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Finance Steps for Building a New Home

Finance Steps for Building a New Home
Building you dream home is an exciting venture, however can be very confusing.  Get it wrong and the consequences can be costly and long lasting.  We have put together the process below in order to try and assist those looking to build their new home.  Please keep in mind this a guide and things can change along the process. Many builders and land agents will have their own finance arm.  At... more

What is a Mortgage Finance Broker

What is a Mortgage Finance Broker
The use of a Mortgage Finance Broker is now the number one choice for consumers who are seeking a home loan or to refinance their existing loan. Businesses too use finance brokers to help them with their finance needs from car and equipment leasing to loans to help their businesses expand. WHAT MORTGAGE FINANCE BROKERS DO Brokers work with clients to determine their borrowing needs and ability,... more

How Much Deposit do I Need?

How Much Deposit do I Need?
A common question from clients when looking to enter the property market is, 'How Much Deposit Do I Need?'  Note: there is a difference between ‘the deposit required to secure a purchase of a property’ vs ‘the deposit required to obtain a loan to purchase a property’.  This article will focus on the deposit required to obtain a loan - more details on the difference can be found... more

Improve your Household Cash Flow

Improve your Household Cash Flow
Refinancing and consolidating your home loan and other personal debts into ONE LOAN can significantly improve your household cash flow and ease financial stress…. An example on how to save nearly $800 a month * OLD Debt Position Loan balances Monthly payments Existing Home Loan (5.5% pa standard variable, 22 years left to run) $323,500 $2,115 Existing Personal Loan $  ... more

Post Home Purchase

Post Home Purchase
Congratulations on buying your new home! WHAT NOW??? In case you’re wondering what happens now, we have set out below a list of things that you will need to attend to before you move in. Cooling Off ALL STATES Does not apply to properties bought at Auction SA Cooling off expires at the end of the second clear business day after the Form 1 has been served on the Buyer QLD 5 business... more

Home Purchase Process

Home Purchase Process
HBF Finance can guide you through the steps involved in applying for a home loan. We will see you through to final settlement on your home or investment property.  We will help you to work out how much you can borrow and to find a suitable loan. A successful purchase would typically involve the following steps: Find out how much you can borrow Arrange for home loan pre-approval Search... more

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