First Home Buyers

A finance broker can be a very useful partner for a first home buyer. For most people, buying a property is the biggest investment they will make in their lives. We understand that selecting a suitable home loan or other mortgage product in Australia’s increasingly complex market is an important, though not always easy, decision. That’s why we strive to get the right home loan product at the best rate for every client, and provide a stress free transaction by making sure the loan application process is monitored right through to settlement and beyond.

Your Vie Financial broker will assess your financial situation as part of a needs analysis, and match your requirements to a wide range of loans from banks and other financial institutions, provide you with advice to enable you to make an informed decision from the selection, complete your application and manage the process right through to settlement.

Parental Guarantee Home loans

Statistically, almost 50% of first home buyers get financial help from their parents or family to assist with the purchase of their first home, normally as an informal loan or gift. A Parental Guarantee Home Loan enables a family member to use equity from their own home as additional security for a portion of the applicant’s loan amount.

This solution reduces the loan to value ratio of the application, allowing significant savings by reducing or even avoiding the need to pay lender’s mortgage insurance. It may also enable the ability to borrow the total purchase price plus costs, avoiding the need to save a deposit (subject to lending criteria). This strategy can be used when buying established dwellings or for the construction of new properties, and is not restricted to first home buyers.

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New Property Purchase

Buying a property is a serious investment – hence why it’s important to do your research to find out which home loan is right for you. Rather than overwhelming you with information, your Vie Financial broker will work through the different types of loans, features and options available – helping you compare and assisting you choose the most suitable loan.

From our panel of over 40 lenders we can offer you a level of choice that goes far beyond the big four banks.

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Building & Construction

If you are thinking of building your own home, you will need to be familiar with the ins and outs of construction loans. Construction loans are not as straightforward as standard home loans. There are additional decisions to be made about the structure of the loan, there is additional documentation that is required and the funding is released in an entirely different way.

Your Vie Financial broker can guide you through the entire process of funding the build of your dream home and make what can be an incredibly daunting process a pleasantly enjoyable one.

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Refinance & Debt Consolidation

Debt consolidation is the process of rolling (or “consolidating”) a number of different debts into a single loan, often with a lower overall interest rate. It can be a useful option if you’re juggling multiple debts like a personal loan, a car loan and perhaps a few credit card balances. By consolidating your debts you may only have to make one monthly repayment instead of several and you may only be dealing with one lender and one set of loan statements.

The biggest advantage of debt consolidation is the potential for big savings on your monthly repayments and overall interest charges. Many people choose to use their home loan for debt consolidation because it offers a very low interest rate but there are several other options including a personal loan or credit card balance transfer.

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Non-conforming Loan Options

Loans in arrears, no taxable proof of income, poor credit history, defaults on existing or past loans and debts? A Non-Conforming loan could be the solution. Vie Financial brokers are all highly experienced professionals in Non-Conforming Loans and are committed to assisting you in whatever capacity your circumstances require.

Whether you are looking to refinance and consolidate all your outstanding debt, taking into consideration that you may have loans in arrears, no taxable proof of income, poor credit history, defaults on existing or past loans and debts, at Vie Financial we do not believe in a ‘too hard basket’ and will work tirelessly to find the most suitable solution for our clients.

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