Buying your next home
We have the tools to get you moving
What can you afford
At Beluga Financial we understand your financial circumstances may have changed since you were a first home buyer we help you figure out how much you can afford
We work out how much you can borrow based on your income and expenses. Decide how much you are comfortable paying. Work out your upfront costs stamp duty which will be your biggest cost outside of deposit and mortgage
This way you can focus on looking for a house that is within your budget
Finding the right home loan for you
Our goal is to help you to find the right home loan that suits your needs
We offer different home loans types and will help you choose the one that has the flexibility that you need.
Fixed rates so you always know how much you will pay for a period of 1-5 years
Variable rates get flexibility with a wide range of benefits and features such as offset accounts
We also help you to choose the repayment options that best suite you
Principle and interest so you can pay your loan balance and its interest
Interest Only where you pay just the interest on the loan for a limited time
Approvals and Settlements
We are with you through the whole approval process
We help ensure you get conditional pre-approvals so you can shop around with confidence.
Once you have found your dream home we submit your home loan application. Review the loan for necessary checks and let you know if your loan is approved.
We arrange the settlement date with your solicitor/conveyancer and you can settle and move in
We ensure the settlements happen so you don’t have to worry.
Making your loan work for you
We understand circumstance change and we help you manage your home loan as they do we can help you to
Change loan types
Change your repayments
Redraw additional payments
Help to finance your next property
At Beluga Financial we are not the banks we strive to ensure you can meet your financial goals if your circumstances change