Expert Mortgage Solutions from Three Capes Finance
Navigating the world of home loans can be overwhelming, but with the right guidance, it doesn’t have to be. At Three Capes Finance, we take the stress out of the process by helping you find a home loan that's truly tailored to your needs and goals. From choosing the right lender, and guiding you through to settlement, to continually ensuring your rate is comeptitive, we’ll be with you every step of the way.
When choosing a great home loan, it's the details that can make all the difference. But when you're facing thousands of loan options, it can be hard to know which one is right for your finances in the short and long term. Let us help! We'll lay out your options clearly and handle all the paperwork and communication with the bank, so you can enjoy the process instead of dreading it.
Did you know that Australians with existing loans often pay 0.41% more than new customers, which could mean savings of $1,799 per year on an average loan!*
Refinancing is a smart way to reduce your interest rate, lower repayments, or access equity. At Three Capes Finance, we help you review your loan to ensure you’re not paying more than you need to.
When to Consider Refinancing
1. Consolidating Debts
Combine multiple debts—like credit cards or personal loans—into one repayment with a lower rate to simplify your finances and save money.
2. Accessing Equity
Use your property’s equity to fund renovations, investments, or other goals.
3. End of a Fixed-Rate Term
Avoid being moved to a higher variable rate by refinancing when your fixed rate ends.
4. It’s Been a While
If it’s been over two years since your last review, you may be missing out on better rates or features.
*RBA, 2023
Whether you're taking your first step into property investment, looking to expand your portfolio, or living overseas and looking for expat mortgage advice, having the right loan structure is crucial. A well-designed investment loan can help maximise your returns, enhance your borrowing power, and ensure long-term financial success.
At Three Capes Finance, we specialise in helping investors make informed decisions about their loan options:
1. Tailored Loan Solutions
Every investor’s goals and circumstances are unique. We take the time to understand your financial objectives and create a loan strategy that aligns with your investment plans.
2. Structuring Your Loan for Success
The structure of your loan can have a significant impact on your tax position, cash flow, and ability to scale your portfolio. We provide expert advice and connect you with other industry-leading professionals to ensure you are set up for maximum efficiency, helping you balance risk and growth effectively.
3. Access to Over 35 Lenders
We partner with a wide range of banks and specialist lenders, giving you access to competitive rates and exclusive products. Our extensive panel allows us to find the right loan that suits your strategy, whether you prioritise flexibility, low costs, or long-term stability.
4. Expat Loan Experts
At Three Capes Finance, we specialise in expat mortgages. If you're an Australian, or partner of an Australian, living overseas, look no further. Expat loans can seem complicated, but we have extensive experience and partner with you every step of the way to make your property dreams a reality.
Taking the first step towards owning your home is exciting—but it can also feel overwhelming. Naturally, you’ll have plenty of questions, and that’s where we come in.
We simplify the process with expert advice and personalised support, so you can focus on the joy of buying your first home.
How We Help First Home Buyers
1. Finding the Right Loan
We’ll guide you through a range of loan options to find one that fits your needs and budget.
2. Understanding Deposit Options
Whether you’re using savings, parental guarantees, or other strategies, we’ll help you explore your deposit options.
3. Exploring Government Incentives
We’ll identify any grants or schemes you’re eligible for, like the First Home Owner Grant or stamp duty concessions, to maximise your savings.
