Home Loans
With access to hundreds of Home Loans, we're sure to be able to find the right one for you
Rated 5 from 5 Reviews
With access to hundreds of Home Loans, we're sure to be able to find the right one for you
Rated 5 from 5 Reviews
At COG Capital Group, we understand that buying a home is one of the most significant financial decisions you will make. Whether you're an Australian resident or an expat, navigating the property market can be complex. Our mission is to help you access Home Loan options from banks and lenders across Australia, ensuring you find the best fit for your financial situation. With our expertise and a streamlined application process, we aim to make your journey to homeownership smooth and stress-free.
When applying for a home loan, several factors come into play. First, it is important to be aware of your borrowing capacity. This is determined by various elements such as your income, expenses, and existing debts. Banks and lenders will assess your credit history to gauge your reliability in repaying the loan. A good credit history can lead to interest rate discounts, whereas a poor credit history might limit your options.
The loan amount you can borrow also depends on the loan to value ratio (LVR). This ratio compares the loan amount to the appraised value of the property. A lower LVR generally means less risk for the lender and can result in better Home Loan Rates. Additionally, if your LVR exceeds 80%, you might need to pay lenders mortgage insurance (LMI), which protects the lender in case you default on your loan.
Interest rates are another crucial aspect to consider. You have the option of choosing between a fixed interest rate home loan or variable home loan rates. A fixed interest rate offers stability with consistent repayments, making it easier to budget. On the other hand, a variable interest rate fluctuates with the market, potentially offering lower rates but with less predictability. Calculating home loan repayments with these rates in mind will help you decide which option suits you best.
Stamp duty is an additional cost that comes with buying a home. This state government tax varies based on the property value and location. It's important to factor in this expense when planning your budget. At COG Capital Group, we ensure that you are well-informed about all associated costs so that there are no surprises down the line.
One of the key advantages of working with us is our ability to provide access to a wide range of Home Loan options. We work with numerous banks and lenders across Australia, giving you a broader selection to choose from. This variety increases your chances of finding a loan that aligns perfectly with your needs. Whether you're looking for an offset account to reduce your interest payable or seeking pre-approval for better negotiation power, we can assist in finding the right solution.
The Home Loan application process can often feel overwhelming. At COG Capital Group, we simplify it by guiding you through each step. From gathering necessary documents like bank statements to submitting your application, we ensure everything is in order for a smooth approval process. Getting pre-approved for a loan not only gives you an idea of your borrowing capacity but also positions you as a serious buyer in the eyes of sellers.
Buying a home is a significant milestone, and having expert guidance can make all the difference. At COG Capital Group, we are committed to helping you navigate the complexities of the property market with confidence. Our comprehensive approach ensures that you have access to the best Home Loan options available, tailored specifically to your financial situation.
Ready to take the next step towards homeownership? Contact COG Capital Group today to get pre-approved and explore our wide range of Home Loan options. Let us help you turn your dream of buying a home into reality.
In 60 seconds, understand how much you can borrow to buy your dream home.
Get your Borrowing Capacity
Initial Consult
Have a chat with one of our qualified Mortgage Brokers who will understand your situation and talk you through the next steps.
Fact Find
We'll work with you to understand a bit more about your situation (including your financials, assets etc.) to make sure you will qualify for a loan.
Pre Approval
Once you're approved, you can start bidding or making offers on properties you want to purchase.
Settlement
You settle on the property, your loan draws-down and you're good to go!
Book AppointmentKT
Kent Taylor
I was introduced to Adam after already having discussions with another broker. I shared my requirements with him, and within 24 hours, he secured a much better offer that will save me tens of thousands of dollars. On top of that, I had a tight settlement deadline over the holiday break, and Adam handled the time-sensitive challenges seamlessly, ensuring everything was completed on time. I highly recommend Adam!
FC
Francesco Calabria
Adam was incredibly helpful in securing the right mortgage for me. He was attentive and kept me updated on every development, skillfully navigating through several obstacles. Beyond the mortgage, Adam offered valuable insights into my financial situation, demonstrating his sharp understanding. I highly recommend Adam without hesitation.
BC
Bill Castellas
If you're looking for a trusted professional for Australian mortgages, please contact Adam. I've personally known and worked with Adam since 2008. In 2010, as Regional Executive Manager at Commonwealth Private Bank (Asia), Adam joined my team and immediately showcased his unique strengths: listening, understanding, earning clients' trust, and extensive lending knowledge. If you need a reliable and knowledgeable mortgage broker, who will prove to be more your financial ally than just your broker, look no further than Adam.
We can help with Home and Investment Loans, Commercial Property Loans, Business Loans, Construction Loans and much more. If you're looking to borrow to buy something, we can probably help.
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. We save you time and effort, provide better access to lenders and negotiate better interest rates and fees on your behalf. Our service generally comes at no cost to you as we are typically paid by the lender upon the settlement of the loan.
All of our Mortgage Brokers are accredited and members of the Finance Brokers Association of Australia. They are extremely professional and provide exceptional service across a range of lending options.
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.
If you are an Australian Permanent Resident living overseas, and subject to your visa class, you can apply for a home loan in Australia. Lenders often have specific loan products tailored to meet the needs of overseas PRs.
If you’re a foreign buyer, attaining finance can be more challenging. Lenders may be more hesitant to lend and require stricter eligibility criteria however we partner with a number of lenders that can assist you. We will work with you to guide you through the required documentation, the process of attaining finance and approval to purchase property in Australia all the way through to the actual property settlement.
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.
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 the best Home Loans for our clients.
COG Capital Group ABN: 20 677 685 611, COG CAPITAL GROUP PTY LTD ABN: 20 677 685 611. Credit Representative #560772 is authorised under Australian Credit License #509484.
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.
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