Being confused when buying your first-home?

When purchasing your first home, you may not be aware of your state taxation obligations and entitlements. It is important to know what these are to ensure that you budget for any taxation liabilities and don’t get caught out with any unexpected taxes or levies.

For information on Stamp Duty in Victoria and the First Home Owner Grant
(please click below link)
http://www.sro.vic.gov.au/first-home-buyer

Buying your first home can be both exciting and overwhelming; at Uniik Finance we have the knowledge and experience to advise you on all aspects of buying your first home. Are you ready to buy your first home? What deposit will you require, how much can you borrow?
We will take all the guess work out of it, streamline the whole process and get you into your first home.

If you’re thinking of building or buying your next home, the right home loan is more important than ever before. You now have some equity in your home and a good time for you to compare your current home loan to other loans in the market. Is a fixed or variable interest rate best for you?

At Uniik Finance we will compare hundreds of loans from our panel of lenders to find the perfect loan for your personal circumstances. We can show you all the available options to help you make the right choice, saving you time and energy.

Investors build wealth through investment property

Investing in property can be a good way to build your wealth. Do you want to unlock the equity built up in your current property to purchase further properties? Banks or other lenders offer a variety of home loan, investment loans products with differences in maximum borrowing amounts, rates and features. Hence, your Uniik Finance Advisor will compare and contrast many products available on the market to find the best options that suit your plans.

Depending on your specific situation, you may also be in a position to expand your property portfolio, undertake redevelopment projects. You may also take advantage of the tax benefits of paying your interest in advance, finance renovations on your home, or even top up your superannuation.

There are a variety of reasons to think about home loan refinancing.

This can include:

• Consolidating debts to take advantage of lower interest rates
• Covering the cost of home renovations or a new home build
• Finding a better deal to save on interest and reduce repayment

When considering refinancing your home loan, there are many factors to think about; it’s not just about the interest rate, you need to consider any other costs such as entry or exit fees, application fees and ongoing bank charges.

What brokers do and how could they benefit you?

A mortgage broker is a professional who can liaise with lenders on your behalf to get you a home loan. Brokers have access to a variety of different lenders and loans and will help you choose a product that best suits your unique financial situation. At Uniik Finance, brokers will take time to get understand you and assess your financial situation by analysing your spending habits, income, previous and current debts.  This will allow us to determine your borrowing power and serviceability. Afterwards, we can look at and compare the features and benefits of all options from a variety of different lenders to obtain a loan that will meet your current and future goals.

For many years, Uniik Finance clients have been growing their wealth through carefully planned residential or commercial property development. To do so, we have access to construction and development finance for most residential developments involving low and high rise level projects. Nevertheless, finance is available from major banks as well as private funders/investors. Our key focus is the asset and the business plan.

Majority of our residential construction lending requires minimal pre-sales, depending on the debt level and or overall asset and exit position. This allows the developers not to discount heavily at the start. Stronger developers with a high demand product and lower debt levels require no pre-sales.

At Uniik Finance, we look to minimise your use of capital for the initial purchase as well as provide flexibility for the next projects.