.O. Box 208, Highgate, SA 5063.  Email :  sales@hallmortgage.com.au

 
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