Residential

New home loan

If you are looking to purchase your first home or upgrade your existing property, APF can assist with sourcing the finance and explain the different options of variable rate or fixed interest and basic home loan or professional package.

APF will explain the strategies you can use to save years from your mortgage and own your home sooner. These include depositing all surplus funds into a 100% offset account which reduce the interest component charged to your loan.

APF has assisted hundreds of first home buyers secure their first property. We will explain the whole process from obtaining a pre-approval for finance right through to settlement of the property, including the submission of your first home owners grant and everything in between.

Investment loan

Purchasing an investment property can provide many benefits including capital growth and tax benefits of negative gearing and depreciation. In consultation with your accountant APF can structure an investment loan to maximise these tax benefits and assist with growing your property portfolio.

Refinance

APF can review your existing mortgage and determine if refinancing to a new lender will save you interest. With access to over 30 lenders in the finance market APF can source the most viable finance solution for your requirements.

Refinancing can also be a useful strategy for debt consolidation of unsecured debts such as personal loans and credit cards. By consolidating these debts against your property you can reduce the interest charged and pay off these debts more quickly.

APF can also show you how to unlock the equity in your property for home renovations or future investments.