Searching for a home loan and lost in the overwhelming amount of similar choices?
Let us help you finding a suitable home loan for you!
We compare lending products from over 40 different lenders on our lending panel including major banks.
Markus Mobile Tax Accounting Services mission is to help you finding the right home loan providing a personal service in the comfort of your own home or at your business premises.
Our Mortage broking services offer a variety of home loan solutions suited to the first home buyer, the first investment property, a seasoned investor, a refinance or SMSF property investments.
We focus on your needs and will thrive to find you the most suitable home loan specific to your individual need. The home loan market is complex and we will guide you through the whole process of obtaining a home loan so you can focus on the enjoyable task searching for your perfect property.
As we are accountants as well we will ensure that your property finance assists with your taxation strategy and will advice you on any taxation and accounting aspect to consider prior to purchasing a property and taking out a home loan.
First Home Buyers
Buying your first Home? Don’t know where to start?
Looking for a loan with flexibility, low repayments or better features?
We provide a One-Stop-Shop for First Home buyers – we support you all the way with the entire buying process from the start until you move in so you will support all the way!
We find the right loan for you
It is not all about interest rates when choosing a home loan that works for you – you should take into account any upfront and ongoing costs, including Lender’s Mortgage Insurance, Loan setup fees, Legal fees etc. We will help you get the Pre-Approval.
We advise you on a number of competitive home loan options available to you
There are special home loan options that can help you buy your first home sooner like Family guarantee. There are many features and structures available to pay off your home loan sooner like flexible repayments, additional repayments, repayment withdraws and offset accounts.
We also help you with:
- Getting concession on Stamp Duty
- Getting you the right Conveyancer or solicitor
We explain the costs & process
We will explain all the costs involved in buying with details of how much you will need to complete the purchase and what you can borrow.
We help you with getting the First Home Owners Grant
We will help you with all the paperwork for FHOG application and we submit it on your behalf.
We will help you with your investment loan:
- Equity release
- Choosing the right investment loan
- Applying for Loan Pre-approval
- Understanding the costs before your buy
- Setting up the loan to maximize benefits
- Finance Strategy
We will work with you on a strategy that is tailored towards your unique requirements like tax minimisation strategy, creating wealth etc.
- Loan Comparison
We will provide you with a comparison of top lenders and a recommendation why to choose one bank or lender over another.
- Lender Selection
We select lenders to maximize borrowing capacity including a long-term finance strategy to protect y our assets rather than just interest rates & fees.
- Loan Structures
We structure loans for the long term benefit of our clients.
Some of the options available to investors include:
- Interest only repayment loan
- Variable rate loans
- Fixed rate loan
- Line of credits
- Interest in advance
- and much more…
Ready to build on land you already own?
Or looking buying land to build on?
Or looking to buy a house and land package?
We can find you the Construction loan that works for You!
How does a construction loan work?
While in a standard home loan, all funds are advanced at the settlement with a construction loan the Lender will usually retain all of the cost to construct your property (amount stated in the fixed price building contract).
Construction loan funds are progressively drawn down at each stage of construction. Each progress draw-down is referred to as a “Progress Payment”. Progress payments are made directly to the builder. If the bank is only funding a portion of the cost to construct your home, you must contribute all of your own funds before you can draw down on the loan.
There is a difference between loans for buying an established property and loans for building your own home.
Bank value established properties differently as compared to ‘To be built property’. Sometimes if you don’t do due diligence before you apply for the loan, the valuation may come short of the purchase price or build cost.
Banks pay builders in installments called progress payments and they have rules around how these payments are made. Some charge ‘Progress payment fees’ for each payment, others may pay the builder only if it is as per a standard payment schedule.
Various lenders release Grants, such as First Home Owners Grant at different stages of the construction process. They may also organize inspections at different stages – And charge you for the inspection.
We help you navigate through all the possible hurdles.
- We will help to find a lender that suits your unique requirements
- We help you compare different builders
- We advise on the construction process and avoid any pitfalls
Self Managed Super Funds
Did you know that you can use your Self-Managed Super fund to buy an Investment property?
Moreover, you can borrow in your Self-Managed Super Fund (SMSF) to complete the purchase.
We can help you with
- Get a Pre-Approval for the property purchase
- Finding the right loan that suits your needs
Benefits of buying in a Self-Managed-Super-Fund:
- After retirement, currently there is no tax on either the capital gains or the rent
- Before retirement, currently capital gains and rent are taxed at 15 per cent
- Direct control of your super investments
- You can own your business premises through your super fund, lease it to your business and the rent you pay to your SMSF is generally tax-deductible to your business
- Asset Protection
- Diversification in your portfolio
The Self-Managed Super Funds loans options we provide include:
- SMSF Loan to purchase a residential property within your SMSF
- Refinance of existing SMSF loans
Why Choose Us
- Fully qualified mortgage broker and accountant
- Advice on suitable home loan in combination with taxation and accounting advice
- Local service we will come to you
- Small team dedicated to looking after our clients
- Most mortgage broking services have no upfront fees
Markus Mobile Tax Accounting Services Credit Representative Number 494570 is authorized under Australian Credit License Number 389328.
Your full financial situation will need to be reviewed prior to acceptance of any offer or product.