FINANCE

Need assistance with financing or refinancing your home? We’re here to help! Need a strategy for getting out of debt and managing those credit cards? We have proven solutions to get you on track! Need help with paying off your mortgage faster and saving money on tax? You’ve come to the right place! Finance for Home and Investment property finance (Zabbay finance) have secure strategies for managing all of the above problems, plus many more, that will assist you to build wealth and move forward financially.It’s simple. When you have sufficient equity you can borrow the money you need to invest in property.Your repayments can be made by tenants and as an extra bonus the Federal Government provides tax concessions to property investors.

Zabbay Finance recommends and is a member of the Finance Brokers Association of Australia (FBAA) which is your guarantee that you are dealing with creditable companies. To gain membership to this prestigious organization, we have to demonstrate our compliance with the FBAA’s code of ethics and their very high standards regarding all aspects of finance and property investment.

Our membership with FBAA guarantees that you will receive professional advice from finance and property experts and you have peace of mind knowing you are dealing with a highly ethical company.

Property and finance specialists at Zabbay Finance are fully qualified and accredited with all Major Banks and Financial institutions. Our brokers are in constant contact with lenders to source the most competitive rates in the industry, so that we can pass on the savings to you.You might think that getting a loan for an investment property is simply a case of going to one of the four big banks and asking for a loan. This is actually what most novice investors do.

But, there’s a much better way. Experienced investors talk to a mortgage broker who ascertains which bank or finance institution will work best in your particular situation. Each bank (or non bank lender) has different mortgage products to suit different lending situations. A bank that suits your next door neighbour may not necessarily suit you.

To complicate the situation a little more, there are many different types of loan structures available and combining different loan products requires specialist knowledge.
How do you know which loan to choose? Here are just a few that are available, all with their own criteria:
• Principal and Interest Loan
• Interest Only Loan, • Commercial Loan, • Offset Loan • Redraw Facility • Line of Credit • Split Line of Credit
• Reverse Mortgage• Capitalized Loan • Cross Collateralised Loan • Mortgage Elimination Loans
• Fixed Interest Loan • Variable Interest Loan • Part Fixed/Part Variable Loan
• Timed Interest Loan … and many, many more
This is why it is so important to get the correct advice from a Mortgage Broker, so that you choose the correct financial structure to suit your needs.The wrong loan structure can lead you to large penalties from the lender for early termination, so it is extremely important that you understand the loan and the structure that is in place prior to signing any agreements or contracts.Our finance specialist will sit with you on a one-on-one basis and go through each aspect of the financial strategy prior to making any decisions. This gives you an in-depth understanding of what is involved, so you can make informed decisions.

FOR A FREE CONSULTATION

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