Home Loans
Professional Home Loan Broker in Wollongong
Secure The Right Loan
Buying your first (or third) property is an exciting time; but it’s important to understand which home loan is appropriate for your unique situation. That’s where HomeLink Financial Services comes in. Mortgage broker, Zoran, will guide you through the process and do everything possible to help secure the right home loan. He has access to some of Australia’s best lending institutions, allowing him to find a competitive package to suit your needs.
Call Zoran today on (02) 4272 1793 to book a consultation. He assists home buyers throughout Wollongong, Shellharbour, Sydney, Illawarra and surrounding areas.
Am I Eligible?
One of the main questions home buyers ask is: ‘am I eligible for a home loan?’ Well, Zoran from HomeLink Financial Services is here to help. Whether you are a first-home buyer or an investor, he will take the time to understand your current lifestyle, expenses and any costs involved after purchasing a home. One of the most important considerations to determine a clients’ loan eligibility is their ability to make repayments after the loan settlement. By determining this, Zoran can understand the clients affordability and guide them in selecting a home loan that is suitable.
Call Zoran today on (02) 4272 1793 to find out if you are eligible.
What Loan Should I Get?
Not sure what type of home loan is appropriate? Zoran will help compare home loan features and choose an option that is best suited to your changing circumstances. By determining what type of loan is suitable, Zoran can then figure out what sort of deposit is required and then put the loan into writing.
Call Zoran today on (02) 4272 1793 to discuss further.
How Much Can I Borrow?
For Zoran to establish your borrowing capacity, first he needs to review your credit file. A credit file (or credit history) refers to the information that various credit reporting companies have regarding repayment of debts. A poor credit history and/or minimal income can impede a clients eligibility to receive a home loan. If this is the case, Zoran can look at options provided by non-conforming lenders. HomeLink Financial Services has access to these lenders, which are mainly applicable for self-employed loan applicants who show minimal income on tax returns/use bank statements to declare income.
Call Zoran today on
(02) 4272 1793 to learn more about your borrowing capacity.
What About Debt Consolidation
At HomeLink Financial Services, Zoran can help you combine existing debts into a single debt. This is done in order to increase your serviceability rate. Before applying for a loan, Zoran will ask you to specify your financial standing so that he can personalise a strategy that best suits your unique needs. By consolidating a number of debts, it becomes much easier to manage and prepare for your upcoming home purchase. Repeat home buyers are generally asked to provide past repayments. Debt consolidation also enables you to pay reduced interest rates.
Call Zoran today on (02) 4272 1793 to see if debt consolidation is right for you.
How Do I Submit An Application?
It’s important to note that Zoran will never submit a home loan application unless it’s going to be approved. Before submitting the application, a credit report is required to determine your eligibility for a home loan. Zoran will also need to know your background and financial specifics. An in-depth discussion is needed to complete the credit report. Once complete, the application status can be determined and submitted if suitable.
Call Zoran today on (02) 4272 1793 to get started on your home loan application.
Site Links
License
- ABN: 78 096 695 135
- MFAA Approved Broker, Member No: 12019
- Zoran Avramoski is a Credit Representative (399137) of BLSSA Pty Ltd ACN 117 651 760 (Australian Credit Licence 391237)
Operating Hours
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- Tuesday
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- Wednesday
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- Thursday
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- Friday
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- Saturday
- Closed
- Sunday
- Closed
