Three out of every five Australians - a number that continues to rise - retire without sufficient savings and rely on government pensions. A staggering number of Australians face the prospect of a reduced lifestyle when their regular income ceases. As a nation of hardworking individuals, we deserve better, which is why The Finance Architect has been established to contribute to the solution.
We collaborate with ambitious Australians between the ages of 25 and 45 to help them prepare for property acquisition and achieve debt elimination within a decade. Why? Because freedom from debt provides us with choices. Choices regarding our activities, travel destinations, and the lifestyle we wish to lead. Choices related to how we care for our children, families, and the legacy we intend to leave behind. Nothing grants greater freedom than having control over our own financial journey.
The Finance Architect boasts more than a decade of experience in residential finance, and we have assisted hundreds of clients in attaining financial freedom. We would be delighted to work with you as well!!
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breanna buglass
Cannot recommend Stephanie highly enough! Extremely thorough and patient and made what I thought was the impossible possible. Thank you so much Stephanie and team!
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Samantha Lemmens
Dale was recommended to us by our real estate agent after we experienced shocking service from our bank when purchasing our forever home and we are so glad she did! The level of service from our initial meeting with Dale was exceptional and I left the call no longer stressed about our finance. Within less than a week of signing the loan application forms we had received formal approval of our loan. Fantastic customer service, no question was too hard. We highly recommend Dale and his team.
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Yee Lin Loke
Made the whole process easy for us to follow through and ultimately gave us the best options based on our circumstances. Highly recommended.
The best interest rate varies from person to person based on individual circumstances. A larger deposit and borrowing less than 80% of the property value can help secure more favourable rates. However, the interest rate is just one of several factors we consider when making recommendations. Other factors include lending products, service quality, turnaround times, flexibility, and lender policies. Our goal is to ensure our clients don't overpay, so we frequently request better pricing from lenders during regular loan reviews.
Yes, you can. Depending on factors such as GST registration and the length of time your ABN has been established, it may be possible in some cases to use financials from the previous financial year. Some lenders also offer financing without financials, provided your BAS is current and the numbers align. Understanding which lenders are more accommodating to self-employed applicants is crucial, and our expertise can guide you through these types of applications.
In general, no. However, there are exceptions that depend on the complexity of your situation and whether we will receive compensation for our services. Any applicable fees will be transparently communicated to you at an early stage.
The notion that a 20% deposit is mandatory is a misconception. Depending on your circumstances, the minimum deposit is often just 5%. We will advise you on the required deposit during your initial appointment with us. If you have a family guarantor, it may even be possible to buy property with no deposit at all. Feel free to contact us for more information.
In brief, it's all about choice (with access to 50 lenders), service (our unwavering commitment to supporting you, not just for the immediate transaction but also your long-term goals and objectives), and advice (our expert guidance tailored to your unique needs). Banks simply can't compete with our offerings. Moreover, we are obligated to act in your best interests, in line with the recently introduced Best Interest Duty (BID), a requirement that banks cannot fulfill.
To be frank, writing a home loan isn't particularly challenging; our value lies in the ongoing service we offer. We proactively review our clients' loans and portfolios, identifying opportunities for you to expedite debt repayment, amass wealth, or enhance your lifestyle.
Absolutely! Like anything worthwhile, it requires commitment and sacrifice, but the prospect of being debt-free in a decade sounds appealing, doesn't it?
Absolutely, no problem. Our services are entirely digital, and our appointments are primarily conducted online. We have clients from all over Australia, and even some based overseas, so your location poses no hindrance.
Yes, we can. The SMSF (Self-Managed Super Fund) space is currently a trending option, and we work with several lenders who operate in this market. If you already have SMSF lending, when was the last time you reviewed it? We've seen substantial savings for clients who were able to secure significant interest rate reductions. If you haven't had your SMSF loan reviewed, it's in your best interest to schedule a Loan Review with us.
This varies. We can expedite the application process as much as you can, but the timeline ultimately depends on your chosen lender. Some lenders can process applications within hours, while others may take anywhere from 3 to 14 business days. Bank turnaround times can occasionally influence our recommendations, especially if you have a specific timeframe in mind.
Certainly. We encounter many people in a similar situation, whether they're not quite ready but have a goal, or they're unsure about their readiness. We'll guide you every step of the way, speaking in plain language while explaining the necessary steps for obtaining financing.