When to start?
Taking on a new loan or more debt is as challenging as working hard to pay it off over months/years/decades. You should be asking the right questions. ANIG WM expertise is offered to ensure you are well positioned in making an informed decision given that it could be a lifelong decision.
Some say the property ladder is the hardest ladder to climb in Australia. You are either saving up a 20% deposit for the property you are looking to buy for your home or the alternative is to tap into existing equity from parents, family or a loved one’s asset and using it to get your head start. There are pros and cons for each approach and we are seeing most first home buyers utilising family properties to get the head start. Our role to our clients is to help them understand the impact of each and how they could apply the most financially beneficial one to save time and money.
As a property advisory group, ANIG WM will help you design a budget for you to better understand your cash flow and how things could play out upon taking on the new loan.
Our wealth advisers will help work out your borrowing capacity for you to understand how much you can afford to spend on a property.
We will educate you about the different types of loan structures and how you could apply them to your finances and save on interest repayment.
With your strategy we can introduce you to an ethical broker, a lender or work with your preferred broker ensuring your strategy is implemented.
e can provide you a guide on how to best approach this before you speak to a bank or a broker.
Our wealth advisers will review your situation and advise about any available benefits you may be eligible to and also assist you with with the application process.