Home loan advice

Financial advisor meeting with young couple

Financial advisor meeting with young couple

A holistic approach is imperative

If you are not getting the best home loan advice then you are not getting the best value. As the saying goes; you don’t know, what you don’t know, until you know it! Too many people make the mistake of believing that structuring their home loan is a simple and straightforward task. Whilst we value simplicity over complexity, it is very important to make certain that you’re getting the best home loan advice to take advantage of all the opportunities available to you. You can’t do this unless you receive professional advice. We identified that many borrowers, specifically investors, did not fully appreciate the financial, taxation and risk consequences of incorrect loan structuring and simply weren’t getting the best or most comprehensive advice.

The role of Australian Home Loan Brokers is to develop a relationship with you so that we can maintain a thorough understanding of your goals thereby ensuring we can provide you with strategic credit advice to ensure those goals are never jeopardised.

We link advice to your goals

We need to help you look beyond and behind the transaction at hand. The reason for this is that the better the understanding we have about your long term plans, the better the advice we’re able to provide you. A full understanding of your situation and needs is imperative. Whilst some people think they know what they need, experience suggests that due to a lack of knowledge, a self-assessment may not always result in a complete and accurate diagnosis. Therefore, it is important that you don’t skip this step.

These are the things we’ll help you with

Once we have a thorough understanding of your situation and established your needs, we can then proceed with developing your credit advice. This credit advice will address many considerations including:

  • The most tax efficient loan structure
  • The best structure to help you with cash flow management
  • Strategies to minimise your risks
  • Where appropriate, develop a longer-term strategy
  • Determine what products are required to meet your needs
  • Research, compare and negotiate with our panel of lenders to achieve the best outcomes
  • If other areas of advice are required we have an established network of trusted advisers where we can refer you where appropriate.

Getting you the best deal

We have relationships with over 20 lenders, including all of the Big 4 lenders in Australia. Typically, our approach involves us initially disregarding any of your existing lending relationships permitting us to develop our advice without any influences or bias. Once we have identified the most appropriate lender(s) for you, we will normally contact some or all of your existing lenders to ascertain if they can match the terms offered by our preferred lender to retain your business. We’ll then be in a position to present this analysis to you, with our recommendation, so you can make an informed decision.

Professional, transparent advice

Our proposal to you will provide comprehensive details, full disclosure of all loan features, costs and charges helping you make an informed decision!