Services
First Home Buyers
Why Use a Mortgage Broker for Your First Home Purchase?
Embarking on the journey to buy your first home can be both exciting and overwhelming. At Wealthstream Finance, we’re here to simplify the process and provide you with the expert guidance you need. We have successfully supported numerous first home buyers in securing home loans and we’re committed to helping you do the same.
We’ll guide you through every step, from understanding government grants and schemes to navigating the auction process, meeting genuine savings requirements and exploring options like parental guarantees. With so many factors to consider—such as loan size, loan term, interest rates and repayment methods—it’s essential to have a knowledgeable mortgage broker by your side.
Whether you’re unsure of where to start or need help determining the right loan for your situation, we’re here to assist. We’ll also ensure you are aware of and eligible for all applicable government grants, making the path to homeownership as smooth and rewarding as possible.
Home Loans
Navigating the home loan process can be overwhelming but at Wealthstream Finance, we simplify it for you. We take your stress out by providing clear guidance, ensuring you have the knowledge to make informed decisions. Our relationship with clients doesn’t end at loan approval—we’re here for the long haul, offering ongoing advice to support you throughout your financial journey.
Choosing a mortgage broker means your interests come first. Governed by Responsible Lending guidelines and a Best Interests Duty obligation, we recommend loan products that genuinely align with your needs, free from any influence by lender relationships or commission structures.
We work with a wide panel of lenders, giving you access to a broad range of competitive loan options. This variety ensures that we can find the best fit for your unique situation, manage potential valuation issues and negotiate favourable terms on your behalf.
Our process is personalized and client-focused. We start by understanding your specific needs and goals, then work to secure a loan that meets them. Even after your loan is settled, we continue to provide support, ensuring your financial solution remains aligned with your best interests, both now and in the future.
Refinance
Refinancing can be an effective way to lower your home loan payments or secure a better interest rate, especially with rising interest rates. It also offers an opportunity to consolidate debts, resulting in increased cash-flow and reduced monthly payments at more competitive rates. You can choose between traditional refinancing, where you take a new loan equal to your existing one, or opt for a cash-out refinance, obtaining a new loan greater than your current balance.
With access to over 30 lenders, Wealthstream Finance offers a wide range of refinancing products tailored to your needs. We consider your future plans to help you refine and advance your financial strategy.
As your financial situation evolves, the loan that once suited you may no longer be the best fit. Refinancing allows you to switch to a loan that better aligns with your current needs, whether that means a lower interest rate or more favourable terms. However, it’s crucial to ensure that refinancing is the right long-term decision.
We stay up-to-date with the latest finance options and will work with you to identify the most suitable solutions. With so many loan options available, Wealthstream Finance can save you valuable time and effort in finding the right refinancing product for you.
Investment Property Loans
When it is done right, investing in property can help you to build wealth for your future. In Australia, property is currently a very popular investment and many people are enthusiastically jumping into the market to build long term wealth for them and their family. But it takes careful planning and structuring of your investment property loans for your journey to be a success.
Ensuring you have the correct investment loan structure is so important when planning for future property purchases.
We would be happy to review your current investment loan structure to ensure the foundations of your portfolio are on solid ground.
Complimentary review of your borrowing capacity
Meeting a lenders borrowing capacity requirements is key. Each lender has their own credit criteria, assessment rates and rules regarding negative gearing. Working with our broker allows you to narrow down all the possible options into an investment loan product that will be in your best interests.
If you already have a mortgage for your own home, you’d be aware that there is a huge array of different products and options available for taking out an investment loan. Before choosing an investment loan, it’s important to consider the factors that could affect the type of loan you choose, including interest rates, fees, costs and other features. We will discuss your needs and circumstances with you and will recommend products that provide a flexible range of options and features.
You can look forward to your wealth creation strategy providing the results you want with our expertise to guide your decisions.
Commercial Loans
Why Consider Commercial Property?
Commercial property can be an excellent investment, whether you’re a seasoned investor or looking for new opportunities. It often provides higher rental yields compared to residential properties and offers the potential to capitalize on growth areas within the business economy. If you’re ready to explore commercial investments, we can help you find the right loan to meet your objectives.
Commercial property loan options aren’t always straightforward, with rates and terms that are often negotiable based on your business background and the security offered. Whether you’re purchasing an office, retail space or industrial property, we’re here to guide you through the financing process and secure a loan that aligns with your goals.
SMSF Loans
An SMSF loan is a home loan used by a self-managed super fund (SMSF) to buy investment property. The returns on the investment, whether rental income or capital gains are reinvested back into the super fund, increasing your retirement savings. However, investing in property through an SMSF involves complex compliance requirements and careful structuring, making expert guidance essential.
The main reason people elect to manage their own superannuation through SMSF is the flexibility to choose where their money is invested. At Wealthstream Finance, we can help you understand the entire process and help you choose an SMSF loan most suited to your requirements.
Car Loans
At Wealthstream Finance, with over 15 years of experience, we offer a full range of car loan products tailored to your specific needs. Whether you’re a business purchasing multiple vehicles, a sole trader or an employee optimizing your car allowance or salary sacrifice, we simplify the process and explain the tax benefits.
Already set on your next vehicle? Don’t overlook your financing options. Many people are unaware of the variety of car loans available that could save you money. Before accepting dealership financing, explore your options with us.
Our Services Include:
New and Used Car Finance: We assist with financing for both new and used vehicles, handling all the paperwork and liaising with dealerships or vendors on your behalf.
Commercial Car Loans: Maximize taxable benefits while maintaining strong cash flow and resource management.
Bridging Loans
A bridging loan is a short-term solution to cover the financial gap when buying a new property before selling your current one. This loan is secured against both properties—the one you’re selling and the one you’re purchasing. Although typically more expensive and usually lasting up to 6 months, bridging loans can be an effective way to manage the transition between homes.
If you’ve found your next home but haven’t yet sold your current property, a bridging loan provides the necessary funds to bridge that gap. With our expertise, we’ll explore your financing options and guide you through the process, ensuring a smooth transition to your new home.
Property Extension and Renovation Loans
Renovating your home can be a significant investment, whether you’re upgrading your kitchen, remodelling your bathroom, adding new rooms or even constructing a granny flat. Home improvement projects often come with high costs and securing the necessary funds can be a challenge. That’s where we come in.
We can assist you in obtaining a renovation loan tailored to your specific needs and vision, ensuring you have the financial support to bring your dream home to life. Whether your project is big or small, we’re here to help make it a reality.
Property Development Loans
If you’re planning to develop/ construct multiple properties on a single block of land or considering a knockdown and rebuild of your existing home, we will assist you every step of the way. Residential Property Development loans are specifically designed to support projects like these, offering flexible structures that cater to multiple developments.
With our expertise, we’ll help you navigate and maximize your lending options, ensuring your project is financially sound and set up for success. Whether you’re expanding your property portfolio or transforming your current space, we’ve got you covered.
