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Residential Home Loans

At APS Advisory Group our fully qualified team of experts will assist in finding the right residential home loans, and in choosing the most appropriate and financially competitive deal for your unique situation. There are a number of factors that need to be considered when choosing the right home loan. It is vital that we partner closely with you to determine the most appropriate financial solution.

We will work to secure the shortest but most suitable long term home loan where you are still financially viable in your ability to meet monthly repayments. The shorter the home loan, the better.

It is also important we carefully compare interest rates and fees between lenders as a minor difference will have a substantial impact on the amount of money you can save over a long period of time.

We will aim for the lowest possible interest rate, whether the loan is variable or fixed, but also consider the loan term and loan features, and fees involved (application fees, etc.) from the lender before coming to a final decision.

 

APS Advisory Group’s six tailored step process to get the residential home loans you want:

1. Research and Identify the right lender and product

We determine exactly how much you can borrow and identify the most competitive rates after carefully analysing all options from lenders.

2. Calculate the serviceability

We analyse and calculate all aspects to give a clear indication of what is involved with your loan: interest rate, monthly repayments, application fees, ongoing fees, loan features, loan terms, etc.

3. Complete all necessary application forms

We help you fill out the loan application and prepare all documents necessary to submit to the bank or financial institution for loan approval.

4. Collect the required documents

We look over the lender’s pre-approval and carefully review the loan agreement.

5. Guide through to settlement

We contact your conveyancer or solicitor to arrange a settlement date, and assist in signing all the documents involved including contracts and government mortgage documents.

6. Monitor the loan with regular reviews

We assist you shortly after your settlement to make sure that the loan repayments are being processed correctly, regularly keep in touch to make sure everything is running smoothly.

1. Research and Identify the right lender and product

We determine exactly how much you can borrow and identify the most competitive rates after carefully analysing all options from lenders.

2. Calculate the serviceability

We analyse and calculate all aspects to give a clear indication of what is involved with your loan: interest rate, monthly repayments, application fees, ongoing fees, loan features, loan terms, etc.

3. Complete all necessary application forms

We help you fill out the loan application and prepare all documents necessary to submit to the bank or financial institution for loan approval.

4. Collect the required documents

We look over the lender’s pre-approval and carefully review the loan agreement.

5. Guide through to settlement

We contact your conveyancer or solicitor to arrange a settlement date, and assist in signing all the documents involved including contracts and government mortgage documents.

6. Monitor the loan with regular reviews

We assist you shortly after your settlement to make sure that the loan repayments are being processed correctly, regularly keep in touch to make sure everything is running smoothly.

Contact us today for a free consultation.