Investing in property
With the right knowledge we can help you plan your property investment
What can you afford
At Beluga Financial we help you to understand the amount you can borrow as it will impact the type of investment property you can purchase
We work out how much you can borrow based on your income and expenses. Decide how much you are comfortable paying Most banks will require you to have a 20% deposit and require payment for upfront costs such as stamp duty and legal fees. If you have an existing property we can help you to unlock value from your existing property to purchase another.
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 investment property we submit your home loan application. Review them 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