Multi-Choice Home Loans

Our Stafford team works with first-home buyers, homeowners, investors and clients arranging construction finance or refinancing. We discuss each client's financing purpose and lender requirements before preparing a formal application.

For a first property purchase, we explain deposits, associated transaction costs, income records and the lender's assessment process. A borrowing estimate still needs to be supported by complete evidence.

We compare more than a headline interest rate. Repayment flexibility, fixed or variable structures, offset arrangements, loan duration and potential switching costs can all affect the suitability of a mortgage.

For property investors, we discuss expected rental income, holding expenses, current liabilities and plans for additional purchases. Credit policies can differ across institutions and property types.

When reviewing an existing mortgage, we examine its outstanding balance, term, repayment features and potential refinancing costs. Staying with the present lender may be considered alongside new products.

Construction finance can involve building contracts, progress payments, budgets and lender valuation requirements. Changes to the construction schedule may affect the documents and funding process.