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Expats Property Finance
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financial services
Our Services
Home & Investment loan Options
How Lenders Assess Residential Home Loans
Lenders assess your ability to repay a home or investment loan by reviewing several key financial factors:
1. Income Your salary, rental income, or self-employed earnings help determine loan eligibility. Lenders typically request documents like pay slips, tax returns, and bank statements to verify income stability and amount.
2. Living Expenses Monthly costs such as groceries, utilities, and transport are reviewed to calculate how much of your income is available for loan repayments.
3. Existing Debts Other loans, credit cards, or liabilities are factored in to understand your total financial obligations.
4. Financial Health A strong financial profile and a low debt-to-income ratio can improve your borrowing power and lead to more favourable loan terms.
Expat Finance options
1. Purchasing a residential property for investment and securing a future home loan is a strategic decision that can lead to long-term benefits, including capital appreciation and financial stability.
2. Buying commercial property solely for investment can be lucrative, generating steady income and enhancing your investment portfolio.
3. Refinancing residential or commercial properties to access better interest rates can improve your financial situation by lowering monthly payments and increasing cash flow.
4. Cashing out equity from Australian-owned properties can provide significant financial resources for other ventures, maximizing asset potential.
Professional Industries Business & Commercial finance
Technology: Our offerings include a range of IT services and innovative Software as a Service (SaaS) solutions to boost business efficiency.
The Built Environment sector involves Engineers, Architects, Urban Planners, Surveyors, and related service providers. We also offer comprehensive Legal services and expertise in Real Estate and Strata Management for effective property development.
Our dedicated Legal practices focus on client needs with customized solutions. Additionally, we provide Accounting services, Financial Planning advice, and Insurance Broking to help clients secure their financial future confidently.
Medico finance
General guidelines for Medical Professional residential loans typically allow for a loan-to-value ratio (LVR) of up to 90% without Lenders Mortgage Insurance (LMI). Some banks may offer LVRs up to 95%, evaluated on a case-by-case basis. It is important for borrowers to explore options and consult with Finance broker to understand the requirements.
Low-doc loans for residential or commercial properties
These specialized loan products are specifically designed to assist businesses in improving their cash flow or facilitating the purchase of property, while also catering to the needs of self-employed individuals who are looking to acquire a property for personal or investment purposes.
Development & Construction finance
There are numerous options and various perspectives to consider when approaching development or construction loans, each offering its unique advantages.
1: You have the ability to secure a development loan without the need for extensive financial documentation, which allows for greater flexibility, with a maximum Loan-to-Value Ratio (LVR) of 70% based on net figures. This can be particularly beneficial for those looking to fast-track their projects.
2: It’s important to note that the serviceability of the loan is based on the end debt rather than the peak debt. This distinction can help you manage your financial obligations more effectively and plan your repayments with a clearer understanding of your long-term financial commitments.
Home & Investment loan Options
How Lenders Assess Residential Home Loans
Lenders assess your ability to repay a home or investment loan by reviewing several key financial factors:
1. Income Your salary, rental income, or self-employed earnings help determine loan eligibility. Lenders typically request documents like pay slips, tax returns, and bank statements to verify income stability and amount.
2. Living Expenses Monthly costs such as groceries, utilities, and transport are reviewed to calculate how much of your income is available for loan repayments.
3. Existing Debts Other loans, credit cards, or liabilities are factored in to understand your total financial obligations.
4. Financial Health A strong financial profile and a low debt-to-income ratio can improve your borrowing power and lead to more favourable loan terms.
Expat Finance options
1. Purchasing a residential property for investment and securing a future home loan is a strategic decision that can lead to long-term benefits, including capital appreciation and financial stability.
2. Buying commercial property solely for investment can be lucrative, generating steady income and enhancing your investment portfolio.
3. Refinancing residential or commercial properties to access better interest rates can improve your financial situation by lowering monthly payments and increasing cash flow.
4. Cashing out equity from Australian-owned properties can provide significant financial resources for other ventures, maximizing asset potential.
Professional Industries Business & Commercial finance
Technology: Our offerings include a range of IT services and innovative Software as a Service (SaaS) solutions to boost business efficiency.
The Built Environment sector involves Engineers, Architects, Urban Planners, Surveyors, and related service providers. We also offer comprehensive Legal services and expertise in Real Estate and Strata Management for effective property development.
Our dedicated Legal practices focus on client needs with customized solutions. Additionally, we provide Accounting services, Financial Planning advice, and Insurance Broking to help clients secure their financial future confidently.
Medico finance
General guidelines for Medical Professional residential loans typically allow for a loan-to-value ratio (LVR) of up to 90% without Lenders Mortgage Insurance (LMI). Some banks may offer LVRs up to 95%, evaluated on a case-by-case basis. It is important for borrowers to explore options and consult with Finance broker to understand the requirements.
Low-doc loans for residential or commercial properties
These specialized loan products are specifically designed to assist businesses in improving their cash flow or facilitating the purchase of property, while also catering to the needs of self-employed individuals who are looking to acquire a property for personal or investment purposes.
Development & Construction finance
There are numerous options and various perspectives to consider when approaching development or construction loans, each offering its unique advantages.
1: You have the ability to secure a development loan without the need for extensive financial documentation, which allows for greater flexibility, with a maximum Loan-to-Value Ratio (LVR) of 70% based on net figures. This can be particularly beneficial for those looking to fast-track their projects.
2: It’s important to note that the serviceability of the loan is based on the end debt rather than the peak debt. This distinction can help you manage your financial obligations more effectively and plan your repayments with a clearer understanding of your long-term financial commitments.
Exceptional financial solutions
At Expat Property finance, our mission is to provide exceptional financial solutions to a diverse range of income earners, from expats and self-employed professionals to PAYG employees. With access to over 35 lenders, including private lenders when needed, we are uniquely positioned to offer the most suitable lending options tailored to the specific needs of our clients.
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