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Buy a Property
First Home Buyers
If finding enough money for your first home is difficult
the Onyx 106% Loan can provide up to 106% of the property value and allow you to use gifts and the First
Home Owners Grant as your contribution to the property
purchase.
If you require a home loan of over 90% our Extra
Care Program can assist you.
You have to live with your loan for a long time so you
need a fully featured loan which can change as your needs
change. The Onyx Structured Loan can be applied to meet
your individual needs such as minimising
repayments, or paying
off your loan faster.
When buying at auction or negotiating a sale you need
confidence that you can obtain a home loan. We can provide
an approval-in-principle
or a conditional
approval before you commit to a property purchase.
When buying your first home your Onyx Advisor can step
you through the home loan process (including applying
for the First
Home Owners Grant) and continue to assist you for
the life of the loan.
Moving Home
Juggling the timing of selling one home and buying another
can be stressful. You want to be sure your home loan will
be there when you need it. Your Onyx Advisor will be committed
and accountable to you, and will give you quick answers.
Your Onyx Advisor can discuss with you the home loan structures
that best suit your needs and perhaps open your eyes to
options you hadn't considered.
When buying at auction or negotiating a sale you need
confidence that you can obtain a home loan. We can provide
an approval-in-principle
or a conditional
approval before you commit to a property purchase.
Buying off-the-plan
Home loan companies have never really addressed the specific
needs of off-the-plan property purchasers as buyers generally
have had to borrow against the contract price, rather
than the value of the property at settlement. Onyx is
different.
Many off-the-plan purchasers seek to purchase a property
with little or no requirement to draw on their savings.
The Onyx Leverage
Loan is specifically for off-the-plan properties and
can provide up to 100% of contract price where there has
been sufficient growth in the value of the property.
Investment
When you're a property investor you're concerned not only
with the right product choice but also with having the
right strategy. As an investor you can't afford to choose
a home loan out of a rate table in a magazine or software
program. You need a finance person on your investment
team for the long haul. One who can help you maximise
your financial leverage. As an investor you will be interested
in our Lo Doc
options. We can provide loans which will;
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