Making the decision to enter into the property market can be very exciting, but with this excitement can also come fear and nervousness.
If you are prepared for the purchasing road ahead you will be much more confident with your ability to make the right choices. The good news is that you are not alone. Of course, you may be doing this with your partner or a friend, maybe even a sibling? But, when it comes to deciding on your finance, you have the whole Diversifi Team on your side.
There are a number of steps that you will need to follow to get you onto the property ladder.Do your research
There are a number of real estate websites that you can access to make finding the right home much easier. Below are two of our favourites:www.reiwa.com
Choosing a home from the internet may seem like an easy way to find your home, but nothing compares to physically walking around the house and getting a feel for how you would use the rooms and place furniture and knick knacks.
Find the right homeloan for you
This is where Diversifi steps in. We have a Team of Finance Professionals ready to guide you through the borrowing process. With our state of the art software and extensive product knowledge our Finance Brokers will be able to source a lender, product and home loan package that suits your needs. They will also assist with:
- The First Home Owners Grant application
- Choosing a settlement agent
- Applying for the REBA Grant (if applicable)
- Getting a quote on home, health and life insurance
Once you have chosen the lender, the Diversifi Finance Broker will arrange to complete all of the necessary bank and compliance documents and submit the loan on your behalf to the lender. You will be kept informed every step of the way with our electronic system. We are proud of our paperless system and can assure you that we adhere strictly to all privacy requirements.
Our service to you does not end with a loan approval. We make sure that everything runs smoothly up until and after the settlement of the property. Even after you have received the keys from your agent, we will still be with you for the life of the loan. That is our commitment to you.
If at any time, after the loan has settled you wish to review your loan or get an update on the market, we are just a phone call or email away.
As a valued client, you will also receive an electronic newsletter each month to keep you informed of current trends and latest interest rate news and events.
Happy house hunting!
When you are looking for a car to buy, you would automatically think about your finance options. Most car yards will have an in-house broker that will be happy to write up your loan application. But, are they giving you the best credit advice?
It can be very exciting to be at the car yard looking at your dream purchase and unfortunately get swept up by the moment. Your normal level headedness can go out the car window when you are faced with making the decision to wait and get unbiased credit advice or to do a quick approval through whichever financier the rep recommends that will get you the car faster.
Take your time! Buying a car is a major decision and financing it correctly is just as important. Get your facts from your Diversifi Finance Professional and make an informed decision. Our car finance software will put you in touch with a panel of lenders, which you can then choose from based on rate, fees and convenience.
There are many different reasons as to why you are not a full time Australian resident and this doesn’t mean you do not qualify for a home loan to purchase a property in Australia.
It is a lot easier than you think!
An Australian living overseas If you are an Australian Citizen living and working overseas but still want to invest in the Australian property market, your options for finance are quite easy.
457 Visa and/or other Visa holders 457 Visa is the most common of visa holders seeking finance to purchase a home in Australia but this information can apply to other visa holder
Foreign Investor You can borrow money in Australia if you aren’t an Australian Citizen/Resident and would like to buy a property in Australia for investment purposes.