Fast, professional service and we share our commission with you

It doesn’t matter if you are in Brisbane Brisbane_river2CBD, Bray Park, the Sunny Coast, Ipswich or the Gold Coast or anywhere in south east Queensland for that matter. We have over 25 lenders  to choose from and we can have your home loan application in progress today.  What’s more since the lenders pay us a commission  our service is not only free to you but  we share that commission back with you.

First home buyers and Mum & Dad buyers are often considering house & land deals being offered widely.  We urge caution with this as often the prices have taken the $15,000 incentives into account and so the prices are inflated.  This can be very important when the valuer looks at the proposal and doesn’t agree that the price you are paying is what the market thinks.  This has become quiet and issue especially if your dream home has a lot of add ons such as solar or swimming pool.  Another issue is delayed land release – we have countless loan approvals expiring or at risk of expiring due to delayed land title registration.   Get advice from a good broker so that you understand the risks… we don’t have any association with property developers or estate agents.

The property price boom in Sydney and Melbourne is forcing investors to now look  for greener pastures and Brisbane’s rental yields are one of the best of all the capitals. Property values in Brisbane are estimated to rise by 15% to 17% over the next 3 years. The latest figures show Brisbane median house value is $5257,000 with around 6.0% annual growth rate expected (RP Data). However property research expert Louis Christopher warns investors to be very wary of Gold Coast off the plan investments and of a possible over supply in the market as investors vie to move slow growth stock that they have held through the slump.

Property within 10 kms of the CBD – although maybe not the inner city – is looking very attractive for investors with excellent returns. Not surprisingly the fall in values over past years especially in southern suburbs really pushes rental yields up to near the best available in Australia so the Logan area could see some serious investor activity. On the north west side Kelvin Grove, Newmarket to Everton Park is tipped to take off while first home buyers are forced a bit further  with significant new developments in Warner and Bray Park. Basically anywhere within a few kms of the railway will be heating up.

Maybe it’s time to think about a refinance hard to beat Heritage Bank’s 4.08% basic variable loan although any refinance should consider a fixed rate home loan – there are some very attractive one to three year fixed rates available  –  why not think about splitting your home loan into part fixed and part variable. We have some great fixed rate products with flexible features and some very competitive variable rate loans.

Let us look into your options, there is some real competition for your business so why not check with us to see how much better you could be doing.

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