MORTGAGE
LENDING
Own Your Dream Home Or Next Investment Property
Whether you’re buying your first home, looking for a new investment property or thinking about refinancing an existing loan, there’s lots of stress and complications involved in mortgages and financing. That’s where we come in. Every Mortgage Solution can help you with all your Mortgage Lending needs so that you can enjoy the fun and excitement of purchasing a home and creating wealth though Property Investment.
TAILORED HOME LOAN SOLUTIONS
When it comes to finding a mortgage, the possibilities are endless. However, being overwhelmed by choice doesn’t mean you should take whatever is offered to you first. With access to 25 lenders, including the big 4 banks, non-banks and non-conforming lenders, we can help find a mortgage that is right for you.
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Our experience is second to none.
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Every Mortgage Solution has been helping everyday Australians realise their property dreams by providing great access to home loans, construction loans, property investment loans, low-doc & non-conforming loans and much more.
Contact us today for information about the different types of home loans and we'll be happy to explain the many options available and help you find one that suits your needs and preferences.
FIRST HOME BUYERS
Start Your Property Journey With Every Mortgage Solution
PROFESSIONAL ADVICE FOR FIRST HOME BUYERS
We'll Guide You Through The Process
Purchasing your first home is exciting but arranging the finances for the purchase can be a little overwhelming. The highly experienced consultants at Every Mortgage Solution can take the stress out of the process of loan hunting by doing all the legwork for you. We'll give you access to many great home loan deals to more than 25 lenders, including the big 4 banks, and find you a deal to suit your personal circumstances and requirements.
Our consultants will guide you through the entire loan process by explaining the many types of home loan options available and explaining the Government Grants and Concessions that you may be eligible to receive. We’ll also provide you with strategies that could save you thousands on Stamp Duty.
Get in touch with us today to find out more about how we can help you start your exciting journey in to property ownership.
FIRST HOME BUYER GOVERNMENT GRANTS AND CONCESSIONS
Are You Eligible For AÂ First Home Buyers Grant Or Concession?
The good news for First Home Buyer is that you may be eligible to receive a one-off grant or duty concession to assist with the purchase of your new home. Eligibility criteria, the amount and type of grant and concession will vary and depend on the state or territory you are buying the home in.
A First Home Owner Grant scheme was introduced by the Australian Government on 1 July 2000 to offset the effect of the GST on home ownership. The First Home Owner Grant scheme is a national scheme that is funded by the states and territories and administered under their own legislation.
Whilst all states and territories are offering First Home Owner Grants, only some states will be providing concessions and exemptions on stamp duty for first home buyers. As with the Grants, the amount of the concession and eligibility criteria will vary state by state.
To find out more, call us today to arrange a chat with one of our experienced consultants.
STAMP DUTY SAVINGS
Ways to Save on Stamp Duty
Whether you are eligible for a First Home Owner Grant / Concession or not, there may be other ways for you to save on stamp duty with the most common method being on the purchase of a House & Land Package.
On the purchase of a split contract house & land package, you'd normally only pay stamp duty on the land component and not on the full contract price as you would when purchasing an existing or established home. This could save you thousands of dollars and, if eligible for the First Home Buyers Grant, help get you in to your Dream Home sooner.
For more information about stamp duty savings, get in touch with us today.
PURCHASING YOUR NEXT HOME
Moving, Upgrading or Downsizing?
TAKING THE NEXT STEP
Are you looking for your next dream home?
Buying or building your next home can be an exciting time as it is usually associated with an equally exciting life changing event. Whether you're upgrading to accommodate a growing family, downsizing to enjoy the next stage of your life or just looking for change of scenery, Every Mortgage Solution can help get you the right loan.
When deciding to purchase your next home, there are a number of things to consider.
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What to do with your current home: Will you sell before you buy your next home, buy before you sell or are you thinking about retaining your home as a rental property?
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What you are looking for in your next home: Do you want to purchase an established property, buy a new home off-the plan or are you considering building you next home?
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How much you will be able to afford and borrow: Based on your current financial circumstances and the type of home you're looking for, the next point to consider is what your borrowing capacity will be. The cost of the home and other costs such as legal / conveyancing fees, Lenders Mortgage Insurance and Stamp Duty will also need to be considered when establishing borrowing capacity and affordability.
