Everyone needs a helping hand once in a while, and when it comes to obtaining a home loan or business loan – whether it’s to purchase a home or refinance/consolidate your debts or purchase assets – The Hrkac Group’s Mortgage Broker Geelong team is there to help you with practical, effective financial advice. Our team work with a variety of lenders both with a range of banks, and of course non-bank lenders and will carefully cross-check your personal needs to the loan itself, to ensure you have, and are maximising the features relating to the selected loan. We will also ensure you are getting the best rate, every time.
We listen, we understand and we know what the best solution for your particular needs are. Our honest, knowledgeable team of mortgage brokers will give you the confidence to negotiate for your future so that together, we can develop and maintain your wealth.
There’s been plenty of discussion around the latest budget changes, particularly for property investors.
But hidden amongst the headlines is a strategy that may become even more attractive for long-term investors.
Let’s look at the numbers.
The strategy?
A Self-Managed Super Fund (SMSF).
The Hrkac Group’s Geelong mortgage brokers work with a large variety of lenders, both bank and non-bank, so we are able to ensure you are working with loan products that have all the features you need at a rate that works for you.
What’s more, we will work alongside you as you lodge your home loan application to help simplify and streamline the process as much as possible.
If you’re in the market to turn your equity into an investment for your future, we can help you build your investment portfolio from the ground up. Our Mortgage Brokers Geelong are constantly aware of the changing property landscape, so are best positioned to use their knowledge to your advantage.
Entering the home owners market can be a maze of lenders and confusing jargon. Here at the Hrkac Group, our first home buyers service begins with our team of friendly, down-to-earth experts working closely with you to determine your borrowing capacity and future loan before supporting you through the entire stress-free process.
Long after your home loan is approved and the contracts are signed, the Hrkac Group is here for your ever-changing future needs. We go the extra step with our services, by being available to help you with any loan alterations including: negotiating new interest rates, refinancing options and consolidating your debt into a more manageable place.
For flexible and comprehensive loan options, we have the network to find finance options for your vehicles and equipment. Through our vehicle buying services, you gain the advantage of our buying power so you can get back some of your time to focus on more important things.
An SMSF allows you to use your superannuation balance to invest in property, potentially creating significant tax advantages over the long term.
What many people don’t realise is that SMSF borrowing capacity is assessed separately from your personal borrowing capacity. In many cases, that means your ability to purchase property through an SMSF doesn’t impact what you may be able to borrow in your own name.
Two separate strategies. Two separate opportunities.
With the budget changes causing many investors to reassess their options, now may be the right time to understand whether an SMSF property strategy could work for you.
As always, seek professional financial and tax advice before making any investment decisions.
