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Ray White Real Estate

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I'll definitely use your services in the future and have already been recommending you to friends. Meadowbank - NSW This was the first time I've used the services of a mortgage broker and it was so easy, I would never even attempt to go it alone again. I really appreciated your prompt attention and continued negotiations with the lender even when I thought I already had the best they offered. I am sure that I will be doing business with you again. Auckland - NZ I was delighted when you rang on Tuesday with the news that my home loan was approved. Thank you for your assistance and professionalism. I have no hesitation in recommending your free services to anyone looking to borrow. Calamvale - QLD Thank you so much for the brilliant work you did on securing us our mortgage. You were as good as your word and that in itself is a rare enough commodity these days. Avondale - NZ Thank you so much for your amazing efforts to successfully have my finance approved. Considering all the obstacles we faced at last minute, I almost fell apart thinking the contract would crash. Little did I know the determination of my broker! Thank you for playing an enormous part in my successful purchase. Morningside - QLD I just want to express my gratitude for your assistance procuring our first home loan. You were so helpful, breaking down the application into workable portions, that we don't understand why we were told that getting a home loan was hard. Thank you again for your help, patience and reliablilty, you made getting everything organised a joy. Oakleigh - VIC Thank you so much for all of your help. You were more than just competent, you were extremely helpful, knew everything inside and out and were able to explain everything to us so that we feel in control. It I ever have occasion to recommend your services to anyone, I certainly will be doing so, and if I ever need a finance broker in the future, you'll certainly be my first choice! Salisbury - SA I would like to take this opportunity to thank you, you have helped us achieve a long awaited dream. I have heard dreadful experiences from friends going through the home loan process, and find it hard to understand you made everything seem effortless and stress free! Palmerston - NT When my partner and I decided to take the plunge and buy our first home we weren't sure what to expect. From our very first meeting you made us feel comfortable and in control of the whole process. Thank you so much for your patience and explaining everything to us, we will be sure to visit you again when we start looking for our next home! Alice Springs - NT We just want to thank you for your help getting us into our new home. Your help was second-to-none, especially your interest in helping me understand all the facts and figures that mortgages entail. You make things feel much simpler and easier and it was a joy to have you as part of our house-hunting team. Bunbury - WA I am so impressed with the way you dealt with our case, which was so much more complicated than the norm. Nothing was too much trouble and you were not dissuaded from helping us as many others were. You gave us great service, with the added bonus of receiving 'service with a smile', thank you! Kalaumnda - WA My wife and I were renting when we came across the opportunity to purchase a property, but we still had another property we hadn't sold. Our Ray White broker helped us in the most professional and helpful way, explaining every detail and making herself available whenever we needed. We are now in our new home and all credit must be given to the way our broker handled our situation and the personal touch that made the process so easy. Rotorua - NZ From day one you always took the time to explain and re-explain things patiently and in a non-intimidating way. Being our first home, this was a daunting and, at times, overwhelming experience that was made significantly easier thanks to your support, advice and willingness to solve problems. Thank you so much for all your help, we will be sending all our family and friends to you! Port Macquarie - NSW I just wanted to thank you for your professional and supportive service. I really felt as though we were in good hands and my instincts were very much affirmed throughout the process. Thank you for your patience, persistence, professionalism and your ability to make things happen even at the challenging times! Frenchs Forest - NSW Rarely do you find a person who truly cares about what they do and is interested in their customers, but you certainly do. You showed an enormous amount of understanding and worked tirelessly to provide me with all the information that I needed. I am now a 'raving fan' of Loan Market and am walking away, not only a satisfied customer, but a customer who will communicate regularly with others that they would be foolish to use anyone else. Mordialloc - VIC Loan Market should pride themselves on employing fine and hardworking individuals such as you. Your warm and friendly approach won us over the moment you walked in our door and it didn't end there. The fact that you are genuinely interested in our needs has been a great comfort to us as there are not many people like you around anymore. So, Thank you. Townsville - QLD Being on a pension I wasn't sure that I could get finance to extend my patio. Not only did you find me the right solution, you made the whole process so simple and were always professional and helpful. I am the second member of my family to be one of your grateful clients and I am sure that there will be many more. Thank you again for all of your hard work. Gawler - SA Property Investment Finance Property finance options for investment purposes are available to suit both long- and short-term property investment strategies. Whether you are seeking an investment for negative gearing, capital growth or retirement income, property finance options range from simple home loans to more complex loans that are allow you to manage tax, gearing, income and repayments. The most common property finance options utilised for investment are the same ones you would be familiar with for your primary residence, and include: Home Loans - Variable Rate - Principal & Interest Home Loans - Variable Rate - Interest Only Line of Credit Loans Home Loans - Fixed Rate - Principal & Interest Home Loans - Fixed Rate - Interest Only - Annually in Advance Home Loans - Fixed Rate - Interest Only - Monthly in Arrears The property finance option you choose will depend on your investment goals and current financial position. Line of credit loan The line of credit loan is one of the most common property finance options used by investors, particularly those investors who are planning on purchasing more than one property. With a line of credit, you can continually draw your loan up to a set limit (allowing for interest charges), without having to reapply for a new loan every time you wish to purchase property. Generally no formal repayments are required on a line of credit loan, as long as the total loan value including interest charges remains below the maximum credit limit you have negotiated with your lender. Interest-only loan repayment options If your are investing in property with the aim of securing short to medium term gains through capital growth, making interest only repayments on your property finance facility may help to minimise ongoing costs and maximise your overall investment return. Cash Flow Manager Loans Cash flow manager loans are a more specialised property finance option available to investors. A cash flow manager loan allows you to capitalise part or all of the interest and/or costs not covered by the rentals on your property for up to 7 years. In effect, the investment property purchase potentially becomes a cash-neutral investment, i.e. there could feasibly be no 'additional ' top-up payments being made for up to 7 years. And even at 7 years, you can potentially refinance and start the loan again. When considering this property finance product, it is important to understand that you are potentially relying on property capital gains and it is extremely important to seek advice not just from your mortgage broker but from your accountant as well. More Information on property finance for investment purposes For more information on property finance for investment purposes, or to discuss the home loan that is in your best interest, simply fill in our property finance contact form and we will have a home finance broker in contact with you within two business hours. Alternatively, call us at any time on 13LOAN or for overseas callers +61 2 9249 3739.

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