CFG Mortgage & Finance Specialists

If you've had the same home loan for a few years, and haven't had a professional look over it recently, you could be missing out on opportunities for a more suitable deal. Here are five reasons you might want to refinance your home loan: - To save money - To pay off your loan sooner - To get access to more features - To leverage your equity - To consolidate existing debts Get in touch with us and we'll run a health check on your home loan. No fuss, no strings. #CrestFinancialGroup #CFG #AustralianHomes #AustralianRealEstate #Property #Ivanhoe #Eaglemont #Heidleberg #Bulleen #Templestowe #Doncaster #YarraRiver #YarraBend #Melbourne #MelbourneBusiness #MelbourneProfessionals #MilanClubMelbourne

Nothing worth having comes easy. But in the case of buying property, we'll certainly make it easier for you. Get in touch to get started. Let's make it happen! #CrestFinancialGroup #CFG #AustralianHomes #AustralianRealEstate #Property #Ivanhoe #Eaglemont #Heidleberg #Bulleen #Templestowe #Doncaster #YarraRiver #YarraBend #Melbourne #MelbourneBusiness #MelbourneProfessionals #MilanClubMelbourne

Anyone can - eventually - find the 'cheapest' loan option, but there's more to a home loan than just the interest rate. Whether you're an ambitious first home buyer, or a fairly sophisticated investor, we'll help you make sure your finance is structured in a way that supports your overall strategy. Get in touch for strategic guidance on your home loan. #CrestFinancialGroup #CFG #AustralianHomes #AustralianRealEstate #Property #Ivanhoe #Eaglemont #Heidleberg #Bulleen #Templestowe #Doncaster #YarraRiver #YarraBend #Melbourne #MelbourneBusiness #MelbourneProfessionals #MilanClubMelbourne

Taking out a home loan shouldn't stretch your finances to breaking point. ⠀⠀⠀ And of course people (and products) change. What's right for us one year may not be the right thing a few years down the track. This is where refinancing comes into play. When you refinance, it's not 'just' about reducing your fortnightly repayments or your interest rate. Imagine shaving years off your home loan, so that you become mortgage-free sooner!⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀ Get in touch to find out how. #CrestFinancialGroup #CFG #AustralianHomes #AustralianRealEstate #Property #Ivanhoe #Eaglemont #Heidleberg #Bulleen #Templestowe #Doncaster #YarraRiver #YarraBend #Melbourne #MelbourneBusiness #MelbourneProfessionals #MilanClubMelbourne

Wondering what the banks look for when they assess your home loan application? Let's take a look at the five Cs of credit: - Capacity: Can you afford to pay them back? - Capital: How do your assets stack up against liabilities? - Character: Do you manage your money well? - Collateral: Are you buying a quality investment? - Conditions: Is your situation compatible with paying back the loan? Questions on how this applies to your situation? Get in touch! #CrestFinancialGroup #CFG #AustralianHomes #AustralianRealEstate #Property #Ivanhoe #Eaglemont #Heidleberg #Bulleen #Templestowe #Doncaster #YarraRiver #YarraBend #Melbourne #MelbourneBusiness #MelbourneProfessionals #MilanClubMelbourne

What's the difference between a property appraisal vs a property valuation? An appraisal is an estimate of the value of your home. It's usually carried out by a real estate agent to give you an indication of how much the property may be worth. A valuation, on the other hand, is what you'd need if you were wanting to draw out equity from your home loan. It provides you a detailed report of how much your property is worth, and why. It needs to be carried out by a qualified valuer, and will usually cost between $300-700. Get in touch if you'd like help understanding how to organise a valuation of your property. #CrestFinancialGroup #CFG #AustralianHomes #AustralianRealEstate #Property #Ivanhoe #Eaglemont #Heidleberg #Bulleen #Templestowe #Doncaster #YarraRiver #YarraBend #Melbourne #MelbourneBusiness #MelbourneProfessionals #MilanClubMelbourne

In the ultra competitive world of finance, lenders are everywhere, vying for your attention, and pulling out all the stops to lock you in. The question becomes how to know what's going to serve your best interests. Seek out a broker who isn’t just another face in the crowd but someone who genuinely invests time to grasp your individual situation and will guide you towards a strategy that fits your property ambitions. Yep, you guessed it – that’s us. We’ve got your back, every step of the way. Get in touch to book your no strings chat. #CrestFinancialGroup #CFG #AustralianHomes #AustralianRealEstate #Property #Ivanhoe #Eaglemont #Heidleberg #Bulleen #Templestowe #Doncaster #YarraRiver #YarraBend #Melbourne #MelbourneBusiness #MelbourneProfessionals #MilanClubMelbourne

We get it, you're super eager for a home loan, but trust us: you don't want to spam lenders with home loan applications hoping for a 'Yes'. Applying for multiple credit facilities at once? It's a big no-no. Why, you ask? Because each application leaves a mark on your credit file, visible to all. If Bank A spots you flirting with Bank B, it's usually a hard pass from them. Chat with us first instead and we'll give you the inside scoop on what lenders really want. #CrestFinancialGroup #CFG #AustralianHomes #AustralianRealEstate #Property #Ivanhoe #Eaglemont #Heidleberg #Bulleen #Templestowe #Doncaster #YarraRiver #YarraBend #Melbourne #MelbourneBusiness #MelbourneProfessionals #MilanClubMelbourne

Lenders Mortgage Insurance (LMI) gets a bad rap. And yes while no one wants to pay an extra insurance (that protects the bank, no less), it can be difference between getting into the property market now vs much later. We'll definitely look at ways you can avoid paying this insurance, but as far as your long term property strategy goes, paying LMI may end up being in your best interests. Get in touch to understand more. #CrestFinancialGroup #CFG #AustralianHomes #AustralianRealEstate #Property #Ivanhoe #Eaglemont #Heidleberg #Bulleen #Templestowe #Doncaster #YarraRiver #YarraBend #Melbourne #MelbourneBusiness #MelbourneProfessionals #MilanClubMelbourne

Rejection stings. The last thing anyone wants to happen when applying for a home loan is to get knocked back. Here are five reasons this could happen: - You've got a bad credit rating - You don't have enough of a deposit - You haven't been in your job for long enough - Your spending habits are out of control - You're buying an apartment that doesn't meet the bank's requirements Just five reasons why speaking with us well before you apply for a loan is the best course of action. We have your interests at heart and will be able to help you put your best foot forward. Send us a DM to get started. #CrestFinancialGroup #CFG #AustralianHomes #AustralianRealEstate #Property #Ivanhoe #Eaglemont #Heidleberg #Bulleen #Templestowe #Doncaster #YarraRiver #YarraBend #Melbourne #MelbourneBusiness #MelbourneProfessionals #MilanClubMelbourne