Choosing the right home loan can depend on a number of factors. Even if you have an existing mortgage it is worth talking to us so we can ensure you have the best mortgage for your needs.
Buying a home can be stressful, but at Gold8 we take the stress out of finding the right home loan to suit your needs.
We know the market so can offer professional advice on when is the best time to buy or sell, how to get the best mortgage available and how to refinance or consolidate debt.
We work with most leading banks and financial institutions so we can secure the best possible outcome for our clients.
When buying or selling a residential property it helps to know the local real estate market.
At Gold8 Financial Services we can offer informed advice, whether you are buying your first home, want to invest in residential properties, or for landlords wanting to expand their portfolio. We provide advice on home and land loans, property investment loans, refinancing, top-up loans, construction loans, and development loans.
For people who already have outstanding loans we can advise on credit impairment loans and debt consolidation - whatever it takes for you to reach your financial goals.
Fixed interest loans
The interest rate you pay does not change for the term of the loan. Once the term expires you can either choose another fixed loan or change to a floating interest rate loan. Fixed interest loans are advantageous when rates are low as you know that if the rate increases you will keep paying the same amount until you loan term expires.
Floating interest loans
Interest rates will go up or down according to changes in the financial markets. You have more flexibility than with a fixed interest loan and have the option of paying the loan off faster and making lump sum payments without incurring penalties. If interest rates go down you can pay your loan off faster, but if interest rates increase you can be paying higher interest than on a fixed interest loan