i Lend Finance Solutions

When it comes to home loans, it pays to make the right choice

i Lend Finance Solutions is a Brisbane based mortgage brokerage established to assist clients achieve their goals. We understand how complex and time consuming it can be dealing with different banks. We eliminate this stress by shopping around for you. We have a panel of 30 lenders whom we compare hundreds of products and rates so that we can present you with the most suitable home loan.

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The Appointment Process

Each appointment will take at least an hour as we will be looking over your total financial situation.

Some of the topics we will cover...

Explaining the loan process and what will be involved starting from the initial appointment right through to being handed the keys to your new home. We will be there 100% to guide you along the way. Our consultants are contactable 7 days a week if you have any questions at all throughout the process.

i Lend finance solutions has access to comprehensive property reports which we provide to all our clients at no cost. These reports are extremely helpful when deciding which areas you would like to buy in as well as valuation figures on individual property.

Our unique industry leading Mercury software can instantly compare hundreds of interest rates and products from our lender panel as well as having access to accurate home loan repayment calculators showing exactly what your monthly, weekly or fortnightly repayments will be.

We will inform you on how much you can borrow from each of our lenders and how much deposit you require, as well as alternatives if you have no home loan deposit.

After the lowest current interest rate? No problem, we have access to 30 lenders so we can find you the best current interest rates and products.

Any credit issues or defaults? We have a number of non-conforming lenders on our panel who look at customers who may have credit issues.

Lastly and most importantly, all the information you provide will be kept strictly confidential as under the Privacy Act guidelines.

First Home Buyers

Buying your first home can be one of the biggest decisions you'll ever make so it's important you have access to the right information. I Lend finance solutions will guide you through the whole loan process.

Your very first home will likely be determined by your budget, so it's an excellent idea to get a home loan pre-approval so that you will have a better idea of how much you can spend. Pre-approval in hand, you can then figure out whether you're looking at a unit, townhouse or house.

You may also be eligible for the current Queensland First Home Owners Grant. This is normally an acceptable form of deposit for some of our lenders. Helpful information regarding the First Home Owners Grant can be found at https://greatstartgrant.osr.qld.gov.au/

Next Home Buyers

Are you looking for your next home? Have you decided that it is time to sell your current home and move into a more suitable home for your current lifestyle?
Buying the second time around is usually easier, as you've been there before and understand how it all works. You generally have equity in your existing home that you can use to your advantage or would like to turn it into an investment property. I Lend Finance Solutions can talk you through all the different scenarios for you to make an informed decision.

Refinancing your Existing Mortgage

Refinancing your existing home loan can bring you great benefits. Whether its to reduce your current interest rate and therefore cut down loan repayments or dissatisfaction with your current lender.

"Refinancing" lets you change your home loan to suit your changed needs and better opportunities. As home loans have added extra features, more and more people have decided there's other products that would better suit their needs.
I Lend Finance Solutions will compare the many lenders we have access to and find the best loan that suits your current needs.

Unlocking the Equity in your Home

Equity is the difference between what you currently owe on your home loan and what the house is worth.
An equity home loan gives you a line of credit on your mortgage up to an approved amount. The loan can be taken in full or in stages, making it useful for renovating or investing.

Investment Property

Property has been the investment choice for many Australians. It is a very smart wealth creation tool.
Investing in property can be a very rewarding experience, and has proven to be a profitable investment experience for many.

Finding the right property is vital, and can make a significant difference to your investment outcomes.

• Location – Location plays a key factor when searching for an investment property. A property which is close to transport, education, medical and entertainment facilities is sure to grow in value.
• Future urban development – Areas where councils or developers plan to add new facilities, show signs of future development and growth within the area, which is always a good sign.
• Budget – Your maximum purchase amount and ability and willingness to repay will play a large part in narrowing down your options of what areas and what type of property you can buy.
• Units vs Houses - Many investors have been told different things in terms of what makes a better investment – unit/townhouses or houses. In general either can work - units tend to have a higher rental return but lower capital growth than houses. Houses also have greater flexibility to upgrade and develop than units but are relatively more expensive in the same area.
• New vs Old - There is often debate about whether to buy an older or a new property. In general, newer properties are more expensive. But there should be less repairs, higher rent and higher depreciation allowances than older property.

Debt consolidation

A debt consolidation loan may consolidate all your credit cards and unsecured personal loans into a single loan. It can be a better way to manage your debt. You may end up with one manageable monthly payment at a lower interest rate, saving you thousands on interest and possibly shortening your overall loan term.