Getting Married? Need a Loan Before or After Your Wedding?
Congratulations from all of us at Origin Finance!
Getting married is one choice in life that leads to many others - and for most people a home comes into the picture. You, or your partner may already own property or you may be looking for your first purchase. Now's the time to think about the best way to build a financial foundation, whether it's the home you choose to live in, or investment properties too.
After all, marriage often brings more family responsibilities too! Whatever you choose, we can help you work out the best choice in the money side of things, simply and efficiently.
Discover more about your options and how our Mortgage Brokers can help you.
Our Consultants are also able to advise on applying for and receiving the Australian Government First Home Buyers Grant. These grants are not simply handed out and there are a number of factors you need to be aware of to ensure you qualify for your grant. Our consultants are fully aware of all aspects and are more than happy to assist you in gaining grant approval.
Even if you're still living at home, you can start with an investment property - to buy a small flat is often a good, affordable first step into a high-priced market, and will usually come with loan repayments that you can manage on a first income.
Whatever your choice, we can help you work through the different types of first job home loans, and to establish your best first mortgage financial options, simply and efficiently. Discover more about how we can help you.
Earning More. Got Extra Money? Renovate or Buy More Property!
Congratulations on the well deserved pay increase!
When you're earning more it's great opportunity to spend the same and start saving. However, money in the bank doesn't pay much interest - especially after tax. So, if you're thinking about investing in your financial future, it's worth remembering that, for many Australians, property is the key to creating wealth for life. You may consider buying your first home now your earning more.
Improving your own home, for example, can be both a sound investment and a way to enhance your lifestyle so contact our mortgage brokers today. Even if you're still living at home, you can start with an investment property - a small unit is often a good, affordable first step into a high-priced market. Whatever you choose, we can help you work out the best choice in the money side of things, simply and efficiently.
Discover more about your options and how we can help you.
Having a Baby? Need to Renovate or Extend to fit Baby?
Having a baby can be a wonderful time - and it can also be a very busy time! It may be that your home doesn't have enough room for an additional family member and you are considering renovating. It may be the time to buy your first home, or to start thinking about your financial future, and for many people property is the key to creating wealth for life.
Whatever you situation, our Mortgage Brokers can help you work out the best choice in the money side of things, simply and efficiently.
Discover more about your options and how we can help you by clicking on the links below or call 1300 30 67 67
Family Equity Home Loans That Open Options
Have the kids left home? Then welcome to the empty nest club! After years of having children at home it's quite a change to be without them. In some ways it's like going back to life before having children, but with a totally different focus on goals and wants and desires.
So, after all this time, here you are looking at finance options after the kids have all moved out. Investigating family equity home loans is a good first move. This is an ideal time to assess your lifestyle and financial goals. Maybe a change of pace or a change of scenery? A city apartment with more time to yourself is the answer for some, while others prefer to stay within the same area and renovate the family home or downsize to a new home. Yet others take hold of the chance to fulfill a lifelong dream to take a long, long holiday around Australia or overseas, or to buy a holiday house or hobby farm.
Whatever you choose, it's your choice and yours alone, and it's all about freedom and lifestyle. At Origin Finance our mortgage brokers can help you work out the best options on the money side of things, simply and efficiently.
We deal with literally hundreds of loans sourced from 30 banks and lending institutions. We also keep our fingers on the pulse of dozens more, so we know what loans are out there - which are the good equity home loans and which are not up to par. Our consultants are located in all major cities across Australia and are happy to come to you to discuss loan options, the amount you'll be able to borrow and interest rates, and to assist you in gaining approval for your application.
To get full information about your various options and the structure of repayments for the range of family equity home loans, contact one of our consultants. It is sad saying even a temporary goodbye to your children, but there may now be a whole new world open to you. Discover more about your options and how we can help you.
Mortgage Refinancing Can Save You Thousands
Are you paying too much for your loan? If you're online searching for information about mortgage refinancing and reading this, chances are better than good that you are paying too much, and that you are looking for a way to decrease your mortgage repayments and put some of that cash back into your own pocket.
It's not uncommon for people to be paying more interest than they need to for their home or investment property loan. Sometimes it's because their circumstances have changed, other times it may be there are much better deals available now than when they first took out their loan.
If you believe this situation applies to you, it's worth checking with us to investigate what options may be on offer. We have consultants in all capital cities and many regional centers around Australia - and - we come to you if that is more convenient, making it easy for you to get expert advice and investigate your options.
It should be remembered though, there may be costs involved in paying out your existing loan and establishing a new one, so all the figures should be carefully checked, and independent advice sought as well, before going ahead with mortgage refinancing.
Multiple Benefits to Securing a Refinancing Loan
Aside from the benefits of securing a reduced interest rate, the ability to put through a home loan refinance can be beneficial in a number of ways. You can access hidden cash by taking out a home equity loan; borrow extra in order to buy an investment property; consolidate outstanding debts and credit card debt with your home loan in order make only one, more easily managed, payment.
You can even refinance to secure approval to purchase a larger house or renovate and improve your existing home. That's right - a home loan mortgage refinance has multiple options and benefits apart from the obvious.
Discover more about your mortgage refinancing options and how we can help you by clicking on the links below. At Origin Finance we give you a range of choice and make the whole process so much easier than you could have imagined.
Equity Home Loans For Times Of Need
Equity home loans are the answer when your income does not match your outflow and is not covered by your savings. You don't need to be a 'big spender' to find yourself having money problems and in a position where you need a quick and relatively easy access to a substantial sum of money.
Emergencies can arise such as illness or accident, a child or a grandchild needing assistance, unexpected loss of work or erratic income, a sudden influx of outgoing expenses, and the list goes on and on. Basically, you're running out of or don't have enough cash and you need assistance.
