MyLoanWizard

Loans made easy.

Choose the Right Adviser

MyLoanWizard is a mortgage broking company that specializes in working with investors who wish to grow.

We consult with clients and review their financial foundation. We suggest ideas to help clients get their personal finances on track and performing. We discuss debt elimination strategies to reduce debt with the goal to eventually be debt free.

MyLoanWizard is all about providing you with the accurate loan advice and solutions to accelerate you towards your  investment goals. There is nothing like the comfort factor of working with someone who has walked the challenging and sometimes difficult path of the investor.

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What We Offer

Comprehensive Inspection & Property Reports

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For Free Quotes & Advice Call Now 0413 994647   
There’s a reason why MyLoanWizard is highly recommended!Get Free Quote

BUY A HOME

We help Buying homes

Buying a home is one of the most important decisions you’ll make in life.Buying property can be exciting and daunting at the same time. We’re here to help to ensure you’re armed with the right information to help you make the right decisions. Having us on side is the smart way to go and having this site as a handy reference tool will keep you streets ahead.

How much money can I borrow?

We’re all unique when it comes to our finances and borrowing needs. Get an estimate on how much you could borrow with our Home Loan Quote in 30 seconds. Or contact us today, we can help with calculations based on your circumstances.

How do I choose the loan that’s right for me?

Our guides to loan types and features will help you learn about the main options available. There are hundreds of different home loans available, so talk to us today.

How much do I need for a deposit?

Usually between 5% – 10% of the value of a property, which you pay when signing a Contract of Sale. Speak with us to discuss your options for a deposit. You may be able to borrow against the equity in your existing home or an investment property.

REFINANCES

Rate-and-term refinancing to save money

Can I get a mortgage where I pay less than I’m paying now?

With lenders adjusting their rates outside of the reserve bank now is a great time to shop around check that you have the right loan for your needs, we are a great starting point. It will depend what interest rate you’re currently paying, what type of home loan you have (e.g. fixed, variable, interest only, line of credit) and what features you want in your loan. We can quickly explain your options.

Can I consolidate credit card or other debts into a home loan?

This is one of the reasons many people refinance. The advantage is that you pay a much lower interest rate on a mortgage than for most other forms of debt – e.g. credit cards, overdraft facilities, personal loans etc. Providing you have sufficient equity in your property, you may be able to consolidate all your debt on a home loan. If you take this option though it is important to make sure you maintain your repayments at their current level or you could end up paying more over a longer period of time. Speak with us today to discuss your personal needs.

How much money can I borrow?

We’re all unique when it comes to our finances and borrowing needs. Get an estimate on how much you could borrow with our clever loan options tool. Chat to us when you’re ready, we can help with calculations based on your circumstances.

Whether you’re wanting to renovate, consolidating debts, search for other rate options, raise funds for a purchase, change your rates or loan options, refinancing your existing loan may be the way to go.
The mortgage markets are ever changing which is why staying in touch with us on a regular basis is the smart thing to do. We are always more than happy to conduct a review or quick home loan health check on your current loan. Before you look at refinancing, do check out our clever loan options tool or explore our range of calculators and our guide to home loans.

INVESTING

Research and having the right people to help you are the keys when investing in property.

It definitely pays to do your homework on the property market before you dive in, and we’re thrilled to be on board to help you when it comes to financing your decision.
There are a host of options when it comes to investment loans and we’ll be able to walk you through the right solutions for you, so please contact us directly via phone or email and we’ll be back in touch as soon as we can to see how we can help

What’s the difference between an investment loan and an ordinary home loan?

Most of the same types of home loans and loan features apply for investors as for owner occupiers. Some lenders may charge higher rates for investment properties if the associated risks are higher.

Can I use equity in my home as a deposit for an investment property?

Many an investor has started out by utilising the equity of their own home. Banks will usually accept equity in a home (or other property) as additional collateral against which they are prepared to lend. This means you could potentially borrow the full purchase price of the property, as well as all costs (stamp duty and other fees) without having to contribute any cash. The risk in using your home as collateral is that if you can’t fund the mortgage for the investment property, the investment property and your home are at risk. When we meet, we can go through the options you have available.

What is negative gearing?

This is when the cost of owning a property is higher than the income it produces. If the rent you get for an investment property is less than the interest repayments, strata fees, maintenance and other costs, your investment is negatively geared, or making a loss. This loss can be offset against your income, reducing your income tax bill.

Client Testimonials

what clients say about our awesome company
  • I want to thank Sumit for his assistance with the recent refinancing of our home. His expertise and professionalism was outstanding. Hw was available to answer any questions my husband and I had at a moment’s notice.

    Frances
  • Sumit helped us refinance our home, and the process was very smooth. He and his staff are very knowledgeable and professional. We will be using them again for any future transactions.

    Martin

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