Finance

Home finance
If you are buying property now, getting your finances sorted out early can ensure you are in the best position to negotiate for the property you want on your own terms.

Borrowing more than $250,000
If you are borrowing more than $250,000 Denise can negotiate discounts off the standard variable interest rate - usually up to a 0.7% at $300,000 and for loans greater than $750,000 bigger discounts, depending upon your general position.

Complex borrowing and larger loan sizes Denise has extensive experience with larger loan sizes, broad property portfolios, trusts, superannuation and other structures. If you are self employed, or a professional in the legal, banking, IT or medical professions - whether self employed or PAYG - Denise knows where to place your loan application and how to effectively package it for maximum benefit.

Home Loan pre-approval
Home loan pre-approval will put you in the strongest position to bid at auction or negotiate with a vendor. Pre-approval is offered by most banks and lenders and is usually valid for around three months and Denise can easily assist you to get it. A true unconditional pre-approval may cost you some money in processing fees but is the most secure indication of how much you can borrow.

First home buyers
If you or your children are a first home buyer, you are well-placed to take advantage of a number of government initiatives aimed at improving affordability. Along with the well-established First Home Owners Grant of $7000, first home buyers can now access deposit-saving support via First Home Saver Accounts, offered through a selection of banks, credit unions and other financial institutions. The NSW government provides additional assistance to first home buyers in the form of the First Home Plus and First Home Plus One schemes. Denise will assist with forms, departments and where to go to get a good interest rate on your savings.

Denise Sisavanh-Chan
M: 0410 606 033
E: denise.sisavanh@loanmarket.com.au
W: www.loanmarket.com.au