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HOME LOANS

BUYING YOUR FIRST HOME

Buying your first property is pretty daunting - after all, it's one of life’s biggest investments. With the ever increasing prices of Australian property, you’ll want to ensure you can secure the best property available to your circumstances. Our team are always up to date on State and Federal Government benefits that may apply to First Home Buyers, in addition to keeping on the forefront of any special offers lender’s provide. Your first home may be closer thank you think!


SELF EMPLOYED HOME LOANS

At Universal Finance, securing home and investment loans for business owners is our bread and butter. As every lender assesses your business income in a specific way, it is near impossible for a customer to know whether they are getting the best deal. Our team deals with each lender on a regular basis and are across each lender’s policy to ensure our customer’s maximise their lending capabilities. We understand the self-employed and can provide a multitude of lending options for your situation.


BRIDGING LOANS

A bridging loan may be necessary to cover the financial gap when buying one property before your existing one is sold. This finance is secured against the existing property (utilising equity) and the new property being purchased. Usually, bridging loans are short term (normally 6 months) to allow for the sale of the original property and more expensive than other types of loans. There are alternative ways to finance a change from one home to another, so please talk with us to discuss your options.


SENIOR EQUITY FINANCE

Senior Equity Finance or ‘Reverse Mortgages’ allow people from the age of 60 to convert the equity in their property into cash for any worthwhile purpose (E.g. Travel/Holiday costs, Buying a car, Aged care costs, Home improvements and even to assist with day-to-day expenses). No income is required to qualify and no repayments are required until the property transfers ownership (sale or inheritance). We are accredited with multiple lenders that can help you access the equity in your property.

INVESTMENT LOANS

Looking to build your property investment portfolio? The terms and interest cost of your investment loan will have a major impact on the return of your investment, and ultimately your potential to grow further. Our team work to make sure that you optimise your finance today to help you build for the future.

REFINANCE & CASH-OUT

At Universal Finance we provide an obligation free service to ensure your current Home Loan is the best deal for you. If our assessment shows that there is a better offer in the market (E.g. a lower rate and/or better terms), we take care of all the paper work of the application and the best part is, you don’t pay us a cent, the Banks do! Beyond ensuring your home loan provides the best terms at the lowest rate, we can also assist you in utilising the equity in your property to achieve your goals. Whether you would like to renovate/build your home, invest in other asset classes (eg. Shares) or purchase an additional property, we can refinance you to a lender that provides the best offer for your situation.

CONSTRUCTION & RENOVATION LOANS

If you’re looking to build or renovate your dream home, there are several paths to structure your finance, which means you need a lending specialist to assist you in choosing the correct one. Our construction and renovation finance specialists can assist you in not only securing the funds required to complete the work, but, also ensuring that it is as simple and painless as possible throughout the process.

LOW-DOC LOANS

While most lenders require a laundry list of financial documents to approve a loan, we understand that being able to provide current financials statement is not always the case for the self-employed. The good news is that if you run your own business it can still be possible to buy a home using a low doc loan. We have assisted thousands of self-employed customers in obtaining finance, with many of those utilising the low-doc option. Call today to find out more!

CAR FINANCE

Looking for a new car to buy? Want an excellent car loan suited for you? Our resident asset finance specialist, Peter George, is here to help. Just a short chat with Peter will provide you with an understanding of how you can finance these purchases. Call today!

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