The home of the home loan in Australia
All Australians dream of owning their own home. Whether it’s your first home, your next home, a property investment or building a new dream home, Phoenix Mortgage Management will find the loan that’s right for you and guide you through the home loan process. We can offer a range of finance products:
Home loan / Refinance
Whether you’re looking to buy a house, refinance or upgrade an existing home, we can help with a range of home loan solutions. Phoenix can also help with a home loan pre-approval so you know exactly how much you’ll have to spend on your new home or renovation.
First home buyer finance
If you’re just starting out and buying your first home, our experienced brokers can help you find the right finance solution. We can assist with checking your eligibility for the First Home Owners Grant (FHOG) and submit the application on your behalf, and Phoenix can also help with a home loan pre-approval so you know exactly how much you’ll have to spend on your new home.
Construction home loans
Construction home finance can be much more complex than a ‘standard’ home loan, and our brokers have experience with these sometimes tricky construction home loans. Phoenix Mortgage Managers can help reduce the stress, time and effort you’ll need to invest.
Not enough deposit? No problem. We have finance solutions that can help get you into your new home.
Low deposit and No Deposit Home Loans
Finding the right low deposit or no deposit home loan can sometimes mean the difference between realising the dream within your means, or your dream home being forever out of reach. It’s crucial to find the right product that’s tailored to your needs, and Phoenix have a number of options exclusive for our clients.
Phoenix Super 7 Loans
Once we have your details and understand your plans, we can quickly identify the best options for you, including our ‘Super 7 Loans’:
1. The Deposit Gap Loan
If you’re building through one of our building partners, the Building Loan Assist product can help get you into a new home with no deposit. This unique product is available only through Buyers Choice Finance (note due to stamp duty variances between the states, there may be a surplus amount for Victorian borrowers).
2. The 5% Low Deposit Non-Genuine Savings Loan
This can be a great choice if you have a lump sum such as a gift from parents, an inheritance or tax return. This can be used as a deposit to purchase your home or for your construction loan.
3. The Guarantor Assist Home Loan
This option allows your parents to use their equity to help you get a home loan and significantly reduce the deposit amount required and the mortgage insurance payable. This may be in the form of cash or equity in their current home, which is used as security for your new home.
4. The Investment Loan
If you’re looking to buy an investment property or portfolio, we can offer a variety of finance options, including interest only, to meet your needs.
5. The Commercial Loan
Talk to our experienced brokers to see how we can assist in finding the right finance for your commercial venture.
6. The Self-Managed Super Fund Loan (SMSF)
Need funding towards a purchase for your SMSF? We can help with finance options to help you grow your Fund for the future.
7. The Reverse Mortgage Loan
If you’re considering a reverse mortgage to free up some of the equity in your home, our team have access to reverse mortgage products to suit your needs and give you peace of mind to enjoy your retirement.