Service

The Three Steps of Buying your home:

Planning

Things you will need to consider, and prepare for as you start on your journey to buying a home.

• How much do you really need for a deposit?

• How do I save for that deposit?

• How do I get the First Home Owner Grant (FHOG)

Finding

Learn what you need to organize when you want to buy and how to estimate properties prices.

• Understanding Approvals

• Different ways of buying a House

• How to understand a properties worth.

Buying

How you can be ready to purchase and settle, then manage your home loan after settlement.

• Property settlement; how does it work

• How can bank Valuations and purchase price be different?

• Pre settlement inspections: ask us

As trusted advisors we can coach and assist you through your first home buying journey from start to finish, our services are without any cost or obligation and we are available at all times.

Why you would need us in your corner to help guide you through the 3 steps.

If you have had your current Home/Investment loan for a few years, it is likely that your needs have changed. Your financial circumstances could now be different; your current lending may not have the flexible features that are now available.

This is now the perfect time to review your Home/Investment lending to help you achieve your financial goals sooner.

Reasons to refinance & Invest

• You could be looking for a better interest rate or new features and add-ons such as flexible repayments, redraw facilities and account splitting.

• You may be looking to use the equity in your home to renovate, or purchase an investment property, purchase Shares, or Wealth Creation.

• If you are coming to the end of a fixed-term, it is the perfect time to see if you can get a better Interest rate.

• You could be looking to consolidate debts such as personal loans, car loans, credit cards so you can manage your finances.

• Refinancing your lending could potentially offer tax benefits if you refinance to access the equity in your home and use those funds to Invest.

Need a loan to build a house?

You will need to find a reputable, licensed Insured builder, draw up plans, your builder can take care of this, you will require the following:

Building contract, Specified House Plans, Progress payments schedule.

How a construction loan works you will make progressive payments you can progressively draw funds as required during the construction, to help you save on interest. Payments are interest only until the loan's fully drawn down - after that, you may choose to keep making interest only repayments. Your interest only period starts from your first progressive payment. If you decide this option is right for you, your repayments will be lower during the interest only period but you will have to repay the principal down the track.

We can guide you through the building process as we have the experience and have personally built several homes.

We at DCI Finance want to make it easier for you and your business to grow.

There are various types of finance available to enable you to lease or rent equipment used in your business.

These types of asset finance include Finance Leases, Operating Leases, Equipment Finance and Hire Purchase.

Talk to one of our team today to find out how you can free up working capital for your business and financing the purchase instead.

From motor vehicles, trucks and office equipment to earth-moving equipment, DCI Finance will be able to assist in finding an Asset finance solution for your business.

A personal loan can be a way to help you pay for something if you don’t happen to have the funds available upfront.

Options Include:

1. Make some home improvements

No matter what state your home is in, it can feel like there’s always something that could do with a little fixing up. Making a number of small changes to your property can also add value when it comes time to sell.

2. Pay for a wedding

Weddings can be expensive. A personal loan can help you have the wedding of your dreams.

3. Head off on holiday

Whether it’s a special occasion to celebrate away from home or you need a holiday break, you can use a personal loan to cover your upfront costs and repay them when you return.

4. Buy a car

For many of us, a car is an expensive, but necessary part of life. If you’re in need of new wheels you may not want to compromise on quality because you don’t have time to save the full cost of the car. A personal loan may help you find the balance between affordable and fully functioning.

If the above is what your considering or needing. Let me know and ill find out the best option available for you.

Paying off more than one debt at a time can be challenging and complicated. Debt consolidation can help bring all your existing debts together into one loan, offering you greater control of your financial situation. One common way to do this is by taking out a new personal loan and using the funds to pay off your other existing debts. You can then pay back this new loan with a single set of repayments over a set term, giving you peace of mind that you know exactly when and how much your repayments will be.

Why consolidate your debts?

Benefits are:

• One single set of recurring repayments that are easier to manage

• A clearer timeline of when you can be debt-free

• Greater control of your budget and cash flow.

To help simplify your financial situation, you can consolidate all these debts into one personal loan. This allows you to have just one set of recurring repayments to make over a set term, with a single interest rate.

If the interest rate on the personal loan is lower than your existing debts, this can also help you get ahead in reducing your overall debt.

Allow me to guide you through the process to get a better understanding.