Mortgage Broker in Mount Duneed, VIC 3217
We're Mount Duneed Mortgage Brokers helping locals get a new loan or refinance their existing loan
Rated 5 from 7 Reviews
We're Mount Duneed Mortgage Brokers helping locals get a new loan or refinance their existing loan
Rated 5 from 7 Reviews
Are you considering buying a home or investing in Mount Duneed, VIC 3217? As a thriving locale, it's essential to have expert guidance when navigating the local property market. This is where Rizon Finance comes into play. With our established presence as a dedicated mortgage broker, we strive to offer personalised loan options from a wide array of banks and lenders across Australia. Our aim is to simplify your home-buying journey while ensuring you secure the best possible interest rate and terms suited to your unique financial situation.
Working with Rizon Finance means gaining access to a tailored service where your borrowing needs are matched expertly with your financial capability. Our primary focus is to evaluate your borrowing capacity, ensuring that your loan amount aligns seamlessly with your credit history, income, and savings. Notably, we assist you in navigating lenders mortgage insurance (LMI) and manage all aspects of your loan to value ratio (LVR), which plays a critical role in determining your eligibility and loan interest rate options. Whether you're opting for a fixed interest rate loan or a variable loan rate, understanding these elements is crucial in calculating loan repayments accurately.
Navigating the application process can often be daunting. Our streamlined process is designed to be user-friendly, taking the hassle out of applying for a loan. We guide you on how to prepare your loan application, including organising necessary documents like bank statements. Additionally, having loan pre-approval in place can give you a significant advantage, offering you a clearer picture of your budget as you explore properties. By getting pre-approved, you can act promptly when your ideal home becomes available, ensuring you're one step ahead in the competitive market.
Moreover, we provide thorough guidance on potential interest rate discounts and how they might apply to your situation. Understanding the implications of a variable interest rate versus a fixed interest rate also forms a vital part of our advisory service. And for those looking to expand their property portfolio, our insights into investment loans and home equity release can optimise your financial strategies. Comprehending the ins and outs of stamp duty and offset accounts further adds layers of benefits to your financial planning and overall loan management strategy.
Harnessing the expertise of a local mortgage broker like Rizon Finance enables you to make informed decisions. Whether you're applying for a loan for the first time or you're a seasoned investor, we ensure every facet of your application reflects the best of your interest. As you prepare to step into the Mount Duneed property market, let us take the lead in connecting you with optimal loan options tailored to your needs.
Our dedicated service at Rizon Finance extends beyond simply securing a home loan. We commit to empowering you with knowledge and facilitating choices that reinforce your financial future. Ready to embark on your property journey in Mount Duneed? Contact Rizon Finance today, and let’s begin with a no-obligation consultation to evaluate how we can assist you in achieving your home ownership goals efficiently.
Get in touch with your local Mortgage Broker in Mount Duneed, VIC 3217
Get your Borrowing CapacityInitial Consultation – Let’s Chat
Start your journey with a no-obligation chat with one of our qualified Mortgage Brokers. We’ll take the time to understand your situation, goals and timelines. This gives us the opportunity to ensure we are the right fit for each other and a chance to answer any questions you may have. We’ll walk you through the process, any costs, and what documentation you need to prepare for the next steps.
10-30 minutes
Information Gathering – Get Application Ready
Working together, we’ll get you application ready by understanding your personal and financial situation, including your assets, liabilities, living expenses and credit history. We’ll collect all supporting documents (ID, bank account/loan statements) and guide you through different loan features to ensure our advice recommends the most suitable products for your needs, such as fixed or variable rates and offset accounts. All this is done through our online portal, where you can track your progress every step of the way.
60 minutes (depending on complexity)
Recommendation – Solving the challenge
After reviewing your information, we’ll present you with tailored solutions from different lenders. We’ll explain these solutions, our recommended product(s), and the reasons behind our recommendations. We’ll explain the costs associated with the product and all its features, putting you in an informed position to confidently move forward with a formal application or pre-approval.
Up to 48 hours
Application or Pre-Approval – Taking the Next Step
We’ll submit the application and manage the process with the lender to ensure we get a decision as quickly as possible.
Once you’re approved, it’s time to pack. If you’ve not yet found a property, you can start bidding or making offers with confidence.
1-7 days
Settlement - Moving Day
Congratulations, you’ve secured your new home. Upon settlement, your home loan is officially drawn down, and you’ll be all set to move forward. We will help you navigate the settlement process together with your conveyancer, making the process as smooth as possible, leaving you free to focus on the purchase and planning your future.
1 day
Beyond Settlement – We’re with you every step of your journey
Unlike the banks, we don’t disappear after settlement. We’ll continue to monitor your loan, ensuring you’re always on a great rate and have the best loan structure for your needs. If life changes and you need to refinance, adjust your loan, or have questions, we’re here for you.
Our goal is to make sure you are fully supported before, during and after your purchase.
Think of us as your Broker for life.
At Rizon Finance, the mission is simple: to simplify the complex, remove uncertainty, and give people the confidence to succeed.Whether it’s buying a first home, refinancing, investing, or securing business finance, the focus is on making the process clear, stress-free, and empowering.
At the core of everything Rizon Finance does is a simple belief: when you succeed, we succeed. That’s why the time is taken to truly understand your goals, dreams, and financial situation to deliver a tailored solution that works for you. We'll help you get into the local Mount Duneed property market sooner with out expertise.
