We have access to all the major mortgage lenders. So whatever your requirements are, be it purchasing a house or land, or building a home either for your own occupation or for investment purposes, we can source and structure a loan to suit you. We also offer a no obligation “Home Loan Health Check” consultation. We can have a look at your current loan to assess whether it still suits your current situation. A wide offering of loan options are available, including: • STANDARD VARIABLE RATE – the loan interest rate rises and falls in line with prevailing market interest rates. • FIXED RATE – the interest rate is fixed for the term of the loan. • ALL IN ONE – allows you to deposit your income and extra savings into your loan account and withdraw available funds for whatever purpose. • INTRODUCTORY RATE – sometimes called a ‘honeymoon’ loan because you benefit from a lower interest rate usually for the first six months to three years. • PROFESSIONAL PACKAGE LOANS – are available to the majority of borrowers. There are many benefits, such as credit card discounts, but the key is being able to obtain a discount for the life of the loan not just a small introductory period. • LINE OF CREDIT - a very flexible type of loan which enables you to use the equity you have in your loan for any worthwhile purpose. Ideal for the disciplined investor. • COMBINATION (‘SPLIT LOAN’) - allows you to divide your loan between two different loan structures; for example, half of your loan can be a fixed rate and the other half a standard variable rate.