FIRST HOME BUYERS

We’ll guide you through this exciting process to ensure it is seamless and satisfying, not stressful
We will give you:
An individual assessment of your circumstances to determine how much you can borrow and how this translates into a purchase price.
A clear understanding of the various First Home Buyer incentives, grants and schemes and which of these apply to you.
A guiding hand from your initial decision to buy through to settlement to ensure you don’t miss any important steps or information.
With so many loans and lenders, finding one that really suits your needs can be quite daunting, even for experienced property buyers.
It’s easy to walk into your existing bank, right? You’ve been there since you opened your first account! eZee Mortgages not only has greater access to a wider range of loans, we have the experience and expertise to narrow these down to just a handful of options, tailored to you.
We’ll help you choose from these options, manage the entire application process, and secure the all-important approval that gives you the green light to buy.
We are also here to guide you through the buying process, as we appreciate it is a new experience! We want to ensure you don’t miss any key steps and make sure you understand every aspect in easy-to-understand language.

NEXT HOME BUYERS

Selecting an appropriate loan product and structure is just as important as interest rates.

We offer you:

  • A detailed understanding of your future goals and aspirations when assessing the most appropriate lender and product options.
  • A through number-crunching exercise to determine your borrowing capacity and deposit.
  • Full service from the start of the discussion through to application and approval, to unlocking your new front door!

Deciding when to move on from your current home is an exciting and important moment. It’s natural to spend a significant amount of time researching the right house, size, location and determining your ‘non-negotiables’.

What about time spent researching the best way to fund the purchase? This is what we do day-in, day-out, so we know the questions you’re about to ask next, and we have the answers – or, at least, we always know where to find them.

Is there an option to keep your existing property as an investment? If not, do you need to sell before you buy? If not, can you release some equity for the deposit? What is your actual borrowing capacity in each scenario?

There is a lot to consider and it could be confusing to know where to begin without some professional guidance.

PROPERTY INVESTMENT

We’ll ensure you have the right loan structure to maximise returns on your investment.

We offer you:

  • A considered assessment of the type of investment loan that suits your requirement.
  • Close collaboration with your accountant or financial advisor to maximise tax efficiencies.
  • A tailored financial structure that takes into account your circumstances and your goals.

Investing in property is a common step in many investors’ long-term wealth creation strategies. Similar to your home loan, investment loans need to be tailored to your unique circumstances and particular purpose.

Understanding and selecting a loan that takes into account the bigger picture of your financial situation is paramount for maximising your goals and investment return.

At eZee Mortgages, we often work in close collaboration with your accountant or financial advisor to ensure that the appropriate financial structure can be truly tailored to your circumstances and your needs.

REFINANCING YOUR LOAN

As your circumstances and aspirations change, we will help you adjust your financial arrangements to fit.

We offer you:

  • A thorough review of your existing loan structure, product and interest rate.
  • An assessment and comparison of revised lender options tailored to your unique set of circumstances and purpose.
  • Management of the application and approval process to ensure you experience a smooth transition.

Refinancing your home or investment loans is a fantastic way to obtain a lower interest rate and utilise these savings to your advantage.

It’s also the perfect time to complete a thorough review of your overall facilities and consider if the product and structure are still competitive and appropriate in achieving their purpose towards your goals.

Beyond interest rate alone, you may refinance to release equity for a new purchase, to finance a new car or property renovations, or consolidate your financial arrangements into a simplified, more manageable structure.

Each needs to be treated on its merits: the combination of your existing arrangements, your reason for restructuring, incentives being offered by lenders, and a number of other factors.

That’s where eZee Mortgages’ expertise really kicks in. Not only do we understand all of the reasons that make a restructure a good move, but we know which particular lenders and loans can best be tailored to suit your particular purpose.

CONSTRUCTION LOANS

Whether you are renovating, building, or completing a development project, we will make sure your financial foundations are solid.

We offer you:

  • A clear explanation of how a construction loan differs from a standard home loan.
  • Access to a range of lenders and products that are suitable specifically for this purpose.
  • Our capacity to service your needs, from start to finish, including the application, progress payments, valuations and approval.

Whether you’re renovating, knocking down an existing structure and rebuilding, subdividing your property, or completing a multiple-development project, there are specific financial products that are designed for your needs. However, each has its own set of parameters, so what might look suitable at first glance can sometimes look less so when thoroughly assessed.

That’s where it really pays to have eZee Mortgages’ expertise on your side. We’ll be able to eliminate any options that are either unsuitable or less attractive and narrow down the field to just a handful that are fit for your purpose. Then, we’ll clearly explain the differences between the options on that shortlist as we help you decide on the right fit.

Of course, you’ll also have the advantage of our full service to complete the paperwork, deal with any questions, manage the application process, and ensure you get a timely approval.

SELF MANAGED SUPER FUNDS

A carefully executed superannuation strategy requires a specific lending arrangement.

We offer you:

  • A clear understanding of this specialised and highly regulated form of lending.
  • Our capacity to work closely with your accountant, financial advisor, and/or solicitor.
  • End to end service from initial assessment through to loan approval and property settlement.

Purchasing property through a self-managed superannuation fund requires a lot of checking and ticking of boxes, to ensure that your arrangements are fully compliant with the rules around SMSFs. Even when you are compliant, you need to be aware of some of the potential issues that could arise should your circumstances change.

Whether your SMSF is looking to purchase residential or commercial property, understanding and taking into account the tax implications – which do change over the life of the investment – is very important. That’s why eZee Mortgages works with your accountant, financial advisor, and/or solicitor so that there are no unpleasant surprises … for any of us!

As with all of our work, only after we fully appreciate your unique circumstances and requirements do we identify and recommend a short-list of suitable loans. Then we help you choose one and look after the paperwork and process to get that in place for you.