Our Loans
Situations where Wide Bay Home Loans can assist as your broker :
Purchasing
Wanting to buy a house or investment? With access to a literal crap-tonne of lenders, we’ll provide you with a list of several of your best options, helping compare interest rates, fess, deposit requirements, and find the best-suited loan for their specific purchase needs. We’ll let you know how much deposit you’ll need & what you can afford within minutes. You’ll have the doped house in the street OR investment properties that will make your colleagues at work sick.
Ready to pull the trigger & buy that house of your dreams?
Refinancing
Refinancing essentially involves replacing an existing loan with a new one, typically with better terms, interest rates, or access to equity. We help our clients save as much money as possible and aim to take years off repaying any mortgage by comparing any current loan to better options out there. We identify and assess potential savings with any refinance, and then ensure settlement occurs pronto!
Your money is better off in your pocket, not the banks!
Debt Consolidation
We can combine multiple debts, such as payday accounts e.g. ZipPay, credit cards, store cards (GEM Visas OR Harvey Norman GO Mastercards… we swear everyone has these!), personal loans, car loans & even home loans that might have previously been split into separate fixed + variable facilities, into one singular loan. This makes things more manageable by reducing your monthly commitments. 9/10 times we can do it with much lower interest rates too. Consolidating debt frees up income that can be spent on other things or paying down total borrowings quicker.
It helps reduce the burden of taking on too much debt and improves your financial situation. Relieve the stress!
First Home Buyers
Trying to get out of the parents place OR the rental cycle? Purchasing a first home can be daunting. We guide first-time homebuyers through the process, explaining any available government grants or schemes, and assist in finding the best options for varying situations including house + land packages OR simply buying an established home. The hardest part is getting into property. Once you’re in, you’re in – We’ll come up with a plan to get you into your first home as quickly as you can!
As Mel Gibson says in Braveheart, “they may take our lives, but they’ll never take our freedom!!”
Investment
Wanting to live like Richie Rich one day & looking at creating wealth? We help investors build their portfolio’s by identifying the sharpest loan products, comparing rental yields, and analysing potential returns on any investment purchase. We’ll come up with a lending strategy that helps & enables you freedom in later years. Having a deposit OR equity in existing property is normally essential. We can structure investment loans in numerous ways to suit a preference OR recommendation be that on the advice of an accountant or individual.
Sooooo many options & ways to set things up!
Building
Wanting to build your dream house, first home, or a couple of units to make some serious casholla? We specialise in lending for new home builds, renovations, or property development projects. We help our clients navigate the complexities of construction financing, including progressive drawdowns and interest-only periods. We’ll help & discuss requirements with your builder, & provide recommendations based on the hundreds of constructions loans we’ve done previously.
There is nothing more rewarding than seeing your ideas, plans & dreams come together + walking in that door to your new home at handover.