We help our clients secure their dream homes with an outstanding finance broking service.
At Ever After Homeloans we want our clients to feel loved and connected. The process for getting a loan can be a daunting one and this is where we want to shine.
Not all clients are the same especially in today’s market, so it is essential to review each client on an individual basis and tailor a solution to their needs and objectives.
Every loan and process is different. That's why we explain each process in its entirety, so our clients are informed and understand the process from the very start.
Communication is the key to ensuring our clients get the best possible service. We pride ourselves on providing continuous updates and clarity at all times on what to expect during the process.
We provide our clients with recommendations to trusted financial planners, insurers, conveyancers and building and pest-inspectors throughout the process to help keep things moving along.
With over 20 years of combined experience we know what works best for our clients. With our deep experience we are able to navigate the detailed application process and give you great advice on the best approach.
We love what we do and particularly love building long term relationships with our clients. Whether that is to help with future investments, or simply reviews, our service ethos is focused on the long term.
Some of the lenders we've worked with include...
Here’s what some of our clients are saying about us
"Nothing was ever a headache the communication was amazing. I can’t recommend these ladies enough!!!”
Thank you so much to your team for all the hard work you’ve done. You made the process so incredibly easy.
“5 STAR Review!! Lauren was absolutely amazing throughout every process of my loan and beyond. ."
"The honesty and results we get every time are beyond words! I recommend Lauren above and beyond every day!!”
From helping first home buyers, to refinancing existing loans and everything in between. We help with all the finance you need to buy your dream home now and in the future.
Working with over 60+ banks and lenders we are able to offer our clients a broad variety of options to suit their needs.
As a proud Queensland business we focus on providing a personal service that is flexible to our clients needs.
We understand how important it is to build a trusting relationship with your mortgage broker and are committed to ensuring this is something we maintain for the long term.
Who exactly can we help?
- First Home Buyers
- New home buyers
- Self Managed investment funds
- Companies and corporations
What comes first: the property or the loan?
It is easy to get carried away with the fun part of buying a property – looking at houses – but delaying the less compelling task of arranging finance will weaken your negotiating position on both the property and the loan.Looking for a property to purchase is an exciting time.
Choices regarding location, size, number of rooms and local amenities often see house hunters carried away in a deluge of daydreams and anticipation. But, before you get carried away, it’s important to check off the essentials first.
Although organising your finances may seem drab in comparison to perusing sales listings, gaining pre-approval with a lender will give you confidence about how much you can afford to borrow. First and foremost you need to determine if you’re eligible to borrow money from a lender.
Your ability to repay the loan will need to be assessed – you don’t want to find out after you’ve made an offer that your credit history or deposit is not up to scratch.” Arranging finance before finding the perfect property will put you in a good position when it comes time to make an offer. When you do find the house you have always wanted, you can present to the seller and estate agent as a prepared applicant who is serious and reliable. It shows you mean business, and gives them peace of mind that your financing will not fall through. Don’t be afraid to let the selling agent know you have conditional loan approval in place and that you are working with a broker.Sellers are most interested in completing their sale fuss-free and with steadfast funding, and showing that you are capable of both will help put you at the top of a potentially competitive list of applicants.
Arranging financing as an afterthought also adds immense pressure to the process of shopping around for the right loan and gathering the paperwork to prove you can service the loan. You don’t want to rush this process.Speak to us about next steps.
How to invest in property through a SMSF
For some years, self-managed super fund members have been able to invest in residential property, as long as they follow strict guidelines.
The first step is to have a discussion with an expert to determine whether investing through an SMSF is the most appropriate approach to property investment given your personal circumstances.
We have a team of experts that can assist with next steps in this regard. If it suits and is a goal then the next step is to set up the SMSF. It is often suggested that you do this before you start looking at an investment property to buy. Another tip is to be aware that rolling over any existing super into a SMSF may take up to a month to process, so build in time for this to occur. And remember insurance is also attached to your existing super fund in most cases so you need to ensure that this is also assessed as you move forwards.
The property that you purchase is purchased via a bare trust. This is effectively what the lenders lends money to. The purpose of this trust is to allow a limited recourse borrowing arrangement to occur. This means, should you hit unexpected difficulties and be unable to make repayments, your lender can only access the assets that the loan is against.
One potential difficulty is that you have to have found the property you want to purchase to be able to establish the loan. It is all linked together and must treated as such.
What can you buy?
There are two main, and fairly simple, rules of buying residential investment property through SMSFs. Firstly, you and your relatives cannot live in the property and, secondly, you can maintain the property but cannot improve it. Oh and generally construction is not a consideration.
The maximum borrowing within an SMSF is normally 80 per cent of the property value and it’s important to take into consideration that there is a cost to establishing and maintaining your SMSF, as well as subsequent fees and charges involved in the purchase of the investment property.
Thinking of investing in property through an SMSF? Ask us how this could work for you?
When was your last home loan review?
Circumstances can change, leaving your home loan less suitable than it was originally. A home loan review can reveal if you’re paying too much.
We can do a full home loan review for you either in person or over the phone. We will check if your loan is still competitive and still suited to your individual needs. Having an expert do this for you can also take the stress out of the process for you. It is advisable to get this check done at least once a year, or if your circumstances change.
Questions to ask….
Be aware of what you want checked. Think about the following when you speak to your broker:
- Am I paying an unreasonably high interest rate?
- Am I paying high fees?
- Am I happy with the service I receive?
- Does my loan give me the features I need?
- Am I paying for features I don't use?
Have my financial circumstances changed?
A home-loan review costs you nothing and could save you thousands. Your home loan features could be improved or you could find yourself with a lower interest rate. A better payment structure could also be introduced, making your repayments more manageable. Checking the state of your current loan could uncover the possibility of taking out additional finance, which can consolidate any other debt you may have or help you purchase an investment property.
Amet minim mollit non deserunt ullamco est sit aliqua dolor do amet sint. Velit officia consequat duis enim velit mollit. Exercitation veniam consequat sunt nostrud amet. Amet minim mollit non deserunt ullamco est sit aliqua dolor do amet sint. Velit officia consequat duis enim velit mollit. Exercitation veniam consequat sunt nostrud amet. Amet minim mollit non deserunt ullamco est sit aliqua dolor do amet sint. Velit officia consequat duis enim velit mollit. Exercitation veniam consequat sunt nostrud amet. Amet minim mollit non deserunt ullamco est sit aliqua dolor do amet sint. Velit officia consequat duis enim velit mollit. Exercitation veniam consequat sunt nostrud amet.
"During my property search back in August, we came across Eleanor and so the fun began. Eleanor and Lauren made life super easy. I can’t thank them enough for their time & advice and taking us through step by step. We were able to get approval for our property within 1 week of signing the contract thanks to their advice on getting pre-approval. Nothing was ever a headache the communication was amazing. I can’t recommend these ladies enough!!! They’ll be our broker for all home purchases within our family, but also would be my recommended broker to all our friend and families. The process was smooth thanks to the hard work of these wonderful ladies! Both well experienced and can help no matter the circumstance whether you’ve got deposit all set or if you’re needing guidance in making a purchase possible. If you’re needing someone who understands your circumstance and needing a team that’ll run smoothly, this is the team for you! Highly recommended 100/100"
Here are some of our most frequently asked questions