Australian Credit License Number : 392611

Over the course of many years, we have heard it all. There is no such thing as a silly or common question so if you need to know anything about getting finance or even if you have a question about your current finance arrangements, give us a call or email us with us with your question or enquiry.

Some terms explained...........

Pre-Approval?......

An experienced mortgage broker can help you get your finances organised before you buy a property CONTACT US This will give you the power to negotiate a better purchase price, as the real estate agent will see that you are serious and may also place YOU before another buyer during negotiations. Having your finances organised in advance may also quicken the whole purchase transaction.

Buyers Agent.......

All real estate agents will sell you a property, but how many will help you BUY another property?

Ask your local real estate agent if they can act as a “buyer’s agent”, to help you find a new property and also help negotiate a better price for the property, for you. This service is not widely known but can be handy if you are new in the game. Your EZFinance broker has many real estate contacts within their areas and will be happy to help when it comes to finding and buying a property.

Struggling with repayments?.....

If you are struggling to meet your mortgage repayments, call an EZFinance professional. We can look at your situation and suggest possible ways in which to re-finance all your debt, or offer advice in regards to a variety of ways in which to restructure existing debt to lower monthly repayments. Making your finances affordable will give you a better lifestyle and less stress!

Buy before you sell.............

If you are buying a home and you have not sold your existing home, we can help. Different financiers have specific loans which can enable you to move today and sell tomorrow. If there is enough equity in your existing property, this may be an option for you. Contact us today for information on “go between loans” or “Bridging finance”

Credit Worthiness?.......

Have you got bad credit or don’t know what your credit report looks like? EZ Finance can assist you to access your credit file through VEDA and help you decipher exactly what it says and how it may impact on your ability to apply for finance. EZ Finance also has access to Solicitor firms who specialize in “Cleaning up” tarnished credit files, which may be an option for some clients. Contact us today, so that we can help you get back on track.

"Knocked back on Finance?"...

EZ Finance may be able to help. Just because one bank has rejected your application, this does not mean that another bank will! All Banks and non Banks have different lending criteria. Some will use a particular type of income , where another will not! – Some will lend you more than others. What ever your situation, EZ Finance may be able to help you through the maze. We have over 25 different lenders on our panel from which to choose. Contact us today.

Choosing a settlement date..........

Previously, a 30 day settlement date on the purchase of a residential property was very achievable in most Australian states. In today’s market, it is very common for many financiers to delay settlement due to high volumes of loans and an assortment of other reasons. Therefore, when negotiating on the purchase of a property, perhaps enter into a 21 day finance clause and a six week settlement date. This will ease the stress of meeting tight deadlines.

Compariason Rates.......

Comparison rates are different to actual Interest rates. A comparison rate is the “True” effective interest rate which is applied to a particular loan and this incorporates all the fees associated with that loan during the life of the loan (such as account keeping fees, annual fees, application fees & exit fees etc..) This rate is normally higher than an actual quoted interest rate, giving the true cost of the loan. This information can help you distinguish which loan is actually cheaper, when all costs are taken into account.

*The information listed on this website is for general use only. Please seek advice from your Financial Planner or Accountant before committing to any financial matter.

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helpful tools

stamp-duty-calculator

Link to Stamp Duty Fees

loan-calculator

Home Loan Repayment Calculator

ex-finance

Forms Directory

Fast unsecured
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$5,000 to $250,000

Australian Credit License Number : 392611

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Refinance and save

Contact us to enjoy the life YOU deserve. Our Finance team specialize in restructuring your existing debts to make each week more affordable. Whether you want to consolidate, renovate or buy a new car, we are just a phone call or email away.

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