We aim to find you a loan that meets your requirements and exceeds your expectations in terms of rate, product, and service. We believe that everyone deserves the opportunity to own their dream home. At Boutique Loan Solutions, we look forward to supporting you in your dream of owning your home or investment property. Please read on to see how we can help you, or call us on 0422880610 to get started today.
Just starting out and not sure what kind of loan you need? No worries! We are here to help. As a first home buyer, you can either obtain finance from a financial institution (a loan) to purchase or secure against the property with our assistance.
Features of a mortgage such as the size of the loan, maturity of the loan, interest rate, method of paying off the loan, and other characteristics can vary considerably. It’s always best to speak with a professional mortgage broker to discuss your options. We can also help you determine your eligibility and apply for the First Home Owner’s Grant.
The variable rate loan offers more features and flexibility than the basic fixed-rate loan, so the rate is usually slightly higher. Fixed-rate loans are set at a fixed rate for a specified period – usually one to five years. This gives you the advantage of knowing how much your repayments will be, allowing you to organize your finances without the risk of rising interest rates. However, this advantage is offset by the possibility of not benefiting from a drop in rates.
Commercial property and business lending policies and interest rates are rarely found on lender’s websites. Unlike residential home loans, the pricing of a commercial loan can be negotiated based on your background in business and the security to be offered. If you need help to refinance or purchase commercial property, just contact us today.
Investment loans are structured in a specific way to allow you to make the most of your assets and finances. We can work with your financial planner and accountant to ensure your loan is set up to meet your specific needs, so we have access to competitive loan options that can help you maximize your investment returns.
Mortgage brokers are qualified finance industry professionals. They work with you to determine your borrowing needs and objectives, and to help you determine how much you can borrow. Brokers help to ensure that you don’t take out a loan that is not right for you.
Like your solicitor, accountant or financial planner, we are specialists in what we do and will provide you with a suitable finance solution to help you achieve your goals.
With a mortgage broker, you can expect a more personalised level of service than you would usually receive directly from a lender. Additionally, our brokers have access to finance products from a wide variety of lenders. This means your broker can compare lending products from different lenders to find a loan that’s just right for you.
Some mortgage brokers charge a fee for their services and some don’t. When you take out a loan via a mortgage broker, it does not cost you more in loan repayments. Brokers get paid a commission by the lender for bringing new business to them, but this does not impact your interest rate.
Some brokers charge a fee for their service. They must disclose this fee upfront to you so that you know what it will cost if you engage their services.
Absolutely not. First of all, there is very little difference between the commissions paid by the various lenders. There is also legislation in our industry called the National Consumer Credit Protection Act (or NCCP), that is designed to protect consumers and ensure ethical and professional standards in the finance industry. We tell you upfront what commission we will be getting from the lender. Our job, our only job, is to find a competitive loan for your needs and objectives.
Lenders will only sell you their own products. Each bank (or lender) has a variety of loan products on offer – low doc, package loans, loans with re-draw facilities, plant and equipment loans, fixed rate loans, interest only, interested in advance, variable, introductory variable… and so on.
The issue you face as a consumer is ‘which loan is right for me?’ And that is where your mortgage broker becomes an invaluable resource! If you go direct to the bank, you will only be offered the loan options available through that one lender. As your mortgage broker, we do all the leg work to find the right loan for your needs. We are across many lenders and all of their loan products, and our sole purpose is to find a suitable loan to match your personal financial circumstances and goals.
The information contained in this website is of a general nature and does not take in to account your personal needs and requirements. Your full financial situation and requirements need to be considered prior to any offer and acceptance of a loan product. The information is provided by Boutique Loan Solutions ABN 67 892 760 073 Credit Representative 389328 is authorised under Australian Credit Licence 389328.
“Eddy guided me through the process of taking over a mortgage for my home in Melbourne during my divorce settlement. It was a difficult time. His guidance and communication throughout the whole process were above and beyond. Once I was ready to become an investor, Eddy was the only choice to be my broker again. Eddy has found and sourced the best deals for my Gold Coast properties. I highly recommend Eddy to anyone wanting a competitive rate. and also superior service with sound knowledge and a pleasure to deal with.”
Amy Rogers-Davis Single mother - Melbourne