Our clients include first home buyers, buyers purchasing an investment property, or owners looking to upsize or lower their interest rate on their existing home loans. By taking the time to understand our client's circumstances, we use our access to a wide pool of lenders and residential loan products, and our years of expertise and experience working with Lenders to get the best terms.

The facilities we arrange include:

・Variable rate home loans and investment loans

・Fixed rate home loans and investment loans

・Renovation Loans / Line of Credit - loans that maximize usage of equity in a property

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Refinancing

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The mortgage market changes regularly in line with economic indicators and interest rate expectations.  At Balcombe, we work in the mortgage market constantly and are aware of the most current pricing, terms and conditions. What was at one time optimal may no longer be the best option in current market conditions. Home loan repayments are generally the biggest monthly financial burden and Balcombe will look for any opportunity to lower interest rates and reduce costs for our clients.

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Refinancing an existing home loan may be used to:

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- Reduce interest rates

- Reduce monthly repayments

- Repay other loans

- Access home equity for renovations and other purchases

- Move to a more appropriate lender

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Pre-Approvals

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A mortgage pre-approval is a confirmation of how much money a lender is willing to lend a borrower to pay for a home. The preapproval indicates that the lender is prepared to move forward with the loan as long as the home meets certain criteria and the borrower's financial situation doesn’t change drastically. The pre-approval is based on a borrower's financial profile, including income, savings, expenses and debt.

Our timeframes for pre-approvals is approximately 1 week. Pre-approval provides our clients with the ability to acquire their home or investment with confidence that the financing support will be there.

At Balcombe we take a more thorough approach with pre-approvals, providing honest, and genuine advice to clients regarding their real borrowing capacity to help them make the most informed purchase.

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