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First Home Buyer

Christina helps the first home buyer get their finances right! Christina has personal experience with many loans personally.

Christina is down-to-earth, genuinely authentic and looking forward to helping you, the first home buyer, in buying a property.

We'll get your finances sorted out, so that you can get your home loan.

First Home Buyer

Questions Answered

  • Discovering your “Buying a First Home” Money Mindset

  • How much can I borrow?

  • How much deposit do I need?

  • What are the upfront costs?

  • What sort of loan should I get?

  • How do I get my pre-approval?

Apply Online

            

Home Loans 

Whether you are re-financing, down-sizing, investing or buying your first home. There is always so much to consider when taking out a loan.

That’s why it is vital to use an expert who understands the market. We can find the best loan to suit your needs.

We specialise in digging deeper into your circumstance and advising you about the best way forward and finding the home loan that will best serve you.

There are many types of house loans to select from.

Apply Online

                               

Investment Property Loans 

Christina has been helping property investors for the last two decades and empowers investors with the right skillset to build their portfolio with home loans.  

Having the right people to help you is key when investing in property.

Do your homework on the property market before you dive in, and we’ll be thrilled to help you when it comes to financing your decision.

Whether a first time investor or expanding your investment properties, you need the right advice to make confident, informed decisions.

Find the right fit for you and choose from a wide range of lenders as you pursue your financial goals.

Investors Apply Online

                        

Refinancing

As time marches on, situations change. Perhaps you’ve changed jobs? Or there’s a new addition to the family?
Maybe you would just like a better rate or maybe you want to start that renovation project.

It can all be a bit overwhelming but you can tap into a wealth of knowlege to guide you on your way:

Refinancing

  • The first step in deciding whether to refinance is to learn your financial goals. That’s where we can help.

  • Whether you’re getting cash out, looking to lower your repayments or shorten your mortgage term, lean on our experience and knowledge to help you make the right decision, the first time. 

  • With access to many lenders, let our speciality of diving further into the details to finding the best home loan work for you.

    I'm ready to apply to
    refinance or buy a property
Apply Online

                

Non-Conforming Loans

Non Conforming Loans have Non Bank Lending Solutions for Borrowers that don’t fit traditional lending criteria.
We are the experts in finding ways to assist with your loan approval.

But even if the banks have said 'no', it doesn't mean there aren't other options.

At the School of Home Ownership, we have access to many lenders – which includes lenders that specialise in helping people just like you.

Non-Confirming Loans

Who is it for?

  • You don't have a perfect credit history 

  • You have a solid income, but not much of a deposit

  • You need to consolidate a few other debts such as personal loans, credit cards or business debt

  • You have recently started a business or a new job

  • You are self-employed

Apply Online

                    

Self Managed Super Fund

We have heard so many stories of financial planners charging astronomical amounts to set their Superannuation up to purchase property loans.

Christina has personally had her own SMSF properties and loans so she knows exactly how it works.  It seems quite daunting with company and trusts.  However, once you've done it once, you get used to it.

Christina is down-to-earth, genuinely authentic and looking forward to helping you.

Buying with SMSF

  • Diversification: Spread risk by adding property to your investment mix within your SMSF.

  • Control and Flexibility: Have control over property decisions, including what to buy and and management.

  • Long-term Growth: Benefit from property's historical stability and potential for appreciation, boosting retirement savings.

Enquire Now

                              

Home Deposit Loan

Homeownership without the deposit.


Get onto the property ladder for around 3% upfront.

We'll cover your 20% deposit—you choose the best home loan and say goodbye to renting.

Wave Goodbye to Renting

  • Spend less upfront to buy your home. You only need to pay 2% of the property value (+GST and government fees) upfront to get a Deposit Boost Loan and a standard-rate home loan.

  • We accept any home loan. 
    OwnHome will accept a home loan with any bank or lender that you qualify with, whether that's variable, fixed, offset or redraw.
  • Ideal for people who have a good income but just can't save enough for the deposit right now.
      
    I'm interested to know more.
Enquire Now

                  

Business Loans 

The School of Home Ownership can help you obtain business loans using residential security and other assets.

 You can choose to have business loans using property as security or buying property under your business name. We can also help you navigate business loans to purchase equipment or to help with cash flow. The School of Home Ownership can secure funding for churches as well.

We’re here to help make business happen with lending products designed to fund growth and support cash flow.

Enquire Now

                              

Commercial Loans

School of Home Ownership can assist you with loans for commercial properties.

With a range of lending options, the School of Home Ownership provides investors, business owners and SMSF holders with commercial financing guidance making the process straightforward and simple.

Commercial Loans

  • Purchasing a commercial property as individual borrowers

  • Purchasing a commercial property under a trust or a company

  • Purchasing a commercial property in your SMSF

  • Renovating or updating a commercial property

  • Refinance an existing commercial property loan

Enquire Now

School of Home Ownership (Nexfer) provides access to a panel of lenders through National Mortgage Brokers Pty Ltd (ACN 093 874 376 / Australian Credit Licence 391209), which is a fully-owned subsidiary of Liberty Financial Pty Ltd (ACN 077 248 983 / Australian Credit Licence 286596).  

Nexfer has access to products including those from Liberty Financial.