Finance Solutions

Your Future. Your Choice.

Building a new home should be an exciting time, but navigating the countless options, questions and decisions can be overwhelming. You may be wondering “how much can I borrow?” and “what are my repayments likely to be?” - this is where Finance Detective can help.

We have assisted thousands of home builders to compare and select the right loan. With over 800 products to choose from, across 23 of Australia's leading lending institutions, we are well placed to help you to make some of the difficult decisions and guide you along every step of your lending journey. We’ll even do most of the hard work on your behalf.

Finance Detective is a premium, multiple award-winning financial solutions provider, located in Perth, Western Australia. As well as being specialists in first home buyer construction loans, we provide our clients with access to industry leading solutions for home, commercial and personal loans, refinancing and other complementary financial products. We are one of the top performing financial solutions providers in Australia, successfully assisting thousands with loan inquiries in excess of $1 billion. We've won numerous awards and saved our clients millions of dollars along the way.

The highly qualified and dedicated team have amassed a wealth of industry expertise and are equipped to deal with all aspects and complexities of the mortgage market.

We look forward to guiding you through your available options, and assisting you to secure your new home.

 

finance-detective

PRIVACY STATEMENT

In handling your personal information, Finance Detective is committed to complying with the Privacy Act 1988 and the National Privacy Principles.

How and why we collect your personal information

We collect personal information from you when you apply for or use our products and services. In particular, we collect it so we can:

  • Provide you with the products and services you require, which may include financial and insurance products and services.
  • Provide you with information about products and services available to you from Finance Detective and associated businesses.

Providing your personal information to other organisations

In providing products and services to you it may be necessary for us to provide your personal information to other organisations with which we conduct business. Other such organisations include related entities, mortgage managers, lenders, solicitors and legal advisers, accountants and auditors, printers and mailing services, insurers, collection agents, conveyances and government agencies which regulate our products and services. Your personal information is only provided to those entities to the extent necessary to enable us to provide our products and services to you.

Marketing Information

If you consent to us doing so, we may provide you with information from time to time about new products and services available to you from Finance Detective, or other businesses with which we have a relationship. Your consent to our providing this information to you will be implied unless you notify us that you do not wish to receive this information.

In order to provide products and services to you and to assist you in applying for a home loan and related products and securities, we require information about you. If you do not provide us with all of the information we request we may be unable to supply to you the product or service that you require.

Your rights

The Privacy Act gives you rights to access the personal information we hold about you, and you can ask us to correct the information if it is inaccurate. You can gain access to the information we hold about you at any time.

Minimum requirement….
  • 3 months in your job
    You will need to have been employed for a minimum of 3 months and not be on probation
  • A good credit rating (we will arrange a check for you
What you will need….
  • 2 recent pay slips if PAYG
  • Latest group certificate or 2 years tax returns if self employed
  • 100 point ID -2 forms either Drivers License, Passport or Birth Certificate
  • If your deposit is less than 20%, the Mortgage Insurers will require 3 months bank statements.
  • Current statements of personal loans or other loans (if applicable)
  • The Contract of Sale for the property you are purchasing.
  • Tenancy agreement showing names and address of rental property
    Statement from Real Estate Agent showing regular payments

 

That’s it…we do the rest!


First Home Owners Grant

The First Home Owners Grant in WA, is now $10,000 for those looking to build a new home. The grant for established homes has been removed altogether. A clear advantage for first homebuyers to build their first home.

The First Home Owners Grant (FHOG) is a payment from the State Government. It’s a genuine grant that you don’t have to repay.

Our experienced consultants will guide you through the entire application process for the First Home Owners Grant.

 

To qualify, you must:
  1. Be 18 years of age or older
  2. Be an Australian citizen or permanent resident
  3. Never have owned a residential property in any State or Territory of Australia
  4. Never have received a First Home Buyers Grant from any State or Territory of Australia
  5. Occupy the home as your principal place of residence for a continuous period of at least 6 months within 12 months of the completion of the FHOG transaction.
To Bonus Stamp Duty Concessions:

What’s more, stamp duty for first home buyers is waived (for homes of up to $500,000 in value) In addition to the First Home Owners Grant (FHOG), the government offers very generous concessions on stamp duty when you purchase vacant land. In fact, if you pay up to $300,000 for your vacant land, you’ll pay no stamp duty on it at all. That’s a huge saving of approximately $9,000!

 


No Saving Home Loans

If you have difficulty saving this is the perfect product to fast track your home. Today many banks require you to have 5% genuine savings to be eligible for a home loan. This means that you need to show evidence of saving over a period of time. We can now get you into a home with no genuine savings. If you have just won big on the track, or come across some inheritance, then you may qualify to get into a home right now.

Are savings and borrowing capacity getting in the way of your new home? Are your parents willing to give you a hand? If so, they can become guarantor on your loan by providing security with their property. With little or no cost to them they can assist you with making the move into your own home.

Other Home Loan Types
  1. No deposit Home Loans
  2. Low Doc Loans
  3. Home Equity Loans
  4. Bridging Loans
  5. Investment Loans
  6. Offset Loans
  7. Home to Home Loans
  8. Keystart Home Loans

For more information please contact one of our Sales Consultants.

 

First Home Buyer

INITIAL CLIENT CONTACT

APPLICANT 1

First Home Buyer? Yes No

Name:

Phone:

Date of Birth:

Dependants:

Occupation:

Employment:FT PT Cas SE 

Time in Job:

Income:

Savings:

Current Address:

Suburb:

Postcode:

APPLICANT 2

First Home Buyer? Yes No

Name:

Phone:

Date of Birth:

Dependants:

Occupation:

Employment: FT PT Cas SE

Time in Job:

Income:

Savings:

Current Address:

Suburb:

Postcode:

Existing Loans (car, house, personal, etc.

APPLICANT 1

Amount Owing (first):

Min. Monthly Repayments (first):

Amount Owing (second):

Min. Monthly Repayments (second):

Amount Owing (thirth):

Min. Monthly Repayments (thirth):

APPLICANT 2

Amount Owing (first):

Min. Monthly Repayments (first):

Amount Owing (second):

Min. Monthly Repayments (second):

Amount Owing (thirth):

Min. Monthly Repayments (thirth):

Card Limit and amount owing

APPLICANT 1

Amount Owing (first):

Min. Monthly Repayments (first):

Amount Owing (second):

Min. Monthly Repayments (second):

Amount Owing (thirth):

Min. Monthly Repayments (thirth):

APPLICANT 2

Amount Owing (first):

Min. Monthly Repayments (first):

Amount Owing (second):

Min. Monthly Repayments (second):

Amount Owing (thirth):

Min. Monthly Repayments (thirth):

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