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Loans and Services First Home Buyers Buying your first home can be daunting if you do not have some one to guide you through the maze of options and requirement. Bluefin Finance consultants go through the process on a regular basis with their clients so they have the experience to help you with all stages of the purchase. We can arrange finance pre-approval for you prior to you finding the right property, and will step you through the entire process from application through to settlement. We are here to help, and want to make things as easy and stress free for you as we can. Investment LoansA home loan for the house you will live in, and a home loan for a property investment (ie to rent out) differ in a few key areas. A bank, lender, or other institution may charge a higher interest rate for an investment loan because they believe the associated risk is greater. The key is to call on the services of an experienced finance consultant to help you identify the best investment loan available. Through out comprehensive panel of lenders, Bluefin Finance is able to offer a wide selection of investment loan products to suit your individual needs. Whilst we can’t offer you investment advice, we can provide suggestions as to which loan type will best meet your needs. We also welcome the opportunity to work with your accountant and/or financial advisor to ensure your best interests are being catered for. Debt ConsolidationMost people have multiple debts, and it is nothing to be embarrassed about. You may have high interest credit cards, personal loans, car loans, and student loans hanging over your head, and all attracting a high interest rate. To pay off one debt you may need to borrow from someone else, creating yet another debt. The answer to this situation may be debt consolidation. If you have a property, you may be able to obtain a debt consolidation loan. This type of loan allows you to roll a number of existing debts (usually with high interest rates) into your home loan, thus paying only your home loan interest rate. Speak to a Bluefin Finance consultant to see what options are available to you to help ease your financial pressure. We have a wide range of lenders who between them can cater for most situations. Commercial and Business LoansBusiness finance can sometimes be more complicated than standard property finance. Bluefin Finance consultants have extensive experience in business and commercial finance, and can provide you with a range of finance solutions to help you start or expand your business. Whether your requirements are start up capital, franchise finance, plant and equipment, a new vehicle for the fleet or simply funds to expand, we can tailor finance to your requirements. Selling Your PropertyOne of the biggest problems when selling your property is not knowing what price to put as your reserve price. One of the reasons is that you may not know how much money you can realistically expect to borrow to purchase a new property, therefore not knowing how much you will need to make up the difference using the proceeds from the sale of your existing property. You have to know how much you can borrow before you can work out how much you need to net from the sale of your existing property to make up the difference to purchase the new property. Bluefin Finance can help you get a pre-approval for your maximum borrowing amount, so that you can work out the minimum you need to net from the sale of your existing property. If you sell your property for more than the minimum amount, then you don't have to borrow as much. Bluefin Finance can help give you piece of mind knowing that in the worse case you have finance approved to your full capacity. Some times you need to settle on the purchase a new property before the sale of your existing one goes through. In this instance, Bluefin Finance can give you a range of options to cover you financially between the time you need to settle on the new property and when the proceeds from the sale of your existing property become available. Car and Equipment FinanceThrough our business partners, Bluefin Finance is able to offer our clients a comprehensive range of solutions for car and equipment finance. Our client’s needs range from individuals needing a lease or a loan for a car, through to companies and large corporations requiring finance options for vehicle fleets, large or expensive items of equipment, or equipment needed for office fit out. Contact Bluefin Finance to discuss all your car and equipment financing needs. |