Options are the key when choosing a lender or loan that is right for your residential financing needs.  At Pacific Finance we don’t sell our own home loans; we choose from a diverse product range offered by our panel of lenders

With so many readily available choices, it can be overwhelming and confusing choosing the right financing package for your requirements.  Our objective is to save you time and money by sourcing the loan that meets your needs. We will make the process timely, cost effective and hassle free.

From “full doc” to “no doc” loans we will take you through every step of the process from approval to settlement.

WHICH LOAN IS RIGHT FOR YOU?

Property Investing

Accumulating wealth through investing in residential property is the preferred choice for many of our clients.  We work closely with our clients, and typically their tax advisers, to structure the most effective and efficient loan facilities to acquire and hold property.  We source finance for both first time investors and experienced investors with multiple properties.

For first time investors we can use the equity in your property to get you started. You should always speak to your tax adviser about the implications of investing in property.  As a starter you should know about negative gearing, capital gains tax, GST and how best to structure the ownership of the property

First Home Buyers

Buying your first home is a big financial commitment; understanding your obligations now and in the future is extremely important.  The professionals at Pacific Finance can assist by explain how much you can borrow, how the First Home Owners Grant applies and what your repayments will be in the future.

Refinancing and Debt Consolidation

Interest rates change, products change and your own financial circumstances change so why stay with the same home loan.  The professionals at Pacific Finance are only too pleased to review, at no cost, your current situation and if appropriate recommend a strategy which in the long run will save you money.

Upgrading Your Home, Renovations and Extensions

If you find your dream home or alternatively you have decided to stay put and extend or renovate your property then the time is right to review your current home loan.  It may be as simple as extending your current facility or if there are benefits to refinancing then this can be done at the same time.

Impaired Credit

If in the past you have had some financial problems and these are reflected on your public credit record then applying for a residential mortgage can be troublesome.  We have a number of lenders on our panel who specialise in impaired credit and depending on your credit history (i.e., how long ago was the dispute, what was the nature of the dispute, how many disputes are listed and have the disputes been cleared) they will be pleased to provide you with the finance you need.