Work With A Local Mortgage Specialist To Secure The Right Home Loan
Buying a home is one of the biggest financial decisions you will ever make. Whether you are a first home buyer, upgrading, downsizing or investing, having the right support and the right home loan in place makes a big difference.
At CJG Finance, we act as your trusted local mortgage broker, taking the time to understand your goals and matching you with lenders and loans that suit your needs. We compare options for you, explain how each structure works and guide you through the process from application to settlement. We’re experts in:
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Property Investing
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Unlocking Equity
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Industry specific borrowers (medico’s, professional services)
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An Expert Local Mortgage Broker Can Help Make Your Home Ownership Dream Become A Reality
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As with all areas of finance, CJG Finance helps aspiring home buyers achieve their goals by cutting through the noise, finding the best mortgage lenders, rates and loan terms and locking in an arrangement that allows them to invest in their future. The home loan specialist at CJG Finance can also help potential buyers by helping them to take advantage of grants and schemes.
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Covering all areas of South East Queensland from the Sunshine Coast including Noosa and Maroochydore, to Brisbane city and suburbs, Toowoomba and the Darling Downs, our specialist mortgage broker will help you find the most appropriate finance solution for your needs.
There are several scenarios that buyers may find themselves in, all of which our home finance broker can make a substantial difference in the ease of the experience and the quality of the outcome. Let's touch on a few areas of our expertise!
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Local Home Loan Experts
For so many, owning a piece of Oz is the dream. Imagine being able to paint the walls any colour, hang things wherever you want, plant trees, celebrate occasions and make memories in a home that's yours! All personal reasonings aside, owning a home is also a great way to invest for the future, with real estate being a tried and true method of growing equity. Our specialist home loan experts can help you a range of different home loan scenarios.
HOME LOAN FINANCE OPTIONS
Investment Property Finance
Acquiring an investment property is a popular goal and an excellent opportunity to reap the benefits of working with a finance expert. CJG Finance works with buyers with specific objectives to obtain property development finance. The buyer might be considering 'negative-gearing', where the costs of owning and maintaining the home exceed the income it produces; in a situation like this, losses become tax-deductible, and profits are deferred to a future sale. They may also consider leveraging equity from other assets they own to add to their property portfolio. In these and many other cases, CJG Finance excels in working with buyers to find lending terms that suit their ideal outcomes.
Refinancing A Home Loan
If the goal is to refinance a home loan or restructure an existing mortgage, explore more competitive rates or take advantage of cash rebates, CJG Finance makes the process simple and tailored. By engaging a CJG home loan broker, you gain access to a broader reservoir of lenders that may be able to offer you more favourable terms than what your current arrangement provides. Re-financing can be a gateway to a shorter mortgage as payments become smaller and interest rates lower. Each situation is unique; CJG Finance works with clients in diverse scenarios to ensure they obtain the best outcome.
First Time Buyers
Buying your first home can be both an exciting and daunting prospect. Many people are anxious about whether they can actually afford to take the leap and get on the housing ladder. But what most don't realise is that in some cases it can actually be cheaper to buy than rent a property. And there are grants and schemes available. Find out more about:
Let our expert local mortgage broker help make your home ownership dreams a reality.
Self Employed Home Loan Applicants
CJG Finance has extensive experience with Self-Employed applicants. For buyers in this category, lenders will consider an applicant's finances and business performance over time. It is possible to secure a home loan as a self-employed person or business owner; however, lenders may require additional documentation to approve an application.
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Sometimes, they will ask for profit and loss statements and tax returns for up to two years, in addition to personal financial information. CJG Finance specialises in helping clients connect with suitable lenders for this situation and preparing a solid application.
Specialist Home Finance Borrowing
Professionals and specialists such as doctors, lawyers and accountants can sometimes benefit from unique loan agreements that decrease the deposit amount needed without triggering LMI (Lenders Mortgage Insurance). Applicants can receive loans for up to 90% of a purchase. CJG Finance helps clients determine their eligibility for these specialist borrowing arrangements.
If your dream is to purchase a new home to live in or add to your property portfolio, Colin at CJG Finance is an expert in all lending methods and is well connected to a wide panel of lenders. Reach out today to explore the right loan to reach your goal.
Testimonials For Our Home Loan Broker
Why Choose CJG Finance As Your Local Mortgage Broker?
Going straight to your bank can mean you only see a small slice of what is available in the market. Working with a local mortgage broker opens the door to a wider range of lenders and products, without the stress of doing all the research yourself.
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A broker can help you:
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Understand how much you can borrow and what your repayments may look like
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Compare home loans across multiple banks and non bank lenders
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Navigate different interest rate types, fees and features
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Prepare your application and supporting documents
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Stay on track through approval, valuation and settlement
Because we are local, we understand the Queensland property market and can provide personalised guidance that aligns with your plans.
Professional and efficient
Our mortgage specialist always strives to deliver great customer service, responding quickly, professionally and efficiently and keeping you informed at all stages of the process, from the initial meeting to settlement and beyond.
More than a mortgage broker
We see ourselves as more than just your mortgage broker. We take a holistic approach, exploring multiple finance options on your behalf and becoming your expert industry partners.
Industry experts
With years of industry experience and a diverse lending background, we are industry experts working with a range of clients from individual through to large corporate customers.
In your corner
We work for you, not the bank which means we are always in your corner, finding the best rates and loan terms, negotiating great deals, saving you time and money and taking the hassle out of the application process.
Relationship driven
Our mortgage broker specialist is relationship driven with the aim of building a long term relationship and becoming one of your trusted advisors, there to support you to achieve your financial goals.
Deliver great results
We strive for the best possible outcomes, meeting required deadlines. Our aim is always to deliver great results for our clients and we're proud to have 5 star customer feedback!
Areas Serviced By Our Local Mortgage Broker
The Home Loan Brokers Who Know The Sunshine Coast Market The Best.
Home Loan Experts Proudly Servicing All Areas
Of Brisbane
Mortgage Specialist Servicing Toowoomba & The Darling Downs
Home Loan Experts Proudly Servicing
Noosa & The Sunshine Coast
Home Loan Specialists Proudly Servicing
Maroochydore and The Sunshine Coast
Frequently asked questions
Helping You Unlock The Potential For Your Business To Grow and Protecting Your Cash Flow.
Helping You Find The Right Funding For Your Property Development Project