Meet Your Broker
Liz Henderson, an expert on your side
Ray White Unlimited works with Loan Market home loan expert, Liz Henderson, who has 7 years experience in the home loan industry. Liz can assist you to source an appropriate home loan, whether you are a first home buyer, moving house, or looking for an investment property, and has access to home loan and investment loan options from every major bank and secure lender in Australia.
Home loans
The type of home loan you choose will depend on a range of factors including the size of the loan you require, the property you intend to purchase, the deposit you have and your lifestyle. Suitable loan types include: standard variable or basic variable rate loans, fixed rate loans, honeymoon or introductory rate loans, line of credit loans and options for low deposit holders.
Upgrading
Upgrading to a new property or new location can be very exciting. To make the process easier, make sure you organise your home loan well in advance. If you need to sell your existing home to complete the process, a bridging loan may be suitable, or you may be able to move your existing home loan to the new property through a portable loan option.
Investing in Property
Property investment can be a great way to build wealth and set yourself up for a strong financial future. Smart property investment relies not just on finding the right property in the right location, but also on structuring your property investment loan correctly.
How much can I borrow?
Most people purchasing property ask Liz upfront, ‘How much can I borrow?’ This is important for any buyer to understand, and helps you to formulate a target purchase range that can minimise the time you spend looking for property. How much you can borrow will depend on a number of factors, including your income, existing debts, number of dependents and the property you intend to purchase. How much you can borrow will also differ between lenders so get an expert assessment on your borrowing capacity before you start your property search.
First home buyers
Getting a home loan if you are a first home buyer is all about being prepared. Liz can assist you to determine how much deposit you need (and how to save for it if you haven’t got it already), how much you can borrow, and which home loan is the right option for your particular situation. First home buyers in NSW also have access to great first home buyer incentives, including the First Home Owner Grant (FHOG), First Home Plus, and stamp duty discounts. Liz can help you to determine what assistance you are eligible for, and to apply once you are ready to purchase property.