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Our experienced consultants will walk you through the many home loan options available so that you can make an informed decision to help get you started on the next exciting chapter of your life. We'll also discuss the available Grants and Concessions that you may be eligible for and provide you with strategies that could save you thousands on Stamp Duty and get you in to your new home sooner.
CONCESSIONS & DUTY SAVINGS
Ways to Save on Stamp Duty
Some governments around the country are providing stamp duty concessions on the purchase of off-the-plan apartments.
For example, the South Australian Government is offering eligible purchasers a partial concession of stamp duty on apartments purchased up to the 30th June 2018 (capped at stamp duty payable on a $500, 000 apartment). The amount of the concession will vary depending on the stage of completion of the development. The full concession will be provided on off-the-plan purchases where construction has not yet commenced and reduces after each stage of completion.
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Another way of saving on stamp duty could be on the purchase of a House & Land Package. On the purchase of a split contract house & land package, you'd normally only pay stamp duty on the land component and not on the full contract price as you would when purchasing an existing or established home.
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For more information about stamp duty savings, get in touch with us today.
PRE-CONSTRUCTION GRANT FOR OFF-THE-PLAN APARTMENT PURCHASERS
New Grant Announced in South Australia
If you're considering purchasing an apartment in South Australia, you may be eligible for a ‘$10,000 Pre-Construction Grant for Off-the-Plan Apartment Purchasers’.
The SA Government has recently announced the new $10,000 Pre-Construction Grant for Off-the-Plan Apartments for Purchasers who enter into an eligible off-the-plan apartment contract between 22 June 2017 and 30 September 2017. The grant will be paid after settlement (generally around the time the stamp duty is paid by the purchaser).
Get in touch with us today if you'd like to know more.
REFINANCING
Looking To Refinance or Consolidate Debt?
WHAT IS REFINANCING?
Your Questions Answered?
Refinancing is when a borrower takes out a new mortgage to payout and replace an original or existing loan.
WHY DO PEOPLE CHOOSE TO REFINANCE THEIR LOANS?
Learn about the Benefits of Refinancing
There are a number of reasons why borrowers may choose to refinance an existing loan, including the following:
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Circumstances change and an existing loan may not be meeting the borrowers current needs.
To take advantage of a lower interest rate, and reduce monthly repayments.
To access some built up equity in their home to use for other purposes such as renovations or to purchase an investment property.
To consolidate debt from high interest debt, such as credit cards and personal loans, into one lower rate loan.
To access additional features from a new loan, like flexible repayments & redraw facilities, that they may not have with their existing loan.
IS REFINANCING RIGHT FOR EVERYONE?
Should you Refinance?
If refinancing means saving money on interest or to benefit from one or more of the reasons mentioned above, then refinancing could be right for you. However, your existing loan could still be suiting you current circumstances and requirements so refinancing may not be the best option.
If you'd like to find out if refinancing is right for you, contact Every Mortgage Solution today. One of our experienced consultants will perform a free, no obligation Home Loan Review to help determine whether your existing loan is still meeting your current needs or if you could benefit by accessing other options.
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​Please get in touch with an Every Mortgage Solution's Broker today if you'd like more information on whether Refinancing is right for you.
PROPERTY INVESTMENT
Create Wealth Through Property
INVESTING IN PROPERTY?
Creating Wealth for the Future
Property Investment continues to be a popular strategy amongst Australians to help them create wealth for their future and whilst we all have different dreams and goals for our retirement years, the one thing that we all have in common is that we want to be financially free to live the life we want in those years we've all worked so hard to get to.
At Every Mortgage Solution, we're property investors ourselves and can provide you with all of the right information that you need to know to help you start or grow your property portfolio. ​
With access to a variety of lenders, including themajor banks banks, and many great investment loan options, we'll be sure to find you a loan suited to your needs from our extensive panel of lenders
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By tailoring an effective financing strategy to suit your specific requirements and personal circumstances, we'll help you achieve your property investment goals and give you the end to end support you require. Our process is simple and straightforward, our consultants will:
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Discuss with you your investment goals and understand your long-term plans and objectives,
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Determine your borrowing and investment capacity,
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Provide you with personalised guidance and direction regarding a variety of investment loan options to that you can make the right choice with your investment loan, and
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Discuss the latest investment strategies to help with your continued wealth creation and financial freedom.
Call us today to arrange a chat with one of our experienced consultants who'll provide you with the right information and empower you with the knowledge and resources you need to start, or grow, your property investment portfolio.