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Home Loans – New Loans and Refinance Mortgage Broker

Looking at buying a home or refinancing? Chat to us today about finding the loan that is best suited to you.

Whether you’re purchasing your first home or your tenth, it’s a big decision. That’s why it’s important to have someone who is professional, unbiased and on your side.  At MC Mortgage Solutions we can access over 30 banks and lenders and we’ll do the leg work for you when it comes to finding the right loan for a new purchase or refinance.

Buying a home

Is your home bursting at the seams, or do you want to move closer to the water or just ant to refinance your home loan? Whatever the reason, we could help you get into your new home sooner. When we meet with you we can show you ….

  • How to structure your loan
  • How to pay off your loan sooner
  • How an offset account can save you money
  • How to access equity in your current property
  • Why you may need a pre-approval
  • What terms you need in the contract

We also provide property reports for you that can help in choosing your next home.

First Home Buyers

Buying your first home is likely to be one of the biggest purchases in your life. Sometimes it can seem like an overwhelming task, but we’re here to guide you through it and make your dream become a reality.

Building your home – Construction Loans

Have you been searching and searching for your dream property but you just can’t find it? Building a home can be a great experience if you want to design something specific for your family’s needs. However, there is also significantly greater risk when procuring construction loans than just purchasing an existing home. At MC Mortgage Solutions we are extremely experienced in construction loans and we’re here to simplify the process and show you step by step that it’s really not that hard at all.

Refinancing

So many choices, so little time. No wonder so many people end up banking the same old way, even when their needs have changed. But 15 minutes is all it takes to consider whether we can find a better way to manage your money and potentially save your thousands over the course of your loan.

Why should you refinance your home loan?

There are a number of reasons why home owners and investors chose to refinance. Perhaps they are wanting to renovate, consolidate debt or use the equity to invest in property. Another key reason, and the most popular reason, is to secure a better interest rate to lower your monthly repayments.

When is the right time to refinance?

Rather like the annual dentist check up, it ‘s a good idea to review your mortgage annually. Don’t worry, as a valued client, we will take care of the annual reviews for you after the initial loan.

Another common time home owners review their mortgage is when their circumstances change. Perhaps you’re looking at starting a family, or upgrading your home, different banks offer different loan packages and there may be a better one that suits your circumstances.

The costs of refinancing

If you are switching loans to save money, be mindful of the fees associated with each loan for exiting or establishing loans.  Break costs also need to be considered if you’re looking at exiting a fixed-rate loan before the fixed term expires. But don’t worry we’ll go over all of that with you.

A quick 10 min chat and we will let you know if there’s a better deal out there that we can help you with.

 

Have a question?

MC Mortgage Solutions would love the opportunity to discuss your circumstances with you. Whether you have found a house or are just in the planning stages it's never to early or late to make sure your finance is right for you.

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