T here are a number of products on the market and it is important that you find a
solution that best suits your needs and serviceability. We pride ourselves on our ability
to get your loans settled! We have extensive experience in all things lending, including:
Beaulife takes a holistic approach to your superannuation, specialising in personal superannuation,
as well as salary sacrifice and transition to retirement strategies.
First Home Buyer A home buyer can obtain financing (a loan) either to purchase
or secure against the property from a financial institution via a finance broker
(that’s what we do!). Features of mortgage loans such as the size of the loan,
maturity of the loan, interest rate, method of paying off the loan and other
characteristics can vary considerably. It’s always best to speak with a mortgage
broking professional to determine the loan that is right for you.
Investment Loans Investment Loans Investment loans are structured in a specific
way that allows you to make the most of your assets! An investment plan is one
that works toward building your wealth and securing your financial freedom. For
some, the future may seem a long way off, but the time to act is now because
the future waits for no one. The housing market is generally a seven to ten year
cycle; there are always highs, lows and steady patches.
Standard Variable & Fixed Rate Loans The variable rate loan offers more
features and flexibility than the basic or “no frills” loan, so the rate is usually
slightly higher. Fixed rate loans are set at a fixed rate for a specified period,
usually one to five years. The advantage of allowing you to organise your finances
and repayments without the risk of rising interest rates is offset by the disadvantage
of not benefiting from a drop in rates.
SMSF Loans A loan to a Self-Managed Super Fund in order to assist with the
acquisition of an eligible income producing property. The money borrowed is applied
to the purchase of an asset. You will need financial advice about the structure
and implications of this particular loan set up. We will work together with your
accountant and solicitor to ensure.