Shepparton Mortgage Broker
We're Mortgage Brokers helping Shepparton residents get a new loan or refinance their existing loan.
Empire Finance is your trusted mortgage broker in Shepparton, dedicated to assisting clients in the local area and surrounding suburbs. We understand that buying a home is one of the most significant milestones in life, and the mortgage process can often seem daunting. Our mission is to simplify this journey for you. With our extensive access to loan options from banks and lenders across Australia, we're here to help you secure the best home loan tailored to your financial situation.
At the heart of our service is a commitment to finding you the most favourable loan options. Whether you're a first-time homebuyer or looking to invest in property, understanding your borrowing capacity is crucial. We work closely with you to assess your credit history, loan amount requirements, and desired loan to value ratio (LVR) to determine what you can borrow. Our deep understanding of the local property market allows us to offer you personalised guidance. Once you have a clear idea of your borrowing capacity, we can help you get pre-approved. This loan pre-approval can strengthen your position as a buyer, giving you an edge when making offers in Shepparton's competitive market.
Everyone desires a good deal when it comes to managing finances. We recognise that the interest rate on a home loan is a significant consideration for most borrowers. At Empire Finance, we compare various loan interest rates, including variable interest rate and fixed interest rate options, enabling you to make an informed decision. We also explore potential interest rate discounts and ensure you understand the implications of lenders mortgage insurance (LMI), especially if your LVR exceeds 80%. Our goal is to find the right balance between fixed interest rate loans and variable loan rates that suit your financial aspirations.
Navigating the loan application process shouldn't be overwhelming. Empire Finance simplifies this experience, ensuring a streamlined application process. We assist with everything from compiling necessary bank statements to applying for a loan. Our team demystifies each step, making the process smooth and efficient. Calculating loan repayments is crucial for budgeting, and we gladly help you assess your home loan or investment loan options. Moreover, we show you how an offset account can reduce interest costs, potentially saving you thousands over the loan’s lifetime. Each piece of your financial puzzle, including stamp duty and potential home equity options, is considered in our comprehensive service to you.
Empire Finance is committed to guiding you through Shepparton's real estate financing world with ease. From discovering suitable loan options to securing an attractive loan interest rate, our focus is on supporting your financial journey. Whether you're ready to apply for a loan, get pre-approved, or simply learn more, our team welcomes your enquiries. Reach out today to start your journey towards owning a home or expanding your investment portfolio in the vibrant Shepparton area.
Our comprehensive guide aims to demystify these choices for Shepparton residents, empowering you with the knowledge to make informed financial decisions confidently.
Owner-Occupied Loans: Specifically designed for those intending to live in the property they purchase in Shepparton, these loans often come with more favourable interest rates and terms. This is because lenders view borrowers living in the property as lower risk.
Interest-Only Loans: With this loan type, borrowers are only required to pay the interest for a predetermined period, commonly five to ten years. It is crucial to understand that while this can reduce initial outgoings, the financial responsibility escalates once principal repayments commence.
Principal & Interest Loans: These loans are structured to incrementally diminish both the loan's interest and principal, aiming to completely pay off the debt by the end of the term.
Variable Rate Loans: Interest rates on these loans fluctuate according to market conditions, influencing your monthly repayments and the overall cost of the loan over its duration.
Fixed vs Variable Rate Loans: Electing to fix your interest rate for a specified period, usually between one and five years, guarantees consistent repayment amounts. Following the fixed period, the loan typically reverts to a variable rate, adjusting in line with the market.
Bridging Loans: Ideal for those transitioning between homes and awaiting the sale of their current property. These short-term financial solutions provide a "bridge", albeit usually at higher interest rates and require repayment once the property sells.
Understanding the advantages and features of each loan type is important to help you consider the right loan options for your scenario
Jay Nash is a seasoned Finance & Mortgage Broker at Empire Finance, helping locals in Shepparton, VIC. With over 15 years of experience in banking, finance, and accounting, Jay brings a wealth of knowledge and expertise to his clients. His dedication to providing exceptional service was recognised during his tenure in banking, where he was honoured as the National Business Banker of the Year.
Jay's extensive experience allows him to assist a diverse range of clients, from first-time home buyers eager to step onto the property ladder to multi-million dollar businesses seeking strategic financial solutions. His ability to tailor mortgage options to suit individual needs has made him a trusted advisor in the Goulburn Valley.
If you're looking for a local Finance & Mortgage in Shepparton, reach out to Jay today.
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I highly recommend Jay to anyone wanting to get a loan or looking to refinance . He has been brilliant to work with, very professional and his communication was exceptionally quick! Purchasing our new property was a smooth, stress free experience and he was able to get things moving very quickly for us. Thanks again Jay!
Ashlea Fletcher
Jay is a breeze to work with. He is fast, reliable and a great communicator that simplifies the financial jargon to get the best results for you. Highly recommend his services.
James Cross
Jay was amazing to deal with when refinancing our mortgage. The process was so efficient and he made it so easy, he organised everything including contacting our Accountant direct. We were able to do it all from home - which with 5 kids this is so helpful. We would definitely recommend him to anyone needing finance. Thanks so much Jay.
Jacqueline Cox
Jay was relaxed and highly professional. He was tremendous with providing education and context to our financial loan/situation. He was very approachable and available throughout the process. It really took the stress out of finding the best loan.
Thomas Davis
I am not a finance expert at all... but Jay helped me secure a loan for an investment property with ease. He ran me through every process... answered so many questions i had... at all hours of the day... and it was always a relaxing experience ...
Hayden Purcell
Jay went above and beyond to support us, particularly when we were confused by the paperwork. He was patient, clear, and incredibly thorough, which gave us total confidence throughout the process. An outstanding broker we’d recommend ...
Jodie van Popering
We love helping First Home Buyers! We're experts at the entire process and can help you get the right Home Loan. We're also across the various schemes to help First Home Buyers such as the First Home Owners Grant and the various stamp duty exemptions available.
All of our Mortgage Brokers are accredited and members of the Mortgage and Finance Association of Australia. They are extremely professional and provide exceptional service across a range of lending options.
We can help with Home and Investment Loans, Construction Loans, Car Loans, Personal Loans and much more. If you're looking to borrow to buy something, we can probably help.
We take look at a wide range of products available from Banks, Credit Unions & other lenders across the country. This means we can search thousands of products and make sure we're always recommending a variety of Home Loan options for our clients.
Mortgage Brokers are there to help you find the right loan whether it be from the major banks, smaller lenders or other sources. We have a broad range of products (more than any single lender can offer) which means we can do all the legwork to find the right loan for you.
Of course! We believe that we can find the best interest rate for you to refinance to, whether it's a Home Loan or Investment Loan.
J & K Nash Pty Ltd ATF Nash Family Trust ABN: 43 846 394 026. Credit Representative #566001 is authorised under Australian Credit License #389328
Disclaimer: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances. These testimonials were given by our customers. They are individual experiences of our customers that have used our service. Your full financial situation would need to be reviewed prior to acceptance of any offer or product.
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