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Finance Broker Carine 

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Let Me Help with Your Home Loan. I'll Make it Easy.
Let Me Help with Your Home Loan. I'll Make it Easy.
Call Perth Mortgage Broker
"Jon Ashfield"
Call Perth Mortgage Broker
"Jon Ashfield"
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Finance Broker Carine

Finance Broker Carine

Are you looking to buy or build in Carine?

Carine Location and Area Details

Carine is a suburb of Perth, the capital city of Western Australia, and is located 14 kilometres north of Perth’s central business district between Marmion Avenue and Mitchell Freeway. Its local government area is the City of Stirling.

Why Use A Mortgage Broker

Ashfield Finance is a Perth-based Finance Broker that provides finance for home purchases. 

Whether your situation is simple or complex. We have the expertise to help.

We are well-suited to serve first home buyers, young families, and those who want to build their home.  The owner, Jonathon Ashfield, is the best person to speak about for your mortgage needs and is a phone call or enquiry form away.

Other lending terms we are known by.

What is a Finance Broker: A mortgage broker is a professional who acts as a bridge between borrowers and lenders. They help you find the right mortgage product and lender that fits your needs and guide you through the application process.

Why it is better to talk to a Finance Broker and not your bank about getting a loan: A mortgage broker has access to a wide range of lenders and mortgage products. They can find the best loan deal that suits your needs and negotiate better interest rates and loan terms on your behalf. On the other hand, your bank only offers its own products, which may not be the best fit for your financial situation.

How mortgage brokers find the best loan deal for you: A mortgage broker will assess your financial situation, understand your goals, and consider your credit score, income, and expenses. Based on this information, they will recommend the best loan products and lenders that suit your needs and negotiate the best terms for you.

Finance Broker Carine

Talk to Jonathan about your finance options today!

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Are you feeling a bit lost In the Carine house hunt?

Jonathan gets asked these questions quite often and he’s got the best answers for you!

  1. What makes Jonathon Ashfield the best Finance Broker for first home buyers in Perth?
  • Jonathon has extensive experience in helping first home buyers navigate the complex process of obtaining finance for their first home. He is known for his patient and thorough approach, ensuring that his clients fully understand the options available to them and make informed decisions.
  1. How does Jonathon assist young families in upgrading their homes?
  • Jonathon has a deep understanding of the financial needs of growing families and will work with you to find the best mortgage solution to meet those needs. He is known for his ability to find creative solutions and for his commitment to ensuring that his clients are comfortable with the terms of their loan.
  1. Can Jonathon help me find finance for a home and land package?
  • Absolutely! Jonathon has a wealth of experience in helping couples finance their dream home. He has access to a wide range of lending options and will work with you to find the best fit for your needs.
  1. How does Jonathon make the loan process stress-free for his clients?
  • Jonathon’s primary goal is to make the loan process as smooth and stress-free as possible for his clients. He takes the time to fully understand your financial situation and provides clear, concise information throughout the process. He is known for his attention to detail and his ability to handle even the most complex loan applications with ease.
  1. Why should I choose Jonathon Ashfield from Ashfield Finance over other mortgage brokers in Perth?
  • Jonathon has a reputation for providing outstanding service and getting his clients the best possible deal on their mortgage. He is known for his honesty, integrity and for always putting his clients’ interests first. When you choose Jonathon, you can be confident that you are working with one of the best mortgage brokers in Perth.

Have a budget in mind but need a way to reach it?

Here are some tips to help increase your borrowing capacity:

  1. Improve your credit score: A higher credit score can help you obtain a lower interest rate on your mortgage, which in turn can increase your borrowing capacity. To improve your credit score, pay your bills on time, keep your credit card balances low, and avoid opening new credit accounts unless necessary.

  2. Reduce the number of credit cards you own: Each credit card reduces your borrowing capacity, so consider reducing the number of credit cards you have.

  3. Lower the limits on your credit cards: High credit limits can reduce your borrowing capacity, so consider lowering the limits on your remaining credit cards.

  4. Increase your income: The more you earn, the more you may be able to borrow. Consider taking on additional work or exploring job opportunities with higher salaries.

  5. Reduce your debts: High levels of debt can reduce your borrowing capacity. Pay off credit card balances, personal loans, and other debts as much as possible before applying for a mortgage.

  6. Make a larger down payment: A larger down payment can increase your borrowing capacity because it reduces the amount you need to borrow.

  7. Consider a co-borrower: If you have a spouse or partner with a good credit score and income, they may be able to help increase your borrowing capacity by co-signing the loan.

  8. Seek advice from a mortgage broker: A professional like Jonathon Ashfield from Ashfield Finance can provide you with personalized advice on how to increase your borrowing capacity, taking into account your individual financial situation.

Remember, increasing your borrowing capacity is not an overnight process and may require time and effort. But with the right strategies and support from a knowledgeable mortgage broker, you can work towards achieving your home ownership goals.

What is the process of buying a house?

Here is a step-by-step guide for someone who is considering buying a home:
  1. Determine your budget and financial goals. This includes considering your income, expenses, and savings, as well as any other factors that may affect your ability to obtain a loan and make monthly mortgage payments.
  2. Consult with a mortgage broker like Jonathon Ashfield from Ashfield Finance. Jonathon will take the time to understand your financial situation and goals and provide advice on the best mortgage options for you.
  3. Get pre-approved for a mortgage. This involves submitting a loan application and providing financial information to the lender. Once pre-approved, you’ll have a better idea of what you can afford in terms of purchasing a home.
  4. Start house hunting. This is the fun part! Work with a real estate agent to find the right home that fits your needs and budget.
  5. Make an offer on a home and go through the negotiation process. Once the offer is accepted, you’ll need to engage a local settlement agent to handle the legal aspects of the transaction.
  6. Have the home inspection. A professional home inspector will check the condition of the home and identify any potential issues.
  7. Finalize your mortgage. This involves submitting a formal loan application to the lender, providing documentation, and working with Jonathon to finalize the details of your mortgage.
  8. Close on the home and finalize settlement. This involves paying the remaining balance of the purchase price, registering the transfer of ownership, and completing any other necessary steps with the help of the settlement agent.
  9. Move-in! Congratulations, you are now a homeowner!
Throughout this process, Jonathon will be there to guide you and answer any questions you may have. With his expertise and experience, you can feel confident and secure in the home-buying process.

How to get the lowest interest rate.

You guessed it a Carine mortgage broker.

While getting the lowest interest rate may seem like a priority, it’s important to consider other factors as well to ensure you get the best deal overall. Here are a few things to keep in mind:

  1. Loan fees: Some loans may have lower interest rates but come with higher upfront fees or ongoing charges. Be sure to take these into account when comparing loans.

  2. Loan structure: Some loans may have flexible features like an offset account or the ability to make extra repayments, which can save you money in the long run even if the interest rate is higher.

  3. Loan term: A shorter loan term can lead to a lower interest rate, but you’ll also have higher repayments. Consider your budget and your ability to make those repayments before choosing a loan with a lower interest rate.

  4. Lender policies: Some lenders may have more stringent borrowing criteria or less flexible repayment options, which can affect your ability to get the best deal overall.

These are just a few of the factors to consider when choosing a home loan. Working with a knowledgeable mortgage broker like Jonathon Ashfield from Ashfield Finance can help you weigh the pros and cons of each loan option and make an informed decision that’s right for you.

Offset loans Carine

An offset loan is a type of home loan that can help you save money on interest. Here’s how it works:

Imagine you have a piggy bank with some money in it. When you have a regular home loan, the bank treats your piggy bank money as separate from your loan and you still have to pay interest on the full amount of your loan.

With an offset loan, the bank treats your piggy bank money as part of your loan. So, if you have $10,000 in your piggy bank and you owe $100,000 on your loan, the bank will only charge you interest on $90,000. The more money you have in your piggy bank, the less interest you’ll have to pay!

Think of it like a big game of “let’s pretend”. By pretending that your piggy bank money is part of your loan, the bank can lower the amount of interest you owe. And that can help you save money and pay off your loan faster! 

