Abraham Finance

We are Abraham Finance, a Canberra mortgage broking business based in Belconnen. Founder Abraham Tang works with Lucy Tang and Isaac Tang to assist home buyers, investors and existing mortgage holders.

For home loans, we discuss deposits, income, spending and existing debts. We explain lender policies, account features and repayment options in the context of each household budget.

For first home buyers, we explain deposits, purchase costs, documents and settlement. Assistance schemes have eligibility rules, and pre-approval is not a final lending commitment.

Investment property borrowing involves rent, holding costs, existing loans and future plans. We discuss the effect of repayment structures on cash flow and overall borrowing.

For refinancing, we review current loan terms, product features and switching costs. We explain valuations, lender documentation and the steps needed to move an existing mortgage.

Borrowing capacity depends on income, expenses, debts and lender rules. We discuss affordable repayments and make clear that an early estimate is not loan approval.

Where clients hold several debts, we discuss consolidation and restructuring. Different terms and fees can affect total repayments, so the whole arrangement matters.

We assist with lending paperwork, application questions and settlement steps. Clients can return to review a mortgage as their household or investment plans change.