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Home Buyers

Looking to upgrade or downsize?

Looking to upgrade the family home or downsize for retirement?

There’s often a lot to think about.

  • Do I need to sell my existing home first?
  • How do I align the sale of my existing home and the purchase of my new one?
  • Is bridging finance required to ensure I have a deposit for my new home?
  • What costs are involved in selling and buying?
  • Can I keep my existing home as an investment property?
  • What are the financial implications of my move?

We’re here to help

SFP have been assisting clients with strategic debt advice for over 20 years. Our unique difference is in our wealth of knowledge from both a mortgage broking and financial advice perspective. We’re able to assist with obtaining finance and ensure you receive the correct financial advice to make the right financial decisions in your next big move.

Choosing the right loan

With 1000’s of home loan products available in Australia, it can be difficult to find the right lender and loan for your needs. Our specialist finance team works with a panel of over 30 different lenders including big banks, credit unions and non-branch lenders to ensure we find the right home loan for your individual needs.

Don’t forget the buying & selling costs

There’s a lot to think about when moving home and it’s easy to forget the costs involved in the selling and buying process. Before putting your home up for sale or placing a deposit on a new home, it’s important to assess all the costs to ensure a smooth transition into your new home. Below are some of the costs to consider;

  • Stamp Duty
  • Lenders Mortgage Insurance
  • Real estate agent fees
  • Legal fees
  • Building & Pest Inspection
  • Home and Contents Insurance
  • Property Valuations
  • Moving Costs

Buying An Investment Property

Looking to buy your first, second or third investment property?

Property investment in Australian continues to be a popular way to build wealth over the long term but care needs to be taken when investing in property and obtaining finance for your investment property purchased.

Lenders treat investment property loan differently to standard home loans which means a different approach needs to be taken. When looking to finance an investment property, the below points need to be considered;

  • Lenders often require a larger deposit for investment property purchase.
  • Lenders can have a higher interest rate on investment loans.
  • Can I use the equity in my existing property to purchase the new investment property?
  • The correct loan structure when looking at my investment property portfolio as a whole?
  • What are the tax implications of purchasing, holding and selling an investment property?

Working with the right people

Investing in property can help building wealth and generate income but property investment isn’t without its risks. It’s important to work with professionals to ensure you’re receive the right advice for your individual needs.

Our specialist finance team works with a panel of professionals such as accountants, solicitors and in-house financial advisers to ensure you receive the right advice. If you’re already working with one or all of the above, we’ll work with them to get the best outcomes for your needs.

We offer an obligation free appointment where we can openly discuss what you’re looking to achieve. We’ll be able to provide you with investment property loan options and answer any questions along the way. We look forward to meeting you soon.

Refinancing Your Home Loan

Is refinancing right for you?

If you haven’t reviewed your current home loan lately, chances are you might be paying too much. Interest rates are at an all-time low in Australian, so there’s never been a better time to compare the market and ensure you’re getting the best deal.

Reasons for refinancing

SFP’s home loan specialists can assist with all your refinance needs, including;

  • Comparing the market for a lower rate. A lower rate can lower your monthly repayments, saving you money and increasing cashflow.
  • Restructuring your home and investment loans to pay down debts sooner and minimise tax.
  • Debt consolidation of personal loans, car loans and credit cards to reduce interest paid and clear debts faster.
  • Unlock equity in your current property to purchase an investment property, fund renovations or free up extra money for further investment.

Making the first step

We offer an obligation free appointment where we can openly discuss what you’re looking to achieve and put your mind at easy. We’ll be able to provide you with refinance options and answer any questions along the way.

We look forward to meeting you soon.