Services

There are a number of products on the market and it is important that you find a solution that best suits your needs and serviceability.

At Surf2Summit Mortgage Centre, we pride ourselves on our ability to get your loans settled! There are various types of home loans, all offering different rates and features. Always check the terms of your loan.We have extensive experience in all things lending, including:

First Home Buyer

01A home buyer can obtain financing (a loan) either to purchase or secure against the property from a financial institution via a mortgage 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

09Investment loans are structured in a specific way that allows you to make the most of your assets! An investment plan is one that works towards 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.

Commercial Loans

07Due to expensive upfront costs and regulation related hurdles, smaller businesses do not typically have direct access to the debt and equity markets for financing purposes. Therefore, they must rely on financial institutions to meet their financing needs. Commercial Loans are renewable loans used to finance a company’s immediate working capital needs. These can be large or small scale and usually operate short-term.

Standard variable & fixed rate loans

05The 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.

Honeymoon Loans

04A loan with lower repayments for the first six to twelve months. After the ‘honeymoon’ the loan becomes a standard variable loan and the repayments increase. Make sure that you can meet the higher repayments for the remainder of the loan. You could also be faced with a fee at the end of the honeymoon period to switch to another loan type.

SMSF Lending

Screen Shot 2013-10-24 at 11.19.45 AMWe can organise a loan for your Self Managed Super Fund to purchase a property, either residential or commercial.
Ask us how!

Insurance

02Dean Denaro, our Financial Planner ADV DIP (FP) can help you secure your loan and financial freedom by offering risk and life insurance.

Refinancing

Screen Shot 2013-10-24 at 11.18.32 AMHave our specialist compare your current Home Loan to our range of products from over 20 different lenders.  You may be eligible to consolidate all those other debts onto your Home Loan.  Enquire today!

Bridging Loans

13A bridging loan may be necessary to cover the financial gap when buying one property before the existing one is sold. This finance is generally secured against your property as you are utilising the equity in your existing property. Usually, bridging loans are short term and more expensive than other types of loans.

We also specialise in helping out first home buyers, loans for those of you who have employment that is out of the ordinary and have great knowledge in company, trusts and SMSF mortgages.

Our role as your mortgage specialist is to provide you with comparison of various loan options from a panel of lenders, and assist you with choosing the right loan for your circumstances.

Please call us on the details below and one of our mortgage brokers will contact you to discuss your eligibility for a home loan.

The advice provided is general advice only as in preparing it we did not take into account your lending objectives, financial situation or particular needs. Before making a decision on the basis of this advice, you should consider how appropriate the advice is to your particular lending needs and objectives.