Pollux Financial

Our Canberra team is based in Griffith. Mortgage broker Paul Wojtaszak works with client services manager Carrie Yang and marketing manager Janette Wojtaszak on local property finance enquiries.

We discuss the deposit, household income, expenses and repayment plans before comparing home loans. Lender rules, property valuations and contract deadlines are also part of the process.

We help first home buyers understand deposits, purchase costs, documentation and the steps to settlement. Relevant government support remains subject to specific eligibility rules.

Investment borrowing involves expected rent, existing debts, holding costs and future plans. We discuss loan terms and how repayments may affect an investment portfolio.

We review existing mortgages, remaining terms and potential switching costs before comparing refinancing options. A lower quoted rate is not the only factor in the decision.

For construction loans, we discuss land, building contracts, project budgets and progressive payments. Lender valuations and document requirements may change during construction.

Commercial loans require a clear purpose, borrower structure and financial records. We discuss lender requirements, security and repayment terms with business owners.

We welcome discussions before a purchase, construction project or refinance. We explain lender records and loan conditions, while helping clients understand repayment responsibilities and application steps.