FinanceMe – The Home Loan Experts
The mortgage industry is a minefield of complex policy mazes, this is why we make sure that we take your full situation into account before assisting in providing a lending solution. Finance Me enables you, the consumer an obligation free consultation with one of our experienced Lending Specialists to guide you through this maze and provide a complete solution.
We specialise in helping people with complex financial situations and those who do not meet standard bank policy. There are many different types of Loans with each Lender having separate credit policies. Since the GFC, many lenders have reduced their tolerance for risk to keep the cost of funding down, requiring them to have tighter credit policies.
Variables such as bad credit history, bad credit score, Self Employed financials not up to date, time in current employment and types of income may mean you fail to meet a prime lender’s or mortgage insurer’s requirements when, in fact, you can be regarded as very reliable in terms of credit risk.
Secure a Home Loan with FinanceMe
Are you confused with all the home loan offers out in the marketplace?
If it’s your first home, or if it’s time to renovate, refinance or invest, we’re here to help make it happen.
Applying for a mortgage is one of the biggest things you’ll do in life. We’re here to help you by making sure you have the info and options you need to find the finance solution you’re looking for.
There are so many home loans to choose from, with new ones always being introduced, not to mention special offers and other ‘deals’. As a broker we’ll not only help you find a loan that suits your particular needs, but we’ll also help you complete the paperwork, and submit the application for you.
Bad Credit Home Loans
Bad Credit Home Loans
These home loans are designed to assist those borrowers with bad credit or a poor credit history to purchase or refinance a home.
A complicated past, may not mean a complicated future. We have specialist lenders that will lend to 95% LVR of property value if you have paid or unpaid defaults, discharged Bankruptcy or Part 9, court writs, judgements or just bad credit rating. By refinancing and consolidating your debts you may be able to minimise your repayments, settle debts in default and eventually clean up your credit rating.
Low Doc Home Loans
Low Doc Home Loans
Low Doc loans are designed for the self-employed or small company borrower/s whose financial statements may not be available at the time.
Australia has more than two million independent contractors or self-employed with many of these businesses not having their financials ready at the time of application so do not fit into the Banks format for Self Employed. We have low doc home loans for both clean credit and loans for bad credit ratings for purchases up to 90% LVR and refinances to 85% LVR with no cash out restrictions.
Why you should use a Mortgage Broker
We do all the running around for you, saving you time and making the task of finding a home loan easy and less confusing.
We provide you with a written credit proposal document for your protection which discloses all commission and payments received.
We don’t stop at just finding the finance. We’ll help complete the paperwork, manage the application process and follow it through to approval. Leaving you time to get excited about your new home.
We offer over 500 products from 40 different lenders.
The diversity of our lenders means there is no one size fits all product. By using our loan service, you benefit from our widespread knowledge of today’s credit options.
Our high level of continued training ensures that our brokers are always abreast of developments within the mortgage industry, and are always up-to-date with current products being offered by the lenders on our panel.
Our Large Panel of Lenders
What our clients are saying…
Hi Ray, we stayed in our new place on the weekend, all is good! Just wanted to let you know. Also my wife is already talking about our next home, so once we have tidied this one up I’ll give you a call (in a year or so) I’m happy to recommend you to anyone I talk to.
Genene has been great helping me many times over the years during trying times and family issues, Genene has always been sympathetic and understanding. Genene has always found the right product to suit our needs, would not go anywhere else for my lending needs.
Thank you for your professionalism and high level of service you provided during our recent process of buying my new home. Your attention to detail, constant feedback and professional manner was greatly appreciated. I shall be recommending your services to others.