Objective Wealth

We are Objective Wealth, a Canberra mortgage broking team based at Curtin Place. Director and mortgage specialist Craig Dadds works with colleagues to help home buyers, investors and business owners review finance options.

For a home loan, we review deposits, income, existing commitments and expenses. We explain repayment terms, account features and lender rules, rather than focusing only on an advertised interest rate.

First home buyers need to consider deposits, buying costs, documents and settlement dates. We explain relevant assistance conditions and the distinction between pre-approval and a final lending decision.

Investment property borrowing involves expected rent, holding costs and existing mortgages. We discuss how repayment arrangements can affect cash flow, current borrowing and future purchases.

When refinancing, we review the existing loan, repayment features and possible switching fees. We explain valuation, application and settlement steps before discussing whether alternative terms are suitable.

Construction borrowing involves building contracts, progress payments, budgets and valuations. We explain documentation and lender assessment during construction as well as repayment arrangements.

We help explain borrowing assessments, loan comparisons and application documents. Clients can return when their circumstances change, and lender approval always depends on their individual financial position.