When it comes to giving you solid mortgage advice, we don’t pull any punches.
Yes, we compare heaps of lenders, negotiate a better rate and do all the paperwork and running around. But we also do a whole lot more.
“Before I approached Black Sheep Finance I didn’t feel at all confident about buying my first home, but Tish took me through everything associated with purchasing a home. She went above and beyond. Trust me, these guys know what they’re doing.”
Explaining what all the lending terms and financial jargon really means and how the home loan game works
Discussing your spending and savings habits
Breaking down the true costs involved in buying a house (including things like stamp duty, conveyancing and mortgage insurance)
Teaching you how to negotiate a good deal and helping you to make an offer on your future home, including which terms to put on the offer form
Calculating how much deposit you’ll need, how much you can borrow, and what price you should be buying at
Taking care of the conveyancing and insurance arrangements for you
Debunking the “lower the rate the better” myth, explaining comparison rates and revealing any potential issues with bank packages.
Helping you structure the loan correctly – based on how long you intend to stay there
Explaining offset and other tricks to show how you can pay your mortgage off faster
Reviewing in 3-12 months to see how your home loan is progressing and if it’s working for you
We won’t recommend the hottest home loan on the market, but rather help you make a considered, careful choice.
We want you to choose a home loan that grows with you and offers the flexibility you need.