We take the hassle out of finding the best home loan. We provide an efficient and independent advice.
We understand that buying your first home can be overwhelming, but we’re here to help. Working with a mortgage broker can be incredibly beneficial in finding the right loan that fits your situation and helping you utilise various loan features to pay off your loan quicker. At Blutin Finance, we know what different lenders are offering and can help you identify the best features that will help you achieve your financial goals. We present a variety of options to you so that you can make a well-informed decision when choosing a mortgage product. We’re here to support you through this exciting but often daunting process.
Every borrower has unique needs and aspirations, and it’s crucial to pick a loan that aligns with your current and future goals. We may recommend making principal and interest repayments if your aim is to use rental income to pay down the loan, as this will gradually reduce the principal balance with each repayment. Alternatively, if your dream is to acquire more investment properties, then making interest-only repayments for a few years might be the right choice. This will enable you to lower your repayments and save for a deposit for another property more quickly. Remember, with the right loan and strategy, your goals are achievable.
In short, No, we don’t charge a fee for our services however we do receive a commission from the lender when your loan is settled. This enables us to offer
It is difficult to predict how long it will take to receive an approval for a loan due to the nature and type of the loan. If there are external service providers such as valuers and solicitors involved, the time period can be affected. No loan approval process is the same but it is our job to manage the process from start to finish – and we are committed to ensure settlement happens as quickly and efficiently as possible.
Lenders, including the banks, look at the state of your personal finances and monthly budget before deciding how much they are willing to lend to you. To maximise how much they will lend to you, you should consider reducing as many of your existing outstanding debts as possible. You could do this by bringing down your credit card limit and paying off as much of your store credit, personal loans and car loans as you can. As soon as a lender sees that you are responsibly managing your monthly personal finances and the repayments of your loans, they will be comfortable lending to you.
We would consider it if the Valuer was certified and acceptable to our lending panel. The appraisal would also need to be official and have been done within the last 90 days. I have a credit default against my name, but my partner’s credit history is excellent. Can we put the loan in her name? This may be possible if your partner has sufficient income to support the loan while providing for all existing liabilities, living costs and supporting any dependents. It will also depend on whether or not your partner will have a beneficial interest in the property.
Credit Representative 511410 is authorised under Australian Credit Licence 389328. Your full financial situation would need to be reviewed prior to acceptance of any offer or product.
