First Home Buyers

Buying your first home?

Congratulations!

Read about how we can help

Family Movers

Buying your next home?

We know it's not any easier than the last.

We have many tips for you

Re-financers

It makes good financial sense to review your home loan from time to time.

Why not try our free consultation?

Investors

What do you need to know before you buy an investment property?

We have all the information you need

We provide a professional & confidential service in
customised finance solutions
sourced from our extensive panel of lenders.

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Our Team

Michele Mansfield

It's so important to me that every client enjoys an exceptional experience.

Alisha Perry

I love guiding and helping my clients through the exciting and sometimes daunting process of buying a home.

Tiffany Donaldson

I will ensure everything about your property purchase runs smoothly and nothing is left to chance.

Happy Clients

Michele's service is fantastic.

She has a thorough knowledge of the industry and is able to provide advice, and tailor a loan to suit your requirements. Any time of the day or night she is there is talk through all of the available options and solutions.

Alex. First Home Buyer
Michele provided an efficient personalised service that was reassuring every step of the way. She took all of the hassle out of the mortgage process. Michele was always available if there were any questions.

Keith. First Home Buyer
Michele's communication was fantastic. Emails were regular and informed me on what's going on throughout the process. ..Michele searched for the best products for my situation.

Roger. Investor

FAQ

How much you can borrow depends on three individual factors that must be taken into account. These factors are capital, capacity and cashflow.

Capital
Capital is all about your existing assets (cash or properties as investments). How much deposit you want to put towards your property and whether or not you have demonstrated a genuine ability to save.

Capacity
The lender will consider your income and all your financial commitments. If you have credit cards, their limits are usually assessed as if they are fully drawn.

Cashflow
When it comes to cashflow, a lender will want to know about your spending habits and budget in order to arrive at a realistic repayment amount.

Contact us if you would like to make a time to discuss how your personal property goals align with these three considerations.
The answer to this question hinges on your own individual circumstances and goals which must be taken into consideration with the type of fixed rate loans currently on offer.

We’ve put together a little questionnaire below to help you formulate your position.

Why not take a moment to work through the questions, then talk to us about your answers? In conjunction with our overall assessment of your individual needs, these questions will help us to decide what the best course of action for you is.
1. On a scale of one to ten, how upset would you feel if variable rates went below the rate that you fixed?
1 = not at all worried, 10 = kicking yourself

2. On a scale of one to ten, how upset would you feel if variable rates rose, and you hadn’t fixed?
1 = not at all worried, 10 = kicking yourself

3. Which one of these two has a higher rating out of 10?

4. Will you still have the property at the end of the fixed rate term?

5. On a scale of one to ten, how important is it for you to know for certain what your repayments will be for the term of the fixed rate?
1 = extremely important, 10 = not at all important

6. On a scale of one to ten, how likely are you to want to make additional repayments over the fixed rate term?
1 = extremely likely, 10 = not a chance

Read our tips on fixed rate loans
Contact us if you’d like to receive my monthly interest rate update.
The very first step is to start saving. It sounds simple enough, but these days saving money can be hard work.

The key to saving is to set goals. We’ve got some handy ideas that may assist you in working out your savings goals.

Once you’ve saved enough for the deposit and other costs, contact us to make an appointment to discuss how you can start your buying journey.

Read our tips on Steps to buying a property
Apart from saving for your deposit, you need to plan for other costs. These could include:
  • Lender application and/or establishment fees
  • Building and contents insurances
  • Debt protection insurance
  • Government charges (stamp duties, registration and land transfers)
  • Conveyancing costs
  • Property inspection costs (pest, building etc)
  • Property maintenance issues that you will need to attend to as soon as you take ownership
Contact us if you would like more information about these costs.
To be eligible for First Home Owners Benefits, you must live in your home for more than half of the first year.

If you bought an investment property after 1 July 2000 that you’ve never lived in, your eligibility for one or more of the First Home Owner Benefits will not be affected. You would still be eligible to apply for the benefit on the purchase of a property you intend to live in.

Read our tips on First Home Owners Benefits
There are three types of loans that you can use to effectively use extra money to reduce your interest expense each month: a redraw loan, an offset loan and a line of credit.

Each of these has different costs, benefits and methods of using them most effectively.

No one type is the right solution for everyone, as it will depend on what the loan is used for, your control over your personal budget, your risk profile, and the fees and charges associated with the loan.

To find out what type of loan will best suit your current and future financial goals, contact us.

Together we’ll discuss your needs and goals to ensure that we choose a loan type with features that exactly meet your needs.
Your equity is the difference between the value of your home and the balance of your loan. Your current lender will always keep part of the equity as security for the loan, but the remaining balance could be used by you to borrow to purchase an investment property.

If you have enough accessible equity, you may even be able to borrow the investment property’s whole purchase price, plus costs – maximising the tax effectiveness of your loan and reducing how much of your own cash you have to contribute.

If you’re thinking of using the equity in your home to buy an investment property, you need to know where you stand.

Contact us with your property address and we’ll send you a free Property Profile Report.

This report provides detailed electronic assessment of your current property, so we can start analysing how much equity you have and how you could use it to invest in future property.
Your equity is the difference between the value of your home and the balance of your loan. You may be able to access your equity by either increasing your loan with your current lender or re-financing with another lender.

The process and costs will be different for cosmetic renovations (e.g. painting, carpets, adding a pool) than it would be for structural renovations such as an extension.

To find out how you can access the equity in your home, contact us to make an appointment.
As a part of our ‘customer for life’ philosophy and under the National Credit Consumer Protection legislation, I have an obligation to discuss and explore your financial, budget and personal goals with you.

The details of this discussion will be captured in our Client’s Needs Analysis.

We will then provide you with a written recommendation of a loan or loans that will be suitable for you, and include a personalised loan structuring recommendation.

The fee for provision of this mortgage advice is $0!

If you’re happy to proceed with one of the loans we’ve recommended, we will manage the whole process on your behalf. This includes liaising with the lender, conveyancers, real estate agents and any other parties involved in the process.

The lender will pay me a commission for managing the process, which is why we don’t charge you a fee.
A negatively geared investment property is one where the costs of owning and maintaining it (loan interest, council rates, maintenance etc) are higher than the income received as rent. The net outgoings create a loss that is usually an allowable tax deduction.

The way that your overall loans are structured will depend on your other financial and tax requirements. Important considerations include whether or not you have other debts and whether or not they are tax deductible.

Read our tips on Negative Gearing

There are certain ways to structure your overall debt position that will help your accountant easily distinguish the tax deductions possible.

We're happy to work with your financial planner or accountant or to ensure that your loan structure meets your taxation and financial planning requirements.

If you don’t have a financial adviser or accountant and would like to find a professional to help you, we have a great network of advisors that we can recommend.

Our Banks and Lending Partners