Finance & Loans
Finance & Loans
- Owner occupier home loans for first home buyers
- Loans for property investors
- Finance for Trusts and Investment Structures, including Self-Managed Superannuation Funds
- Business loans for Commercial Real Estate
- Finance for Property Renovators & Developers
- Re-financing for a better deal, lower interest rate loans or more flexible re-payments
Chan & Naylor have a team of experienced and professional mortgage brokers – we do our due diligence soundly and come up with the best available finance strategies for your individual and business needs.
We regularly review client portfolios to identify opportunities for them to save and assist with renegotiating a better deal with their current lender or seek out a better loan from a different lender.
Do Yourself a Favour – Let’s Keep the Banks Honest!
Many of our clients have found that undertaking this review, is a valuable tool to assist with their financial planning needs.
The world of finance is forever changing, especially now in the midst of COVID-19, and it’s for this reason why it’s important that you have someone in your corner that understands this thoroughly.
Our objective is to keep the money in your pocket rather than outlaying thousands to the banks unnecessarily. It is important to note that at the moment, most lenders have dramatically reduced interest rates for refinancing.
We are here to help if you’re looking to purchase, refinance, consolidate or just need someone to look over your current loans. Our Finance team typically assist our clients with:
- Refinancing for a better deal – better rate, and more flexible re-payments. Some interest rates are at record lows
- Saving on loan repayments – finance for individuals, Trusts, Investments, including SMSF
- Secure loans for first home buyers, property investors, commercial real estate, with the banks competing to win your mortgage business.
The advantage is that as your accountants, we will work together with our loan team to ensure that all your circumstances, including structures & investments, are fully understood. Talk to our specialist loan broker Lucy Ramuno on 03 9370 4800 or via email firstname.lastname@example.org
Need a second opinion? Want a better loan? Talk to us today.
Having the right finance in place and pre-approved by the lender before you go in to make offers on your future family home is important. It means that not only do you have a lender and product that you’ve had time to choose in a relaxed and considered way, but you’re ready to move quickly to secure that bargain you’ve found ahead of other potential buyers.
We write to over thirty lenders, bank and non-bank – great choice of products and rates for owner occupier loans.
Need Your First Home Loan?
Buying your first home is exciting and a little scary at the same time. Not only are you faced with the challenge of finding the right property to become your first home, but you also need to know you’re getting the right first home loan. Talk to us and we’ll guide you through every stage of the process and ensure you’re ‘set up to win’ right from the start.
Buying your next home?
Whether you are looking to up size for a growing family, or downsize for various reasons, we can work with your existing lender, or in some cases find a better one to finance your next purchase.
Most investors spend a lot of time and effort finding the right property to add to an investment portfolio. They research the profitability and they know how much rental income they’ll receive. They understand the concept of capital growth and they know they need to speak to an accountant about the best possible depreciation schedules they can find and the right structure for a prospective purchase.
So why don’t investors go to the same amount of effort and depth when researching the right investment loan?
Talk to any of our Brokers about how to secure and structure the best finance for your investment purchase.
We make sure that you get the most suitable loan product(s) for your current situation and in recommending new lenders we will ensure you are on the best rates and lowest fees possible for your situation.
You can often save thousands of dollars a year on changing the lenders you currently have PLUS restructure loans so properties are not cross collateralised and that you are accessing the available equity in your properties if you need it for your next wealth creation steps.
Through Chan & Naylor Melbourne you get access to hundreds of loans from 30 banks and lending institutions, and will be able to offer you a choice of mortgage refinancing options to ensure your loan refinance brings you maximum financial benefits.
Discover more about your mortgage refinancing options and how we can help you- click here to request your free 10 minute phone consult or call us to arrange a Broker to discuss your situation.
Renovation & Development Finance
Construction, refinance and development finance can be a little complicated and need careful pre-planning so you can complete the plans you have in mind successfully.
Be sure to check with us what finance options you do have available before you commit to purchasing a development site.
Financing Trusts & Complex Structures
Leasing & Business Finance
If it is plant and equipment your business needs or office fit-outs then we can offer a range of chattel mortgages, leasing and hire purchase finance arrangements quickly and competitively. Low docs options are also available. Most of these finance options are also available to our individual borrowers, as are our smaller unsecured personal loans. We can make getting your next car loan easy.
We access many SMSF lending products and can team with you to help you create wealth through your Self Managed Super Fund investments.