Melbourne Apartment Finance

Apply for a competitive loan with the help of the expert team from Buying Melbourne Apartments. Find your next home, and finance, all in one spot.

Great Service

by Anonymous

I had the pleasure of dealing with Arron Wheatley who guided me through the mortgage process for my first home. I found Arron to be super helpful, co

Choose from 25+ lenders.

Not all home loans are equal. Our experts will compare products from over 25 lenders, and find a product and rate that is best for you.

Want to know how much the cost of buying will be?

Thinking of refinancing?

Whether you’re looking for a better rate, to lower your repayments or pay off your loan faster and save money, our experts can help you through every step of the process.

Buy Melbourne Apartments

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Get started by using the form on the right, or simply give us a call or send an email to inquire about our services.

At our firm, we view our relationship with you as lifelong. Rest assured, we always prioritise your best interests, both now and in the future.

With extensive experience in finance and mortgage broking, we’re committed to finding the ideal loan for you. Our goal is to simplify the process and ensure transparency every step of the way. Contact us today to learn more!

Our Services

Standard variable & fixed rate loans

The variable rate loan offers more features and flexibility than the basic or “no frills” loan, so the rate is usually slightly higher. Fixed rate loans are set at a fixed rate for a specified period – usually one to five years. The advantage of allowing you to organize your finances and repayments without the risk of rising interest rates is offset by the disadvantage of not benefiting from a drop in rates.

Investment Loans

Investment loans are structured in a specific way that allows you to make the most of your assets! An investment plan is one that works towards building your wealth and securing your financial freedom. For some, the future may seem a long way off, but the time to act is now because the future waits for no one. The housing market is generally a seven to ten-year cycle: there are always highs, lows, and steady patches.

First Home Buyer Assistance

A home buyer can obtain financing (a loan) either to purchase or secure against the property from a financial institution via a mortgage broker (that’s what we do!). Features of mortgage loans such as the size of the loan, maturity of the loan, interest rate, method of paying off the loan, and other characteristics can vary considerably. It’s always best to speak with a mortgage broking professional to determine the loan that is right for you.

Low Doc Loan

A low doc, or low documentation loan is for self-employed borrowers who don’t have access to all the documentation that an employee may have, such as PAYG payslips. Some lenders ask for BAS statements or trading statements to verify the income. Some lenders ask for as little as an accountant’s letter.

SMSF Loans

An SMSF loan is a home loan used by a self-managed super fund (SMSF) to buy investment property. The rental income and superannuation contributions are used to make the repayments. The property cannot be acquired from, lived in, or (except in very limited circumstances) rented out to a fund member or any of their related parties. Investing within superannuation is not as straightforward as investing outside superannuation, and a larger deposit is generally required to satisfy lending requirements.

Reverse Mortgage

A reverse mortgage is like a normal home loan that has been designed for people in retirement. It allows people aged 60 and over to release equity from their home (or investment property) to live a more comfortable retirement. You can boost your income with regular top-ups, take a lump sum or have a cash reserve for unexpected expenses or a holiday you always wanted to go on. Importantly, you continue to own and live in your home.

Bridging Loans

A bridging loan may be necessary to cover the financial gap when buying one property before the existing one is sold. This finance is generally secured against your property as you are utilizing the equity in your existing property. Usually, bridging loans are short term and more expensive than other types of loans.

Honeymoon Loans

A loan with lower repayments for the first six to twelve months. After the ‘honeymoon’ the loan becomes a standard variable loan and the repayments increase. Make sure that you can meet the higher repayments for the remainder of the loan. You could also be faced with a fee at the end of the honeymoon period to switch to another loan type.

Commercial Loans

Due to expensive upfront costs and regulation-related hurdles, smaller businesses do not typically have direct access to the debt and equity markets for financing purposes. Therefore, they must rely on financial institutions to meet their financing needs. Commercial Loans are renewable loans used to finance a company’s immediate working capital needs. These can be large or small scale and usually operate short-term.

Insurance

We also specialise in helping you secure your loan and financial freedom by offering risk and life insurance. Through our valued partnership arrangement with an insurance brokerage firm About Risk, we are able to offer our clients a range of different insurance opportunities. This service offers free consultation and even if you are happy with your current insurer for your home, business, or any other insurance requirement, call the office for a second opinion on price and cover.

Contact Us

Tony Street

Phone: 0417 331 263
Email: tony@streetwizefinancial.com.au
Address: 380 St Georges Road,
Fitzroy North VIC 3068

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