Shoalhaven
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Shoalhaven
Book a conversation
Explore scenarios, send Paul and Mitch a secure enquiry or start gathering the information needed for an application.
These tools open securely in a new window. If you are unsure where to start, send a quick enquiry or request a callback.
General answers to common lending questions. Your own position may be different, so talk with Paul before making a decision.
A broad picture is enough to begin: your income, current commitments, savings or equity, the amount you may need and what you are hoping to achieve. Paul can then explain which supporting documents will be needed.
Lenders mortgage insurance, often called LMI, may apply when the amount borrowed is high compared with the property value. It protects the lender rather than the borrower. Whether it applies and how much it costs depends on the lender, loan and circumstances.
An eligible offset account is linked to a home loan. The balance held in the account is offset against the loan balance when interest is calculated. Features, fees and eligibility differ between loan products.
Construction lending is usually released in stages as work progresses. Lenders commonly require a fixed-price building contract, approved plans and other project information before approval.
Sometimes your current lender can offer a different product or structure. A proper review can compare that option with alternatives while considering fees, benefits and the total cost of changing.
Yes. The available options and documents depend on how long the business has operated, how income is demonstrated and the lender’s policy. It is worth discussing the position early.
Tell us what you are working towards and get a clearer view of the next steps.