There are a number of products on the market and it is important that you find a solution that best suits your needs and serviceability.
At Gstreet Finance, we pride ourselves on our ability to get your loans settled! There are various types of home loans, all offering different rates and features. Always check the terms of your loan.We have extensive experience in all things lending, including:
 Investors
From those looking to take their first step into the investment market to those looking to find a way to expand further after their bank has said no. I have a number of investment properties and can offer you first hand experience as well as the lessons learnt from my clients over the years.
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 Family Break Downs / Divorce
A break down in a relationship can be very difficult. Even more so when property assets have to be taken into consideration. We have a lot of experience in assisting those in need of refinancing in order to complete a separation and move on. Give us a call for a confidential discussion.
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 Self-Managed Super Fund purchases and refinances
For those who have a Self –Managed Super Fund (SMSF) or those considering establishing one. An ever increasing number of Lenders are offering more and more competitive products for financing of both residential and commercial properties. We can refer you to accountants who specialise in the field of SMSF who will guide you through the establishment and running of an SMSF. Once the fund is established – we can source loans that will allow you to borrow up to 80% of the value of a property’s purchase value.
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 Those with “bad credit” or who don’t fit the Bank’s idea of a regular client
If the Banks have said no – we have a number of lenders who may say yes.
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 Construction and property development
Whether it is a residential home, a duplex or triplex development right through to multi unit commercial developments. We have access to a range of funders around Australia and internationally who want to complete for the business.
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 Self employed – with or without tax returns, financials etc
A lot of people are turned off purchasing property because they feel the Bank will not give them a loan without tax returns. Let me show you how “low doc” and “lite doc” loans can offer the ability for those without all the paperwork secure loans from a variety of lenders.
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 Those who are asset rich but cash poor
Those clients who have accumulated property over the years – and are now looking for a way to access the equity. Maybe for another purchase, a business expansion or to take advantage of a business opportunity. A number of lenders on our panel offer products that will allow you to utilise and control the funds you currently have in bricks and mortar.
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 First Home Buyers
Your first home purchase is probably the biggest and most important transaction of your life. We have helped literally hundreds of young ( and not so young ! ) secure the finance to enable them to enter the property market. Let us help you to ensure the process is stress free.
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 Looking to correctly structure or restructure your finances?
There is nothing more detrimental to an effective wealth creation strategy than an incorrect structure. In consultation with your accountant of financial planner we can assist to ensure that your finances are set up to give you the maximum benefit and flexibility. And we can recommend good Accountants and Financial Planners if you are unhappy with your current suppliers.
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 Debt consolidation
If you are paying off credit cards, personal loans, car loans, business loans, and/or tax debts on top of your home mortgage and the repayments are crippling your cashflow we can look to consolidate the debt. The idea is to look at the whole picture and recommend the most appropriate products that give you the time and interest rates that allow you to wipe the slate clean and get away from living week to week.
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 Refinances
How long has it been since anyone had a good look at your home loan? With the market constantly changing, and new products available on an almost weekly basis maybe it is time to have a look at your mortgage. The loan that you got 2-3 years ago may no longer be the best product for you. With a free “home loan health check” we can quickly compare what you have now and show you how it compares to what is out there. Who wants to be paying more than they have to?
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 Private Funding and Second Mortgages
Private funding is a specialist area and is available for property purchase or refinance and assists people who may have:
– Commercial or residential property
– Company structures
– Bad credit rating
– Ex –bankrupts
– People who require funds quickly
– No tax returns or full financials
– Significant equity
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 Professional Packages
Professional Packages are now widely available from a number of lenders, yet people are often not aware of these packages and the benefits they offer such as discounted interest rates and a range of other features. Many people will now qualify for these packages as eligibility is determined by loan size and not by income. I’ve negotiated further discounts for higher loans, let me do the negotiation for you, it’s a free service. I would rather see you save money than the Banks make it!
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 Find out your target Property’s Value
We subscribe and use Australian Property Monitors and are delighted to be able to share this national resource with our clients. Property reports assist in providing accurate valuations which help to ensure our clients do not pay too much for their next purchase.
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 I love to negotiate with lenders
Our lenders have great products, but I believe they make more than enough money – why should my clients pay any more than they have to in high interest rates and unnecessary fees and charges? Let me do the negotiating on your behalf. Because we deal with them day in day out – we know what the lenders can and cannot do. We also know how to get them to compete for your business. We will ensure that you do not pay a cent more than you have to. Between them the major banks alone have over 150 products and then there are the hundreds that belong to the specialist banks and lenders. Let me help you to make sense of it all and guide you towards the one that is best suited to you. Our service is free of charge as we are paid by the lender to take care of all the paperwork.
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We also specialise in helping out first home buyers, loans for those of you who have employment that is out of the ordinary and have great knowledge in company, trusts and SMSF mortgages.
Our role as your mortgage specialist is to provide you with comparison of various loan options from a panel of lenders, and assist you with choosing the right loan for your circumstances.
Please call us on the details below and one of our mortgage brokers will contact you to discuss your eligibility for a home loan.