With the increasing financial pressure we find ourselves under in Australia just for every day expenses, let alone the extras that make life a little more comfortable, it is all too easy to suddenly find you are exceeding your income and have too many debts and payments to be made.
Debt consolidation is one option that enables you to combine all your payments - credit cards, personal loans etcetera - and keep your finger on the pulse of just how much you owe to ensure you don't miss a payment, and to help you manage your monthly cashflow.
If you own your own house or another property, you actually have significant equity tied up in your home or property. If you borrow against this equity you can access financial help at rates than can be much cheaper than running up credit card debt.
Refinancing your loan is another option to bring your cashflow blowout under control. By taking out an equity home loan refinance agreement, you can consolidate all your debts and repayments under the one payment enabling you to pay your debts off faster and save you money in the long-run.
Whatever your choice, Origin Finance have mortgage brokers that can help you work out the best solution to cover your money worries, simply and efficiently. We are happy to advise you on your best options and on how to gain approval to take our financial assistance against your mortgage.
Discover more about equity home loans, reverse mortgages, how to refinance or to consolidate your debts, and how we can help you, by clicking on the links below
Divorce Home Loans That Help Overcome A Difficult Time
Divorce is never easy, is often complicated and comes with a lot of decisions. For many people, it's a time where they have to re-assess their lifestyles and financial goals and make the most of their assets. This can involve buying and selling property, or even one partner buying out the other partner's share in their house.
For this and many other eventualities, Origin Finance offers the option of divorce home loans. Naturally, when a couple are married, over time they accumulate a range of joint possessions, cars, property, investment properties and the family home. These are invariably divided up or sold leaving one or both individuals needing to re-establish their life with the purchase of a new car, home and contents, placing the individual or individuals affected in financial stress.
More often than not, the partner purchasing the marriage home may need to borrow the required amount, and will need to take out a new mortgage. In some settlements, the home may be handed over as part of the settlement. The home may be fully paid for, or may still have repayments outstanding requiring the partner who retains the home to refinancing the home loan, possibly restructuring their debt at the same time to incorporate credit cards and other outstanding debts.
The partner who is leaving the home may then need to buy a new house or apartment and also need to start the process of investigating home loans and gaining approval for a specified loan amount.
No matter how the divorce cards fall, it is usually a stressful and financially difficult time. Sometimes your finance options after divorce are limited, therefore you need to sit down and discuss your options with a trusted financial advisor to format a workable plan that suits you.
If you're looking to take out a new or refinanced loan, the consultants at Origin have handled a range of divorced loans, have expert knowledge of hundreds of types of loans, and can help you work out the best options to suit you.
To discover more information about divorce home loans, or on how we can assist you in making the best choices for your future, click on the links below or contact one of the Origin Finance brokers located across Australia.
Reverse Mortgages to Fund Your Retirement
We don't know who thought of it first, but it's a brilliant idea if you are in need of a little financial oomph - reverse your mortgage for cash. For the retired, reverse mortgages can be an ideal solution if you need to raise funds for home improvement, travel, medical expenses and more.
The aged pension can no longer be relied on to provide the level of income required, superannuation and investments are fluctuating and often losing their value, and governments are increasingly passing on the onus to individuals to fund their own retirement. After a life of hard work, maintaining your lifestyle of choice is becoming increasingly difficult for many.
As a pensioner, you will already have realised that finance options for pensioners are thin on the ground, but that's where accessing the equity in your home or other property can be the answer.
Accessing your equity for whatever reason is referred to as a reverse mortgage home loan. Basically you borrow money on the strength of the value of your home or other investment house or property you own. You do not pay back the loan, but rather when you come to the time when you decide to sell your investment property or your own home to down grade to a smaller one, or whatever your plans may be, the total of the loan including the interest rate is then repaid.
We advise that you speak with one of our professional mortgage brokers to examine the various options available, including fixed or variable reverse mortgages, and to be sure the repayments do not add financial stress to your life.
Perhaps it's time to think beyond traditional loans. If you are retired, reverse mortgages could be the answer to your financial challenges, wants or needs. Discover more about your reverse mortgage for over 60s options, and how we may assist you.
Mortgage Broker Advice after Receiving a Windfall
Invest in the property market!
A windfall is usually a sum of money from an inheritance - but it can be from other things too. The main point is to make the most of it - and that's where property can really shine as an investment.If you already own a home, perhaps it's time to start thinking about renovations, or a step up - or even an investment property.
If you're living with parents or in a rental share, you can still look at an investment property - a small flat or unit is often the first step to ownership of a larger home.
Whatever you choose, our mortgage brokers can help you work out the best choice in the money side of things, simply and efficiently.
Discover more about your options and how we can help you.
Sea change, tree change or somewhere in-between
Whether you're heading for the coast, the hills or staying where you are, a change of lifestyle is an exciting time. It's also a good time to assess your financial position and goals. In doing so you'll take pleasure in your new life style.
You might build the perfect house with the view you've dreamed about for so long!
Whatever you choose, we can help you work out the best choice in the money side of things, simply and efficiently join. Discover more about your options and how our Mortgage Brokers can help you.
Is your Family Growing? Welcome to the Brady Bunch syndrome!
A bigger family, due a new baby, or re-marriage with additional children, or having the grandparents moving in. What ever the reason this situation can make a home that's felt comfortable feel very squeezy! Perhaps it's time to start thinking about renovations, or moving to a bigger property.
Whatever your situation, our mortgage brokers can help you work out the best choice in the money side of things, simply and efficiently. Discover more about your options and how we can help you by clicking on the links below