Residential Finance

Whether your buying your first home or are a seasoned property investor, renovating or building from scratch, it's important that you  speak to a professional that understands your individual situation and can work with a wide range of banks and other lenders to  find the right loan solution for you. Here at Omega Finance we've access to over 30 different lenders which means over 1350 different loans to choose from.

Here's how it works. We'll meet you where and when it suits and get a detailed understanding of your current position and plans. From there we'll access market leading software and review your options. We'll then present these to you and discuss the merits of each option. Once we've agreed on a suitable lender, then we'll prepare the application paperwork. Once signed we'll present this and supporting paperwork to the lender and work closely with them to obtain a successful approval.  We'll then liaise with your lawyer or existing loan provider to ensure any necessary paperwork gets completed in good time and the purchase, refinance or construction work proceeds smoothly, keeping you informed along the way.

We don't normally charge for our service as the majority of our business comes from word of mouth introductions from clients very happy with the service they received from is. We'd hope to include you in that category once we've had chance to do some business together and hope that you too will be able to help your friends and colleagues save money on their home loan by introducing us . Below is a summary of the areas we can assist you with:

First Home Buyers

Refinancing
Buying property can be exciting and daunting at the same time.  We’re here to help to ensure you’re armed with the right information to help you make the right decisions.  Having us on side is the smart way to go and having this site as a handy reference tool will keep you on the right path. We understand and can explain in straight forward language how it all works and how best you can structure your exciting first property purchase.
Whether you’re wanting to renovate, consolidating debts, find a cheaper loan, or simply review your finances, refinancing your existing loan is a worthwhile exercise. If you haven't reviewed your home loan in the last 3 years then, we could potentially save you thousands in interest paid. Interest only, principal & interest, or line of credit, with so many options, we will find the right solution for you.  We're are pretty confident that 9 times out of 10 we can save you money.

Investing

Loans for Professionals
Research and having the right people to help you are the key in successful property investing. It definitely pays to do your homework on the property market before you dive in, and we’d be thrilled to have the opportunity to be on board to help you when it comes to financing your decision.

There are a host of options when it comes to investment loans and we'll be able to walk you through the right solutions for you. We've also access to  extensive property data from RP Data and can help you research a particular property or area to ensure that you make the right decision for that next purchase.
If you're from the medical fraternity or are an accountant, lawyer or solicitor, and have a recognised qualification, then read on. You may be able to borrow up to 90% of the purchase price/valuation of a property without incurring Lenders Mortgage Insurance (LMI) costs, which can be a significant saving.

A number of lenders have special schemes just for professionals, we can access all of these so, suddenly a geat deal just got a whole lot better.

SMSF Residential Loans

House & Land Packages
Becoming popular now is borrowing within your self managed super fund (SMSF) to acquire certain assets, the main one being property, and enjoy the longer term benefits of maintaining this asset within your super fund portfolio.

If you're buying or refinancing an investment property in your super fund you may be able to get up to 80% of the lower of the purchase price/valuation  as funding. We've plenty of expertise in putting together these facilities for investors so we'll run through the pro's and con's of borrowing through your SMSF.  We work closely with a number of experts on all SMSF aspects of accounting, financial planning and conveyancing so can,  if needed, introduce you to the right people to help you plan best for your future.
If you are pursuing your dream of building your new home then  we have some great funding options for you. You may be able to borrow up to 95% of the total cost in eligible cases.

Before you sign a building contract, give us a call and we'll run you through how it all works. We'll get to understand your financial position and what you can contribute and take it from there.  We'll find you the right lender for your needs and be there for you throughout the process to ensure it runs smoothly.

Upon completion we can also help you with organising your home insurance with our special arrangement though Allianz.
Checkout our calculators page by clicking below which will help you work out our budget and how affordable your next loan could be: