Finance
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ONLINE CALCULATORS
The Loan Market provides online calculators to assist you during your home
purchasing process.
Richard Moffitt Ray White Newcastle Group
Richard Moffitt Home Finance Broker
Ray White Newcastle works with Loan Market Home Finance Broker, Richard Moffitt. With 37 years experience in the banking and finance industry, Richard can help you with your home loan, investment loan, or commercial finance requirements. From the first home buyer to experienced investor, Richard has the industry know-how and connections you need to get the right interest rates, structure and flexibility you need for your particular circumstances.
Home loans, investment loans, commercial finance
Whatever type of property you are looking to purchase, getting your finances sorted out early can ensure you are in the best position to negotiate for the property you want on your own terms. The right loan structure can maximise your borrowing capacity whilst minimising costs.
Affordable home loans
No one wants a home loan they can’t really afford so let Richard assess the amount you can borrow from a range of major banks and secure lenders to determine which one both suits your needs and your financial position.
First home buyers
First home buyers have access to some of the best government assistance and support in the form of the First Home Owners’ Grant, the state government First Home Plus and First Home Plus One intiatives, state government funding and stamp duty concessions. Richard will assist you to determine your entitlements and complete the paperwork, as well as helping you to find and secure a good home loan.
Home Loan pre-approval
Home loan pre-approval will put you in the strongest position to bid at auction or negotiate with a vendor. Pre-approval is offered by most banks and lenders and is usually valid for around three months and Richard can easily assist you to get it. A formal, written home loan pre-approval may cost you some money in processing fees but is the most secure indication of how much you can borrow.
What a good mortgage broker does for you
When looking for a home loan, the combination you choose will affect the overall cost of your loan and your ability to pay off your home loan faster, so getting it right at the outset is important. A mortgage broker offers loans from a panel of financial institutions, including banks and non-banks and can give you both a good understanding of what is available as well as work with you through the process of getting your loan.
Richard Moffitt
M: 0412 298 190