Home Loans

First Home Buyers or Up-Sizing

Whether you are a first home buyer, requiring a larger family home or buying an investment property, it is important to ensure that you have the right loan for your lending requirements. This is as important as selecting the property itself.

We understand that some personal situations can make it challenging to attain finance. Examples include:

Being self-employed (see business loans section)
Purchasing land and building
Have a bad credit score
Have defaulted on loan payments
Have been declared bankrupt

Nevertheless, please call us to discuss your needs and we will do our best to tailor a package for you.

Interest rates are important

Having a low interest rate is very important, particularly over the long-term. However, there are many other features of a loan are also very important. These include:

Offset accounts
Reduced fees
Redraw facilities
Split-loans – fixed and variable portions
Interest only periods
Payment frequency
Loan terms
Lump sum and increased payment options

Our lending specialists can help you understand the features of the loan to ensure that we source the correct loan with the desired features included.

Debt decreases your usable cash flow

Understanding the structure of your loan is important. At Crescent Lending Solutions we can provide advice on how you can best manage your cash flow. Investment properties can be great investments; however, it is important to consider the downsides as well. These can include:

• Ongoing maintenance costs

• Communicating with tenants or property managers

• Landlords’ insurances

• Council and water rates

• Structuring the loan to take advantage of negative gearing or other tax benefits