Here at the S3F Group we are able to help you with all your residential finance needs.

From the purchase of your first home through to purchase of multiple investment properties, including Self-Managed Super Fund (SMSF), as well as land and construction loans.

Home Loans

Our role as your mortgage specialist is to provide you with a comparison of various loan options from a panel of lenders and assist you with choosing the right loan for your circumstances. Whether you’re buying your first home, upgrading, refinancing, investing in property or wanting to pay off your existing home loan sooner, there are many options available when choosing a home loan.

Because your home loan will probably be your life’s biggest investment it is important that you obtain advice and make a decision based on the options that best suits your personal circumstances. Our role as your mortgage specialist is to guide you through the process to ensure that your needs and options are considered.

Variable loans

These loans are the most common type available. The variable rate loan offers more features and flexibility than the basic or “no frills” loan, so the rate is usually slightly higher.

The extra options (for example a redraw facility, the option to split between fixed and variable, extra repayments and portability) should be taken into account when choosing your type of variable loan.

Repayments will vary as interest rates fluctuate.

  • The variable rate loan offers a range of features such as redraw of extra funds made and offset accounts.
  • They can be no frills loans with not many features to fully featured under a professional package.

Fixed rate loans

These loans are set at a fixed interest rate for a specified period (usually one to five years). The advantage of allowing you to organise your finances and repayments without the risk of rising interest rates is offset by the disadvantage of not benefiting from a drop in rates. At the end of the term all fixed loans automatically revert to the applicable variable rate.

At this stage you have the option to lock in another fixed rate for a new term, switch to variable or go for a loan where you split with a percentage fixed and the remainder variable.

However these loans may have limited features and lack the flexibility of 100% variable loans. There may be early exit fees and limited ability to make extra payments.

100% offset accounts

An offset account is a savings account attached to your loan account.

Money in this account is offset against the loan amount thereby reducing interest payable. Significant savings are made by reducing compound interest with the use of these accounts.

Other advantages of an offset account include being able to pay off your home loan faster than the repayment schedule demands and being able to redraw money if the need arises.

Professional packages

These loans are offered to provide an all-in-one home loan package.

They offer interest rate and fee savings on your home loan, credit card and transaction accounts. Some lenders may also waive the annual fees for your credit cards. An annual fee ranging from $120 to $395 is usually applicable on these loans.

Professional packages may also offer amazing flexibility, with some lending institutions willing to waive product switching fees when changing from a variable to a fixed rate or converting a principal and interest type loan to an interest only loan.

Investment Loans

Property investments are not always a simple procedure. Whether building or buying established, its often hard to know where to turn for advice and where to look for the investment best suited for you.

You may not even be sure which is the right type of investment for you.

Lean on our skill-sets and experience to help provide the information you need to make an educated decision on your future in property investment.

Consumer Car Loans

Fixed rate

For loans with terms of between one and seven years.

Offers the security of fixed payments and security from upward rate movements.

Variable rate

Provides the flexibility to make and redraw funds paid in addition to the minimum loan repayments. You will benefit from any downward movements in interest rates.

SMSF Loans

  • Residential
  • Commerical
Do you know how much super you have or where it is invested?

Did you know you can take control of your retirement by using your superannuation to borrow money and invest in property of your choice. Our expert team of finance, planning and accountancy professionals will walk you through the entire process hand in hand.  We can even provide a list of suitable investment properties to take away the guesswork.

Things you may not know:
  • You can combine your superannuation with other family members to allow you to buy property within the fund.
  • Property owned by the super fund which is sold at the right time may have zero capital gains tax applied.
  • Self-managed super funds are the fastest growing segment in the market for one main reason – control!
  • Don’t confuse your SMSF with personal investment.  They are separate entities.
  • Not everyone is suited to an SMSF.
  • A balance of ~$200,000 is often a benchmark for a minimum balance.
  • Will need to complete annual tax return.
  • Cost on set up for the Bare Trust or Instalment Trust can vary greatly depending on who you use – estimate $3,000 to $5,000.
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Enquire how we can help you make the right choice, today