Our Mortgage Brokers are specialised in making your borrowing experience as simple as possible. Through professional advice backed by 25 years of experience we can help you every step of the way.
We have access to over 30 lenders so our clients benefit from our ability to provide not only low rates, but to transact quickly at a time when applications are becoming more and more difficult. Whether you’re a first home buyer, refinancing an existing property, or borrowing to invest, we ensure a smooth and supported journey through one of the most important financial transaction of your life.
Our expertise include:
Borrowing to purchase a property
- Home Loans for First Home Buyers
- Self Employed borrowers
- Property investors
It is imperative to structure your home loan in a way that best suits your needs for now and in the future. Therefore, our lending specialists will work with you to develop a plan to assist you to:
- Pay off your home loan sooner
- Minimise your tax
- Create long term wealth.
Refinance and debt consolidation
We should always be reviewing whether or not our existing home loan best suits our current and future needs.
Over one third of home loans nationally are for people refinancing their existing loans to a new lender to get access to better rates, more favourable terms or to access equity to invest or renovate.
GM Capital Solutions will give you the right advice when deciding whether switching banks is the right thing for you or help you renegotiate the loan with your current provider.
Our Mortgage Brokers will assess your current circumstances, discuss your needs, advise which lenders are most appropriate for you and then guide you during the whole process by being with you every step of the way.
It may be cheaper for you to consolidate all you debts with your home loan, enabling you to pay off your debts quicker as well as reducing your overall financial commitments. A careful analysis of your finances can determine whether refinancing is recommended in your case.
There are many reasons why you should switch or consolidate debt into one easy-to-manage loan. These include:
- Simplicity of one easy to manage repayment of your loan
- Reduce monthly repayments and lower the overall interest that you are paying
- Close other loan facilities such as credit cards, store cards or personal loans which may be at high interest rates
We have the added benefit of having a larger bargaining power with banks to ensure that we can negotiate special deals on your behalf.
GM Capital Solutions can assist customers who wish to invest in residential or commercial properties through their Self-Managed Super Fund. You will need to need to seek independent financial and legal advice before committing to an SMSF purchase.
Purchase Of Investment Property
SMSFs can use borrowed monies to assist in purchasing or refinancing an investment property within the super fund. The property must be held in trust for the SMSF until the loan is repaid. Rental income can be used to demonstrate serviceability and repay the loan.
Security of a Limited Recourse Loan
Rights of recovery against the SMSF are limited to the secured property. All other assets held in the SMSF are protected.
Potential Gearing Benefits
It may be possible to claim the interest paid on the loan and expenses as deductions against rental income for tax purposes.
Our Mortgage Brokers are also able to assist with:
- Lending to Non Residents and borrowers with foreign income
- Leasing and equipment loans
- Personal Loans