Property Finance

Property finance is one of our core offerings. Intelligent Finance is regarded as a leader and innovator in the mortgage broking industry.

We deal with over 40 lenders, giving you access to over 400 loan products all under one roof, so you can be sure that the solution that suits you best can be found.

Having Intelligent Finance in your corner to guide you in your choice and facilitate the entire loan and property buying process will save you time, money and stress.

Our Property Finance Services:

Home Loans: Buying your home is possibly the biggest expense you will incur in your life. This is why you need a market leading professional to guide you through the process.

Investment Loans: Of all the things to consider when borrowing to invest, it is the structure that is the most important. With the wrong loan or ownership structure in place, it is possible to end up losing a lot of money by paying too much in interest and not getting all the tax deductions that may be available to you.

Refinancing Loans: The finance market has changed dramatically over recent months, let alone the past few years. Your current loan may have been the optimum solution and lowest interest rate for you when you originally set it up, however newer options have recently come on the market.

Low Document Loans: Low document loans are popular with many self employed people who either do not have tax returns completed at the time they need finance, or their historical income does not give a true reflection of their current income.

Off the Plan Purchase: Before lending money to a developer for the construction of an apartment block (for example), the lenders normally require the developer to have sold a certain percentage of the properties to future buyers. When you buy one of these properties, you are “buying off the plan”.

Deposit Bonds: Being able to move quickly to secure a property can save you thousands of dollars on the purchase price. Whether you are “buying off the plan” or if you do not have 5% or 10% of the new purchase price in cash available to pay a deposit on a property, we can arrange a deposit bond for you.

Construction Loans: If you are planning to build or renovate a property, a construction loan enables you to pay your builder in instalments as the building progresses. The lending institution may lend up to 100% of the building costs once they are happy with the future value of the property and your ability to service the new loan.

First Home Buyers: The Intelligent Finance team completely understands the nerves and questions that you may have as a first home buyer. We were once first home buyers ourselves. We are very well known in the industry for taking the time to explain each step, and we can guide you through the whole finance and property purchase process.

Pre-approvals: Obtaining finance pre-approval is the most important thing to do before you go shopping for your new property. Just like you don’t go to the supermarket without checking you have your wallet, it can be a waste of time to go looking at properties if you do not know whether or not you can get the finance.

We're here to help.

Contact the team at Intelligent Finance who can provide friendly guidance and professional advice in relation to all aspects of property finance.

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