We are firm believers that you are able to create wealth from property and investment with properly structured finance.
10 REASONS TO USE US:
1. 80% of rental is taken into account in servicing. Most funders use 75% of gross
One of the main Banks now only accepts 60% of estimated rentals
2. Negative gearing is taken into account. Not all Lenders allow negative gearing
3. Serviceability ratio is 1.0. 1.09 On our construction facility
4. Stressed rate is 2% above the actual interest rate charged to the borrower
5. No Credit scoring
6. We order the valuations with the valuers not just on line
7. We undertake initial credit assessment
8. We issue letter of offers
9. We organise Lenders Mortgage Insurance using a Direct Accreditation
10. We control issue of Mortgages
Remember, do your research on the location, the property and the vendor ( if a developer),
Obtain independant legal advice. Do not sign anything until you do.
5. No credit scoring undertaken
6. We order the valuation and speak with the valuers. We do not just order valuations on line.
We research the comparables if we are concerned as to the valuation.
7. We undertake t
6. We order the valuation and speak with the valuers. We do not just order valuations on line.
We research the comparables if we are concerned as to the valuation.
7. We undertake the initial credit assessment
8. We organise Lenders mortgage insurance direct with a direct accreditation.
9. We issue the Letter of Offer and instruct on mortgage document issue.
10. We understand loan structuring and investment strategies
Unconditional approval is available when, all documents required to assess the loan, the valuation is received and Lenders Mortgage Insurance is approved as this is a securitised loan
are happy to
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