How We Can Help
Home Purchases & Refinances
Home Purchases & Refinances
Knowing where to start can be the biggest hurdle. The right tools and support will get you moving with a little more confidence.
Everyone's home buying needs are different, whether you're buying your first or next home, investing in property or refinancing, you must get sound financial advice to make the move.
Talk to us when you are ready
Knowing where to start can be the biggest hurdle. The right tools and support will get you moving with a little more confidence.
Everyone's home buying needs are different, whether you're buying your first or next home, investing in property or refinancing, you must get sound financial advice to make the move.
Talk to us when you are ready to put that deposit for your first home or even looking at purchasing your next home.
Loan Products & Options
Home Purchases & Refinances
With so many options to consider, how do you choose which one is right for you?
Probably the most important decision is whether you choose a variable interest rate loan, a fixed rate loan or a combination of both, if available. No one can accurately predict how interest rates will move, and this is even harder now that lenders are acting i
With so many options to consider, how do you choose which one is right for you?
Probably the most important decision is whether you choose a variable interest rate loan, a fixed rate loan or a combination of both, if available. No one can accurately predict how interest rates will move, and this is even harder now that lenders are acting independently of the Reserve Bank of Australia. The decision to take a fixed or variable rate loan is really a decision about mitigating risk. Both types have pros and cons and while we can’t predict the direction of interest rate movements, we can make an informed choice when it comes to the home loan that is most appropriate for our needs.
With a fixed interest rate loan, the interest rate charged to you is locked for a set period of time, typically 1, 2, 3, 4, 5 or 7 years. This means that your regular repayment amount will not change during that period of time. At the end of the fixed rate term, the loan will usually switch to the standard variable rate offered by the lender or you can choose another fixed rate term.
Split loan allows you to take advantage of the benefits of both types of loans – you have the certainty of a fixed rate on part of your loan as well as the flexibility to make extra repayments on the variable rate part of your loan.
Things to consider:
PRINCIPAL AND INTEREST BENEFITS
- You will pay less interest over time and you will pay off your loan in full by the end of your loan term
- Your repayment amount will be higher as the principal is being repaid as well as interest.
INTEREST-ONLY BENEFITS
- Your repayment amount will be lower during the interest only period as no principal amount is being repaid.
- At the end of the interest-only period, your repayments will increase and be higher to repay the principal over the remaining, shorter term
Ask us About
Ask us About
Home Loans
- First Home Buyers
- Refinance
- Construction
- Home & Land Package
Investment Loans
- Residential Property
- Refinance
- Restructure of Loans
SMSF
- Residential Property loans
Asset Financing
- Car Loans
- Business Assets
Commercial Loans
- Commercial Property.
About Us
Our Mission
Creating Moments
Our Commitment
To be a purpose-driven business is our goal and its much about:
- who we are,
- what we deem important, and
- what we do about it.
- It is about why we exist.
What is important to us is that you are happy with the mortgage product we obtained for you. When we have helped you, we not only grow our business but it also supports the initiatives that are dear to us.
We inspire people to thrive financially and unlock the potential to giveback to make a difference.
Our Commitment
Creating Moments
Our Commitment
We want to talk about our values and be able to live them as we partner with you through lives most stressful financial decisions . Our partnership with you creates a positive financial impact and changes the lives of more people in our community. We aim to be a sustainable business that balances profit and purpose.
Creating Moments
Creating Moments
Creating Moments
We want to support and empower our clients through some of life’s big financial decisions. When you are buying or re-financing your home, or building a property investment portfolio, we can guide you towards achieving your financial freedom.
Here at Momentous Solutions, we help identify factors other than just an interest rate that makes your loan effective and better for you. Low rates are important, but they are just a part of the picture.