Mortgages

First Home Buyers

As a first-time buyer, you’re bound to have a lot of questions.

How much can I borrow?
What’s the ideal loan amount?
How much of a deposit do I need?

We’re here to help. At Mortgage Life, we’ve been through the first home buying journey countless times. From our first meeting until you pick up the keys, we’ll be by your side every step of the way.

Our team are dedicated to ensuring you understand every aspect of the buying process. From our very first no-obligation chat we will discuss your goals and put your mind at ease.

We’ll then give you an estimate of your borrowing capacity, so why wait?

Refinancing

With interest rates moving all the time, it’s always good to make sure you’re getting the best deal.

Here are a few reasons why refinancing might be right for you:

Lowering your rate: Comparing the market for a lower interest rate can help reduce monthly repayments, saving money and improving cash flow.
Restructuring loans: We can help you restructure loans to pay off your debts faster.
Debt consolidation: Consolidating personal loans, car loans, and credit card debt can help reduce interest and clear debt faster.
Unlocking equity: Use the equity in your property to purchase investments, fund renovations, or free up extra cash.

Ready to take the first step?

Property Investment

Thinking about investing in your first, second, or third property?

We understand that investing in property requires a different approach, especially when it comes to obtaining finance. Here are some key points to consider:

Larger Deposit: Lenders often require a larger deposit for investment properties compared to standard home loans.
Higher Interest Rates: Investment property loans can come with higher interest rates.
Using Equity: Can you use the equity in your existing property to purchase a new investment property?
Loan Structure: What’s the best loan structure for your investment property portfolio.
Tax: Understanding the tax implications of purchasing, holding, and selling an investment property is crucial.

Working with the right people – Investing in property can be rewarding, but it’s not without risks. That’s why it’s important to work with a professionals who can provide tailored advice.

Ready to get started?

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