WE COME TO YOU 7 DAYS A WEEK
Michael Nies
Michael Nies is the principal who has over 30 years experience in banking and finance, having worked at Colonial State Bank / CBA, St George Bank, Wizard Home Loans and Genworth Financial Mortgage Insurance. Michael Nies is a Credit Representative (Credit Representative No. 481300) of BLSSA Pty Ltd (Australian Credit License No. 391237).
With an extensive lender panel, we can recommend a home loan that suits all of our clients needs.
Michael is available 7 days a week. Before, during and after business hours for our clients convenience.
We can see our clients in their home or in another suitable location for their convenience. Our service is completely mobile allowing us to visit clients in all local areas within the Macarthur region.
WE COME TO YOU 7 DAYS A WEEK
Michael Nies
Michael Nies is the principal who has over 30 years experience in banking and finance, having worked at Colonial State Bank / CBA, St George Bank, Wizard Home Loans and Genworth Financial Mortgage Insurance. Michael Nies is a Credit Representative (Credit Representative No. 481300) of BLSSA Pty Ltd (Australian Credit License No. 391237).
With an extensive lender panel, we can recommend a home loan that suits all of our clients needs.
Michael is available 7 days a week. Before, during and after business hours for our clients convenience.
We can see our clients in their home or in another suitable location for their convenience. Our service is completely mobile allowing us to visit clients in all local areas within the Macarthur region.
Loan Purpose
We assist our clients with home loans for these purposes.
We assist our clients with home loans for these purposes.
Purchasing their first home. Including providing advice on what stamp duty exemptions or concessions and First Home Owners Grant (FHOG) applications that may apply.
Purchasing their first home using parents property as security if they do not have a 5% deposit or do not want to pay Lenders Mortgage Insurance i.e. Family Pledge loans.
Purchasing an investment property.
Refinancing to a cheaper rate or a more suitable loan product.
Consolidating debts into one loan repayment or 2 loan repayments with any credit card / personal loan debts being repaid over a 3 – 5 year period at home loan rates.
Releasing equity to complete home renovations, holiday or for future investment.
We can also assist our clients with arranging ‘Deposit Guarantees’. These are required when our clients do not have the full 10% deposit required when purchasing a property. Examples of these are a first home buyer that only has 5% deposit or is using a parental guarantee or clients who are upgrading and have sold their property and awaiting settlement therefore do not have access to the excess funds from the sale.
Ask about the new HomeBuilder scheme
On the 4th of June 2020 the Federal Government announced the new HomeBuilder scheme. HomeBuilder provides eligible owner-occupiers (including first home buyers) with a grant of $25,000 to build a new home or substantially renovate an existing home. Attached is the Fact Sheet from the government outlining the scheme including the eligibility requirements and Frequently Asked Questions about the scheme.
HomeBuilder Fact Sheet
Click to view the fact sheet
FAQ About Scheme
Click to view the fact sheet
Loan Type Options
Variable
A variable rate home loan is one of the most popular mortgages around. A standard loan which offers the right mix of features and flexibility. The interest rate moves up and down depending on the market.
Fixed
A fixed rate home loan offers a fixed interest rate for a set period of time. The repayments will stay the same during the fixed rate period and offers stability and a fixed cost. There are exit fees involved when a fixed rate home loan is broken.
Line of Credit
A line of credit home loan offers a credit facility similar to a credit card. The line of credit allows you withdraw funds up to a set limit at any time. Repayments can be made in full or in monthly installments. These loans give considerable freedom but they are hard to manage.
Offset
An offset account is a savings account which is linked to your loan account. The balance of the savings account is offset against that owing on the mortgage.
Split
A split home loan can be a combination of any of the above loans.
Lender Options
We have an extensive lender panel, we can recommend a home loan that suits all of our clients needs.
We are accredited with the following lenders
Plus many more ….
Lender Options
We have an extensive lender panel, we can recommend a home loan that suits all of our clients needs.
We are accredited with the following lenders
Plus many more ….
First Home Buyers
We offer expert advice for first home buyers. With over 30 years experience in banking and finance we have the skills to make sure you get the right home loan that suits you.
Achieve your dreams today contact us or apply online for a free consultation.
Check out first home buyer fact sheets below
First Home Loan Deposit Scheme
Click to view the fact sheet
Guide to Stamp Duty
Click to view the fact sheet
Guide to Stamp Duty on Vacant land
Click to view the fact sheet
First Home Buyers
We offer expert advice for first home buyers. With over 30 years experience in banking and finance we have the skills to make sure you get the right home loan that suits you.
Achieve your dreams today contact us or apply online for a free consultation.
Check out first home buyer fact sheets below
First Home Loan Deposit Scheme
Click to view the fact sheet
Guide to Stamp Duty on Vacant land
Click to view the fact sheet
Guide to Stamp Duty
Click to view the fact sheet
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