Our Financial Services

Residential Home Loans

Applying for a mortgage can be confusing. There are so many options out there. Low rates, honeymoon rates, comparison rates, offsets, redraw, P&I or IO repayment, Fixed or Variable. It's times like these when you need expert advice to help you navigate through all the jargon and get real about what you need in a home loan. Sometimes it really is about low rates and fees but other times you need features to help you advance to where you want to go. First-home buyers usually want low rates and fees, however, investors are more focused on products and features.

Whether you are upsizing, downsizing, moving or just want a change, we can walk you through the different types of loans and work out which is the most suitable for your individual circumstance.

Navigating the various types of loans can be overwhelming. Decisions need to be made regarding the type of repayments, frequency of repayments, product features, fees and much more.  Let an expert walk you through all of this at a pace you are comfortable with.

First Home Buyers

There are so many options now for First Home Buyers - Stamp duty exemption, First Home Owners Grant or Boost, First Home Super Saver Scheme, and the latest government initiative the First Home Loan Deposit Scheme. It's hard to keep up with the latest data and what if you don't qualify for any of these? What do you do then?

What is the best move for you? Buy Established? Construction? Purchase land now, build later? House and Land package? Often times First Home buys have so many questions and it can feel overwhelming.

We can help you with these decisions and walk you through the process step by step.

We also submit your applications for the various government schemes for you. If you don't qualify for any of these we can show you how you can still get into your first home.

In addition, we will provide you with complimentary property reports for any properties you are interested in. Just complete the contact form below with the property address, and we will send you a comprehensive report. Get all the information including time on the market, failed campaigns, rented periods, sales history, demographics of the suburb, and much more!

Construction Loans

With so many grants and incentives at the moment, it's extremely enticing to consider building instead of buying established. Building a home can be so exciting if you get it right. In reality, construction loans can be stressful. Some banks get this so right while others get it so wrong. Our goal is to make sure your lender knows exactly how to get construction right.

As your Mortgage Broker, we can make the whole experience more enjoyable for you. We are here to make sure you get the right lender, the best rate, and that it all runs smoothly.

Renovation Loans

Did you know that if you are planning a renovation, swimming pool, extension or any improvements to your home, we can rely on the on completion valuation to establish the equity available? This means your home is valued as though the planned works have already been done. This increases the equity available to you so that you can complete your improvements without going into mortgage insurance territory.

Refinancing

If your bank just won't come to the party, then it's time to refinance. The right bank is so important. You may have chased the best rate on the day and now your rates are higher than anyone else in the market.  You might be stuck with terrible service and just need to move. You might want to do something new your bank doesn't agree to.

Whatever it is, we know not only who has good rates today, but who has consistently low rates all the time. We know which banks will allow us to do a rate review each year and which will not. We know which banks have the best policies and who are more flexible post-settlement. These are all so important when choosing a bank, it's never just about the rate.

Debt Consolidation

It's not uncommon to find yourself in more debt than you planned. Wrapping up smaller more expensive debts into your home loan has its benefits. You might just need to free up some cash, maximise borrowing capacity or pay out high-interest loans with huge repayments.  All of these are great reasons to do a debt consolidation. We can structure your debt correctly to ensure it doesn't take you 30 years to pay off your credit cards or car loan. Still reducing your monthly repayments and ensuring you put yourself in a better position financially for the future.

Single Parents

At Cobblestone Financial we are 100% dedicated to helping single parents get back in the market after a divorce or separation.

We have set up a private Facebook group for single parents to ask questions, get help & support and feel empowered to move forward with the next chapter in life.

There are experts in this group to assist you with difficult decisions and keep you informed.