Home Loans
At Titanium Financial, we understand that securing the right home loan is a crucial financial commitment when purchasing a property. Whether you’re planning to own one home or multiple properties throughout your life, our team is here to provide unwavering support every step of the way.
With countless lenders and hundreds of home loan products available, navigating the options can be overwhelming. However, we are here to simplify the process and guide you to find the ideal mortgage that suits your specific needs.
Pre-Approval
Obtaining a pre-approval for a home loan is one of the most important steps you can take as a home buyer, especially if you are new to the property market. Having the assistance of an experienced broker during this process is crucial.
A loan pre-approval means that a lender has agreed, in principle, to lend you a certain amount of money towards the purchase of your home. However, it is important to note that it is not a final or full approval. Pre-approval allows you to have a clear understanding of your maximum available funds, which can help you narrow your property search, negotiate with more certainty, and bid with confidence at auctions.
First Home Buyers
Titanium Financial is here to assist and support first-time buyers in achieving their dream of owning a home. We understand that the process of becoming a homeowner can feel overwhelming, which is why we are committed to guiding you through every step.
As a first-time buyer, it is unlikely that you will be able to purchase a property with cash alone. This is where a home loan becomes essential. Typically, lenders require a deposit of 20% of the purchase price, which can be a significant amount in today’s market. However, other options and incentives may be available. At Titanium Financial, we’ll guide potential first time home buyers through their options.
Refinancing
Regularly reviewing your home loan is essential, as it allows you to assess whether your current mortgage still meets your needs and if there are opportunities to save money. In times of volatile interest rates, it becomes even more crucial to stay proactive. Rather than setting your home loan aside and forgetting about it, consider the benefits of refinancing with the help of a broker.
There are various reasons why you might consider refinancing your existing home loan. One of the primary motivations is the opportunity to secure a lower interest rate, which can result in reduced monthly payments and potential long-term savings. Refinancing can also be beneficial if you’re nearing the end of a fixed-rate term and want to explore new options.
Investment Loans
When considering an investment property loan, there are several key requirements to keep in mind. Firstly, maintaining a good credit history is crucial, as lenders will assess your creditworthiness before approving the loan. Additionally, you will need available funds or equity in another property to cover the deposit and associated costs, such as stamp duty.
Investing in residential or commercial properties can be a strategic move to boost your retirement income or provide opportunities for family and friends, such as holiday accommodations.
Vehicle Finance
When it comes to purchasing a new or late-model vehicle and securing a loan, it’s crucial to approach the dealership’s own finance plan with caution. It’s important to note that car dealerships can make significant profits from financing your vehicle, sometimes even more than from the sale itself.
Unlike other finance providers, car dealerships have traditionally operated under an exemption from the National Consumer Credit Protection (NCCP) Act 2009. Known as the Point of Sale (POS) exemption, this allows dealerships to bypass certain checks, balances, and disclosure requirements intended to protect consumers when obtaining credit.
Asset Finance
At Titanium Financial, we specialize in providing comprehensive financing solutions for boat and machinery purchases. As trusted finance brokers, our goal is to simplify the process of obtaining finance for your boat or machinery, ensuring a smooth and hassle-free experience.
Our team of experienced professionals understands the unique financing needs of boat owners and businesses in need of machinery. We work closely with a wide network of reputable lenders to secure the most competitive loan options available in the market, tailored to your specific requirements.
Personal Loans
Personal loans are a common financial tool used by individuals to cover significant expenses such as weddings, holidays, car purchases, medical treatments, home renovations, or debt consolidation. When obtaining a personal loan from a bank or financial institution, borrowers are required to repay the borrowed amount within a specified period, and interest will be charged. It’s important to note that some lenders may also apply additional fees.
At Titanium Financial, we understand the importance of finding a personal loan that suits your specific needs. Our experienced team can assist you in evaluating the various options available, considering the advantages and disadvantages of each.
Business Loans
Titanium Financial is a trusted and reliable finance brokerage firm that specializes in helping small and medium enterprises (SMEs) achieve their financial goals. With our extensive experience and understanding of the unique challenges faced by small businesses, we go beyond traditional lending solutions to provide tailored financial support.
We believe that every business is unique and deserves personalized attention. At Titanium Financial, we take the time to understand your business operations, goals, and financial needs. We work closely with a wide range of lenders who specialize in SME financing, ensuring that we can find the right match for your business.
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