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Dreaming of your New Home?

Home Loan Solutions… Tailor made.

“The right loan will save you a lot of money…lucky you have us to guide you”

Applying for a home loan can be a complicated process. What features do I need? Is variable better than Fixed? Should I be on a home loan package? … there are just too many options out there. Here at Advance Finance Group, our promise is to be right by your side every step of the way, from preparing your application right through to the settlement of your new home or investment property. We take the time to understand your needs and get the right solution for you, every time.

First Home Buyers

Are you a first home buyer looking to enter the property market but not sure where to start? There are so many different boxes to tick when applying for a home loan and the process can be quite daunting. It is an exciting time choosing your first home so let us share it with you. We can guide you through the application process and find a home loan that is just the right fit for you.

Investment properties

We work with our clients to establish and expand their investment property portfolio by offering funding solutions that are aligned to your property wealth strategies. Banks look for two main criteria – Equity and Affordability. Do you have sufficient equity in your current property for deposit and costs on another one AND can you afford another property? Let us do the number crunching to determine if an investment property is achievable for you.

Refinancing

Is your interest rate still competitive? When did you last review your home loan? Would you like to install a pool or a new kitchen, or perhaps renovate? We have access to a wide range of bank and non-bank lenders and work to ensure our customers are getting the best deal on their mortgage.

Mortgage Stress

We can help put the smile back on your dial. If you are struggling to meet your current mortgage, credit card, personal loan and other commitments, we can help! Our non-bank lender panel offer a wide range of home loan options that are not a “one size fits all” solution. We work hard to assist our customers in reducing mortgage stress

Pre-approvals

Having finance already approved allows you to make an offer on a property and often this could be the difference between securing your dream home or having it slip through your fingers. A pre-approval allows you to actively browse the property market knowing that your finance is already approved and all that you have to do is find the right property.

Why trust us with your home loan?

“Because it is a privilege to assist you…one that we do not take lightly”

Approachable

We are easy to talk to and easier to connect with. Ideas, scenarios and information, we’re ready to listen. We strive to understand your vision whether it be for family lifestyle or business growth.

Professional

Experience does count and we have it, awards too. We are experts in financial solutions. Let us search through the maze of lenders to provide you with the right solution.

Dependable

Our team are reliable, trustworthy and can be counted on. Our objective is for long and enriching relationships. We are with you now, and into the future.

Home loans…they are not forever.

“Paying your home loan off quickly is the key to wealth creation…”

Non tax deductable debt is not good debt. Credit cards and personal loans are financial cancer and will eat away at your prosperity. It is easy to build wealth if you minimise your debt exposure. Start by building equity, this will create opportunities so your wealth building strategy can commence.
Here are a few tips to repay your loan as quickly as possible.

Make your payments more frequent.
Interest on home loans is calculated daily, and charged monthly, so making payments more frequently can help reduce the interest you pay over the term of your loan.

Use your redraw facility.
Deposit lump sums into your loan when you can, as this amount will come off your principle and therefore will reduced the amount of interest charged.

Consider a 100% offset account.
An offset account is transactional savings account linked to your home loan. When interest on your home loan is calculated, the balance of your offset account is taken off the principal thereby reducing the amount of interest that is applied to your principle which helps you pay off your home loan faster. Most offset accounts have an annual fee, we will check if this is the right option for you.

Let’s say you have a home loan of $380,000 with an interest rate of 4%. In your transactional offset account, you had $30,000 you would be accruing interest on only $350,000 of your home loan therefore saving you $1,200 per annum in interest.

Schedule Payments.
Set up a scheduled payment from your savings account. With a scheduled payment you are in control of finances by stopping and starting the extra payments when you want. If you paid an extra $200 a fortnight off a $380,000, 30-year home loan you would save $93,187 in interest and 9.2 years off your loan term

“Remember it is hard by the yard but a cinch by the inch”

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What Our Client's Say

"I have been using Gordon and his terrific services for nearly 10 years now. Not once has he let me down and has set the bar extremely high in terms of service and delivering on time. Gordon has secured for me multiple properties, multiple vehicles, construction loans, and has my entire family financially insured. Some of these loans were very complex with multiple parties and properties involved, but Gordon always found a way to make it happen and get the deal done! He is fantastic to work with and truly puts in the effort to understand me as a client and my financial needs. I recommend Gordon to all of my friends and family and not once has he disappointed!"

"A couple of years ago we wanted to buy our first home, but first we need to get our finances in order. We met with Gordon at Advance and he guided us on how to be in a position to be able to purchase our first home. Now, we are living in our first DREAM home, Thanks to Gordon, without him this wouldn’t have been possible! Gordon’s drive and his attention to detail did not stop there! Gordon also helped us get our personal insurances and finances together, to help us aim to live an as organised and stress-free life as possible. Go and see Gordon at Advance, he changed our lives and HE WILL CHANGE YOUR LIFE too! "

"We have been using Gordon for the last 9 years for various loans, business, mortgages and vehicles. We own an electrical contracting business and every time we require advice on loans or insurance, we contact Gordon straight away. We always know it is going he will find us the best loan, at a great rate and that it will be hassle free with the quickest turn around possible. Gordon always goes above and beyond and gets you the best product with the best service. We have no hesitation to recommending him to anyone and everyone we know."

"For the past 5 years Mike and I have entrusted Gordon Dobson from Advance Finance and Insurance Group with our financial matters including business finance, personal loans and also our insurances. From the get go we felt very comfortable in his presence, amazed at this knowledge capacity and professional organisation ability. I know we can count on Gordon at any whim."

"Hi Gordon just a quick note to express our gratitude for arranging finance urgently for us so we could pounce on an opportunity to make some unexcepted money. You came through again as you did with our motor vehicles and equipment financing needs. Great to have you on our side."

"Thank you, Gordon, for getting us started in our own small business, not only did you organise our finances easily and in record time but you handled our insurances too. The advice you gave us on how to manage everything was invaluable. We will be recommending you to anyone that asks about how we did it."