We make obtaining a loan simple and stress-free for you.
You will have access to over 30 lenders, so you can confidently find the right loan tailored to your personal financial requirements and goals.
We quickly and efficiently assess your financial position to provide a prompt response on suitable lending options.
Based in the Sutherland Shire, we can assist clients Australia-wide with online applications and digital meetings.
Navigating through the complexities of applying for a home loan can seem like a daunting and stressful experience. With a myriad of paperwork, varying lender policies, and the challenging task of comparing various loan options and rates, it's easy to feel overwhelmed.
At Blinc Financial, we save you time, give you choices, and help you avoid the pitfalls when it comes to finance. We are dedicated to simplifying the home loan application process - from the initial assessment to the final loan approval. As an experienced mortgage broker, we guide you every step of the way, ensuring you have all the information you need to make informed decisions.
Refinancing your home loan can lower your interest rate, reduce your monthly repayments, allow you to repay your loan faster, tap into your home's equity and/or consolidate debts into a single, manageable repayment. Use our Mortgage Refinance Calculator to see how much you could save.
Buying your first home can be daunting, however we will take the time to explain the home loan and purchase process to you so you know what to expect.
Whether you're looking to upgrade or downsize, Blinc Financial is here to make financing your next home simple and stress-free.
We will explore different strategies to structure your investment loan, aiming to maximise tax deductions while enabling continued wealth building through portfolio growth.
Certain lenders provide LMI waivers for specific professions, including doctors, nurses, lawyers, and accountants. Qualified borrowers who meet the necessary income criteria can borrow up to 90%, and in some cases, up to 95%, of the property value without paying LMI.
With a security guarantee, a family member with sufficient equity in their residential property or savings can use it as collateral for your loan. This enables you to purchase a property with minimal or no deposit.
Are you planning to build your dream home or undertake a renovation? We can secure the financing and guide you through the entire process.
Looking to buy a new home but haven't sold your current one yet? A bridging or relocation loan provides a short-term solution (typically up to 12 months) that enables you to purchase before you sell.
Being self-employed can pose unique challenges when securing a mortgage, due to varying lender policies on income assessment. We can determine the most suitable lending options for your unique circumstances.
By investing in property through a Self-Managed Super Fund (SMSF), you can control where and how your superannuation is invested. We can assist in arranging financing for a new purchase or refinancing to secure a lower interest rate.
We will have a conversation to learn more about you and your goals.
We will gather all necessary documentation to evaluate your financial position and offer you our recommended lending options.
We meticulously prepare, package, and submit your application and diligently follow up with the lender to ensure a seamless and swift approval process.
Once your loan has been approved, your lender will provide a loan contract for you to sign. We will assist you in reviewing and signing the documents and coordinate with all relevant parties until settlement.
Even after your loan has been settled, our commitment to you continues. We remain available to answer any questions or assist with any modifications to your loan. Additionally, we will conduct regular reviews to ensure your interest rates remain competitive.
It's wise to review your home loan every year or two. As the market and your personal circumstances change, the mortgage that once suited you may no longer be the best fit. You might aim to save money and pay lower monthly repayments, consolidate debt, or unlock equity in your home.
Regardless of your reasons, exploring options to refinance your home loan can put you in a better financial position.
Refinancing your loan to secure a lower interest rate can significantly lower your monthly mortgage repayments, save you thousands over the loan term and help you repay your loan faster.
Refinancing to a longer-term loan can spread your payments over a more extended period, reducing your monthly repayments. Refinancing to interest-only repayments will also reduce your monthly repayments. This decrease can free up funds for other expenses or financial goals.
Your usable equity is the portion of your home's equity that you can access and utilise. Often, a lender will allow you to borrow up to 80% of your property's market value or 88% with mortgage insurance. The usable equity can be used for various purposes, such as:
Refinancing can provide access to loan features that your current loan might lack, such as offset accounts, fixed interest rates and flexible repayment options like weekly or fortnightly payments.
Try our Mortgage Refinance Calculator to discover how much you could save by refinancing your home loan.
We recognise that purchasing a property can be intimidating, but with a seasoned mortgage broker by your side, it doesn't have to be. Here's how we can assist:
Get started with our easy-to-use calculators today.
Whether you're a first-time homebuyer, upgrading, refinancing, or handling a complex loan, we're here to help. We will assess your financial situation and provide suitable lending options based on your requirements.