Is an offset loan for you?

Yes, offset loans can be a great way to save money on interest, but they can also be dangerous for some people who aren’t careful. Here’s what you need to know:

  1. Temptation to spend: Having access to your savings through an offset loan can be tempting, especially if you’re using it to cover lifestyle or emergency expenses. However, if you’re constantly dipping into your savings, you may not be paying down your loan as quickly as you could be.

  2. Reduced savings: If you’re constantly withdrawing money from your offset account, your savings will start to shrink, and you’ll have less money to offset against your loan. This can mean that you’re paying more interest in the long run.

  3. Difficulty paying down your loan: If you’re not careful, you can end up in a situation where you’re constantly using your offset account to cover expenses and not making much progress in paying down your loan.

So, while offset loans can be a great way to save money on interest, they’re not right for everyone. If you’re someone who struggles with temptation or finds it difficult to save, you may want to consider a different type of home loan.

Working with a knowledgeable mortgage broker like Jonathon Ashfield from Ashfield Finance can help you determine whether an offset loan is the right choice for you and help you find a loan that meets your needs and goals.

What’s the difference between fixed and variable loans?

When you take out a home loan, you have two main options for the interest rate: a fixed interest rate or a variable interest rate.

A fixed interest rate loan means that the interest rate on your loan stays the same for a set period of time, usually 1-5 years. This means that your repayments will stay the same, even if interest rates go up.

A variable interest rate loan, on the other hand, means that the interest rate on your loan can change at any time, depending on movements in the market. If interest rates go up, your repayments will also go up. If interest rates go down, your repayments will also go down.

Here are some advantages of each type of loan:

Advantages of a fixed interest rate loan:

  1. Predictability: With a fixed interest rate, you know exactly what your repayments will be for the duration of the fixed period, making it easier to budget and plan.
  2. Protection against rate increases: If interest rates go up, your repayments will stay the same, so you don’t have to worry about your loan becoming more expensive.

Advantages of a variable interest rate loan:

  1. Flexibility: With a variable interest rate loan, you have the option to make extra repayments or pay off your loan early, without incurring penalties.
  2. Potential savings: If interest rates go down, your repayments will also go down, potentially saving you money on your loan.

When considering which type of loan to choose, it’s important to think about your personal circumstances and goals. If you value predictability and security, a fixed interest rate loan may be the right choice for you. If you’re comfortable with some uncertainty and are willing to take advantage of potential savings, a variable interest rate loan may be a good option.

It’s also important to keep an eye on the economy and interest rate trends. For example, if interest rates are expected to rise, a fixed interest rate loan may be a good option to lock in a low rate. On the other hand, if interest rates are expected to stay low or go down, a variable interest rate loan may be a good option to take advantage of potential savings.

Working with a knowledgeable mortgage broker like Jonathon Ashfield from Ashfield Finance can help you understand the advantages and disadvantages of each type of loan and find the right loan to meet your needs and goals.

Settlement Agent Carine

Whether buying or selling, you'll want an efficient and proactive settlement agent.

Property Lawyer Carine

Property Lawyers for when it matters

Finance Broker Carine

When you need funding for a purchase

The Loan Process

1. Pick up the phone and chat to me

The first step to a home loan is to get in contact with lenders or a broker. The only way to fully assess how much you can borrow is to talk to a broker or lender and tell them everything about your spending and expenses. Don’t stress I make this chat seem like a nice friendly chat.

2. Arrange a Pre-Approval

Now that we know how much you can borrow time to get a pre-approval, here you will see what a realistic budget for house hunting is, and getting Pre-approval will make the offer and acceptance process so much smoother. – Don’t worry we handle this too.

3. Happy Hunting!

Now for the fun part, you have a budget you have the confidence that your loan will be approved go to home opens, and find the best house you can!

4. Make Your offer

Found the house? Time to make your offer and hope it gets accepted! Once accepted you will sign a contract and start the unconditional loan process.

Perth Mortage Brokers

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