Know your home loan options

It’s often said that buying your own home is one of the biggest financial decisions most people make in their lifetime. Getting the right loan that not only meets your needs, but fits in with your long term financial goals is vitally important. Sure, we understand that getting the loan approved is your primary goal, but Hewcorp Finance is there to also ensure it meets your current financial situation, now and into the future. 
 

First Home Buyers

We understand it can be a stressful experience as you wonder if you’ve made the right decision and whether the bank will approve your home loan.

Your Hewcorp Finance mortgage broker and finance consultant is there to lead you through the process so that you always feel in control and fully informed from start to finish. It’s just the way it should be!

We’re focused on delivering a personalised service and competitive finance solutions for your first home purchase, whether it’s buying an existing home or a land and construction transaction.*

Buying your first home does not need to be a daunting experience. Embrace the excitement and call us today.

Home loans
First home buyers process

What’s the process?
We understand it isn’t easy to make the decision about buying your first home, so after deciding to push forward and achieve your dream, the first step is to book an appointment with your Hewcorp Finance consultant.  All you need to bring is evidence of your current income, deposit, debts, and expenses so our consultant can work out your borrowing capacity and calculate potential repayments.  This is an important step in helping you work out a purchase price range that you are comfortable with and can afford to repay.   

The purchase contract
In Queensland, home buyers sign a purchase contract at the beginning of the process.  This differs from some of the states where the contract is signed on the day of settlement, so it’s important to get things right. 

The contract in Queensland outlines the property details, the buyer/seller details, as well as the price and other relevant information. 

Before signing a contract, Hewcorp Finance strongly recommends that you consult a solicitor experienced in property transactions (Conveyancing) to get appropriate legal advice about all the contract conditions.  The finance and settlement dates are two of the key conditions, and it’s important to ensure there is enough time for the solicitor, Hewcorp Finance, and the lender to complete all the necessary steps before the contracted approval date and settlement.  Your solicitor will advise you on these issues. 

 

The Queensland First Home Owners Grant

The Queensland Government currently offers some fantastic incentives to first home buyers that potentially save you thousands in the overall transaction.  Hewcorp Finance recommends you explore these incentives and we’re happy to provide you with a range of general information.  These incentives include the first home buyers grant for new homes and the transfer/stamp duty concessions.

First Home Owners Initiative for more information on the First Home Owners Grant.

Get the best deal on your home loan!

There are so many Grants available for Home Owners. Get in touch!

Upgrading Your Home

Like everything in life, circumstances change, and that applies equally to your home and home loan!

Perhaps the kids have grown up and moved out leaving you with spare bedrooms and a lot of vacant space.  Maybe you’ve worked hard and want to upgrade into a newer home, and in a different suburb with some of the modern home features and appliances.

Whatever your motivation, getting a loan to upgrade requires planning.*

Some of the matters to consider include:

  • Do you sell the existing home to fund the deposit on the new purchase?
  • Do you keep the existing property as an investment, and use the available equity to qualify for another home loan?
  • Do you stay with the existing lender instead of exploring other options, AND, what financial benefits are there in doing so?
  • Do you remain in the current home and undertake renovations?

Your Hewcorp Finance consultant is there to lead you through the process so that you always feel in control and fully informed from start to finish.  As we keep saying, it’s just the way it should be!

We’re focused on delivering a personalised service and competitive finance solutions, whether it’s buying an existing home or embarking into a land and construction transaction.

It doesn’t need to be a daunting experience.  Embrace the excitement of upgrading and call us today.

Upgrading your home

Your Hewcorp Finance consultant is there to lead you through the process so that you always feel in control and fully informed from start to finish.  As we keep saying, it’s just the way it should be!

We’re focused on delivering a personalised service and competitive finance solutions, whether it’s buying an existing home or embarking into a land and construction transaction.It doesn’t need to be a daunting experience.  Embrace the excitement of upgrading and call us today.

Investment Property Loans

Investment Property Loans

Talk to any qualified financial advisor or accountant, and one of the main factors to a successful investment strategy is the finance structure that supports it.

When you’ve decided to invest in residential property, it’s important to undertake appropriate planning and market research, as well as sourcing and selecting the right finance options.  It is part of the foundation of successful investing.

So, when we talk about Investment Properties, that relates to residential houses, units, townhouses, duplex units, and other properties designed and approved for residential occupation.

Hewcorp Finance has a range of lenders that specialise in lending for investment properties in Redlands, Bayside Brisbane and across Queensland.  We’ll source lending options to suit your current needs and future investment plans, and will work in closely with your trusted advisors including the solicitor, accountant, and financial planner.  There may be some taxation benefits or implications involved in your investment decisions, so it’s important to consult with your professional advisors.*

Buying or building investment properties doesn’t need to be a daunting experience.  Embrace the excitement of investing and call us today.

 

Refinancing

Who was it that said ‘life is all about change’?  Probably everybody you know!

As you go through life your personal circumstances will change and evolve.  Where that impacts on your financial requirements, they also need to change and adapt to the new things in your life.  So, what does all that mean?

Home owners will consider refinancing their home loan for many reasons.  Some people may want to draw on available equity in their home that’s been built-up over the years to purchase additional property.  Others may be looking at renovations, or to purchase a new car, or to pay off some personal debt.

Changing circumstances aside, some home owners may be dissatisfied with the service, product features or interest rates from their current lender, and may want to explore better options in the market.

Whatever the scenario, or whatever your motivation may be, Hewcorp Finance will explore the available home loan options, and give you choice in achieving your goals.*

Refinancing

Other Finance Services

Car Finance

it’s important to explore competitive financing options for your new pride and joy, unless you want to get caught in one of the many car buying traps.


Truck Finance

When it comes to sourcing appropriate finance, it's important to ensure the loan is structured the right way, as well as offering competitive interest rates and fees.


Caravan/Trailer

Whether it's a small camper trailer, a fully featured caravan, a modern motor home, or a specialised trailer for a prime mover, we can help you.


Marine Finance

With some of the most beautiful parts of Australia, it's only natural you might want to purchase a boat or other water based recreational devices and explore the waterways.