• We will find the right mortgage for you

    Access to the most competitive rates from all major loan lenders

    Support throughout the entire mortgage process

  • With almost a decade of experience in residential property loans and holding the highest qualifications available as a Mortgage Broker, our business continuously undertakes training that enables us to stay up to date with the latest product knowledge for our industry and ensures full accreditation status is maintained with all required industry bodies.

    For our clients this guarantees they receive the best possible home loan guidance available.

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  • We make it as simple as possible! When you contact us your requirements are discussed, assessed and are given a recommendation. We prepare an application and check all documents before they are sent to the bank. Finally we co-ordinate and monitor the issuing, signing and return of the loan documents in readiness for settlement.

    We are always always available to at any stage of the loan process if you have any questions and to give an update on the application.

  • Buying a home is the single most important financial commitment most you face in your lifetime.
    While rewarding in the end the process can also be one of the most stressful events that you might have to endure.

    We help relieve this stress with our Home Buyers Guide that we hope makes the process a much more enjoyable experience that after all we would all hope this to be.

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  • Rules Of Investment

    When you’re trying to secure finance for an investment property, it’s important to keep a few simple rules in mind to make sure you get the best deal possible and will be able to afford the repayments, come what may. If you’re thinking about purchasing an investment property, it’s important to manage the risks adequately. For example, you shouldn’t rely on rental returns as a guaranteed income to meet loan repayments, as there are times when a property may be vacant or hard to fill immediately and some months the rental return on a property may be diminished by maintenance costs. ...

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    How Much Deposit Do I Need For A Home Loan?

    Usually 20-30%. Traditionally, you’ve needed at least 20% deposit to get a home loan. It’s all about loan to value ratios (LVRs). Loan to value ratio (LVR) – what the lenders look at When lenders talk about mortgage deposits they refer to loan to value ratio (LVR). LVR is the loan amount divided by the value of the property. Let’s say you want to buy a property with a purchase price of $200,000. If you have a deposit of $40,000, your LVR is 80% (160k/200k). The critical LVR – 80% The critical LVR figure as far as lenders are concerned is 80%. If you don’t have 20% of the purchase ...

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    Home Purchase

    Most people buy a home only once or twice during their lifetime and finding a loan can be a very daunting experience. Dealing with lending institutions can be exasperating, frustrating and down right intimidating. By using our services clients only need to deal with one person at Beltina that negotiates with all the banks on their behalf. This saves time and removes the anxiety of going through the process of finding a suitable home loan. Being an independent broker Beltina is able to objectively assess and match its clients with the appropriate bank to secure the best available loan is ...

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