Let Rizon Finance, your Mount Duneed Mortgage Broker be your guide in this exciting journey. We simplify the complexities, negotiate the best deals, and ensure you have all the support you need to move into your dream home.
With Rizon Finance, your property purchase is closer than you think.
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Jayden Shepard
Dan was extremely helpful and knowledgable. Helped us with all our questions with a fast response each time and got us ...
AM
Ashlea Miller-Pickersgill
Dan helped us get a house after being out of the market for a year or so. We've sold and bought houses previously but this time was definitely the easiest and most relaxed. Even being in a different state his programs were easy to use when ...
aj
anthony jones
daniel was amazing to deal with nothing was to much trouble when it came to helping us highly recomended
The Australian Government offers a number of schemes to assist first home buyers, such as:
• A $10,000 First Home Owner Grant when building a new home valued under $750k
• Stamp duty exemptions for properties valued less than $600k
• Concessional stamp duty rates on properties valued at $600-750k
• Access to shared equity and 5% deposits through the Victorian Homebuyers Fund (VHF)
• Federal schemes, including the Home Guarantee Scheme, Help to Buy, and First Home Super Saver Scheme (FHSSS)
Rizon Finance specialise in this area as we understand it can be a challenge as not all lenders would consider these circumstances. We have access to niche lenders that accommodate this type of lending.
There are a variety of home loan products available, each with its own features and benefits. Some common types include:
• Fixed-rate loans: Offer certainty in your repayments over a fixed term.
• Variable-rate loans: Interest rates can fluctuate with market conditions.
• Interest-only loans: You only repay the interest on the loan for a set period, then begin repaying the principal amount.
We can explain the different loan options and help you choose the one that best suits your needs.
We certainly can. We help you navigate what assistance may be available to you as we understand getting your foot on the ladder as a first home buyer can be a difficult and daunting process.
We understand there are many reasons why people may experience forms of financial difficulty/credit problems and work with each scenario to understand them. Rizon Finance can speak to each lender to fight your case to secure lending.
The comparison rate is a more accurate reflection of the true cost of a loan than the advertised interest rate. It includes the interest rate as well as most fees and charges associated with the loan. Comparing the comparison rates of different loans will help you find the most cost-effective option.
Rizon Finance can understand your business and source great deals for Self-employed applicants.
We’re more than just a home loan broker—we’re your partners with all your borrowing needs. Here’s what sets us apart:
• 💰 Free, Transparent Advice - lenders pay us for the service. Any commissions we will receive are disclosed before you proceed.
• 🔍 Extensive Lender Network: Access to top banks and many specialist lenders across Australia.
• 🏡 Tailored Loan Options: Whether you prefer variable rates for flexibility or fixed rates for stability, we’ll find the best fit for your circumstances
• 💡 Expert Guidance on First Home Buyer Grants: We help you navigate grants, stamp duty concessions, and more to save you thousands.
• 📲 Convenient & Mobile: Need an online mortgage broker or prefer a face-to-face meeting? We’re flexible to suit your needs depending on where you reside.
There are many benefits to using Rizon Finance. Here are a few:
• Access to a wider range of lenders: Rizon Finance work with a large and reputable panel of lenders, so we can find you a loan that best suits your needs and financial situation, even if you don't qualify for a loan from your own bank.
• Personalised service: Rizon Finance take the time to understand your individual circumstances and goals, and then recommend the best loan options for you.
• Expertise in navigating the loan application process: Rizon Finance assist with all the paperwork and liaise with lenders on your behalf, saving you time and stress.
• Compliance: Rizon Finance operate in a highly regulated environment and provide recommendations. Therefore, we have a duty to all our clients to provide appropriate products in the best interests of our clients
The amount you can borrow will depend on a number of factors, including your income, expenses, savings, credit score, and the property value. We can help you determine your borrowing capacity and ensure you borrow responsibly.
The documents you will need to provide will vary depending on your individual circumstances and lender, but some common documents include:
• Proof of income (payslips, tax returns)
• Photo ID
• Bank statements
• Evidence of savings deposit
• Details of the property you are purchasing (contract of sale)
• Details of assets
• Statements for liabilities
Rizon Finance will provide you with a complete list of required documents once we begin working with you.
The loan application process typically takes 4-6 weeks, but this can vary depending on the complexity of your application and the lender's processing times. We will keep you updated throughout the process.
Busy schedule? We’ve got you covered! Our remote service means we are not tied to a desk and an office. All meetings can be done virtually and information shared via our simple system that you will be given access to. This makes the process quick and simple saving us both valuable time to get the paperwork done.
Don't despair! We can help you understand why your application was declined and work with you to improve your chances of approval in the future. This may involve improving your credit score, saving a larger deposit, or finding a guarantor.
Rizon Finance do not charge you any fees. We get paid a commission by the lenders. All commissions are disclosed and discussed upfront before you proceed with an application.
In addition to your mortgage repayments, there can be a number of ongoing costs associated with a home loan, such as establishment fees, account fees, and lenders mortgage insurance (if applicable). Rizon Finance will help you understand these costs and factor them into your budget.
Rizon Finance ABN: 90 232 048 159, Tomlinson, Daniel ABN: 90 232 048 159. Credit Representative #561000 is authorised under Australian Credit License #384324.
Disclaimer: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.
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