Easy 10 Step Mortgage Process

10 Easy Steps of the Mortgage Process

Obtaining a loan can be confusing - read our basics to assist your next mortgage process.

1. Interview
During your initial meeting with the Mortgage Professional they will listen to your requirements and will explain the features and benefits of loans that may work with your situation. They will discuss and provide you with numerous options available to suit your needs. Once you are happy with your selection of the loan product, the loan process will commence.

2. Loan Application
Your Mortgage Professional will work with you through a number of documents including a Needs Analysis and Credit Quote and Proposal and then complete the lender's application that you have chosen. They will explain what is required in relation to the necessary documentation which is to be included so they can lodge your home or investment loan application.  Read more…

Turning dreams into reality

Working hard to turn your dreams into reality

Whether you're dreaming of a new home, renovating your existing property or purchasing a rural retreat, David Seymour at Regional Finance Solutions will not only work hard to get you the very best deal, his aim is to work for you to turn your dreams into reality.

David is passionate about looking after his client's needs and, with the resources of the Regional Finance Solutions team, has the advantage to choose between a number of banks and other lenders to find the deal that works for you.

So if you are looking for the right loan to suit your needs, now is the time to talk to David.

Self Employed? Changed jobs? New to the area? No problem. David is here to help and understands that not all people fit into the 'big bank' box.

Don't waste your time running around from bank to bank. Let David help you with:  Read more…

Does your loan meet your needs

Does your current loan still meet your needs?
Is it time for an INVESTMENT LOAN health check?

Over time circumstances change. So it is important to check - does the loan you currently have still meet your needs?

With talk of variable interest rate rises, should you be considering the options of fixed rates to protect yourself against future interest rate hikes?

Lending Specialist, David Seymour, from Regional Finance Solutions (Northern Rivers) can provide a complimentary review on your investment property loan to ensure it is still right for you.  Read more…

Regional Finance Solutions

Planning on buying a new asset for your business? 

Now is the time to talk to your accountant and broker.

Almost every business has, or should have, some type of equipment finance.  It may be as simple as the car that you use to run around town with, all the way through to manufacturing and transport equipment. 

Ask yourself these basic questions: 

  • Is the asset being purchased used wholly or mainly for business purposes?
  • Is the asset used in your business to assist management, or to make a profit?
  • Is the asset moveable?
  • Does the asset have a serial number?
  • Is it an 'off the shelf' asset that has a ready resale market?

If you answered yes to these simple questions then generally the asset you are buying can be financed by the group of finance products called 'equipment finance'. Read more…

Collins Hume
is a CPA Business