Our Loan Services

First Home Buyers

Saving for, buying and paying off your first home can seem like a daunting process – but it’s definitely worth the effort. And buying a home is really quite straight forward, though as with all new experiences, there may be some aspects you are uncertain about.

Your We Know Loans First Home Buyers guide provides information on key topics relevant to first home buyers.

We hope you find it useful, and of course, if you have any questions call us on 03 5977 9545 and speak to Pauline or Derek.

Next Home Buyers

Life is all about change. A growing family could mean you need a little extra room. You may prefer to live closer to schools or work. Perhaps it’s time to downsize once the kids have moved out!

Talk to We Know Loans for options including a portable home loan where you take your loan with you to the next house, retaining your existing home as a rental property, bridging finance if you have found the perfect home but haven’t sold yours yet, or a pre-approval to make sure you are in the best place to buy.

Having purchased a home before you probably already have a good idea how the process works. Now may be the time to learn about some of the other features that can help you manage your borrowings and repay your loan faster.

Commercial Loans

Looking to buy or build an office, retail or industrial space for your own business or as an investment? Perhaps something bigger or more unique such as restaurants, caravan parks, childcare centres or petrol stations…

Commercial finance is also available to build your unique space or renovate an existing one. If you already have commercial finance refinancing is an option to take advantage of lower interest rates or more favourable loan terms.

Let us help you in finding the funding for the capital growth of your business or investment portfolio. We are qualified, experienced and have access to Australia’s largest commercial lenders as well as some specialised lenders.

Equity Release

A seniors equity release home loan or reverse mortgage, allows you to access the equity in your home.

The loan is secured by your property and the amount you can borrow is determined by the property value, any loan that already exists and the applicants age/s.

The money can be used for any worthwhile purpose so you can buy a new car, organize a care facility or take that big trip you’ve always talked about.

The borrower isn’t required to make payments as the interest will be capitalized onto the original loan amount. However, it is possible to make voluntary payments if you wish.

The money can be paid to you in a lump sum, an ongoing regular payment to supplement your income or a combination of both.

SEQUAL stands for Senior Australians Equity Release Association of Lenders, they are the industry body that oversees and regulates the provision of equity release loans. SEQUAL lenders and brokers abide by a strict code of conduct and accredited brokers must undertake ongoing professional development and are reviewed annually. Pauline has been a SEQUAL accredited mortgage adviser since 2008 and is able to provide detailed and honest information if this is something you are considering.