At Hills Financial, we pride ourselves on being your trusted partner in the world of finance. As experienced Finance Brokers, we offer a wide range of financial products and solutions to meet your unique requirements and objectives. Whether you're a first-time homebuyer, looking to upgrade or downsize or a seasoned investor we have the expertise to guide you towards success. We are paid by lenders so when using our mortgage broking service you will not be charged a fee. Here's an overview of the diverse financial products we provide:
Mortgage Services:
Home Loans: Secure your dream home with our tailored home loan options, including fixed and variable rate mortgages.
Refinancing: Explore opportunities to lower your mortgage rate, reduce monthly payments, or access home equity through mortgage refinancing.
Investment Loans: Unlock the potential of real estate investment with our tailored investment property financing solutions.
Commercial Finance:
Commercial Real Estate Loans: Whether you're expanding your business or acquiring a new property, our commercial real estate loans can help.
Equipment Finance: Obtain the essential equipment your business needs with our equipment financing options.
Working Capital Loans: Access the working capital necessary to drive your business forward.
Personal Loans:
Unsecured Personal Loans: Fulfill your personal financial needs with unsecured loans that don't require collateral.
Secured Personal Loans: Use your assets as collateral to secure a personal loan with competitive terms.
Debt Consolidation:
Consolidation Loans: Simplify your finances and reduce your debt burden by consolidating high-interest loans into one manageable payment.
Car Loans:
New and Used Car Loans: Get behind the wheel of your desired vehicle with our flexible car financing options.
Business Loans:
Small Business Loans: Fuel your entrepreneurial dreams with small business loans designed to help you grow.
Startup Funding: Secure capital to launch your new business and turn your ideas into reality.
Specialised Finance Solutions:
SMSF (Self-Managed Superannuation Fund) Loans: Discover options for SMSF loans to invest in your retirement.
Bad Credit Loans: We work with you to find solutions even if you have a less-than-perfect credit history.
Why use a Mortgage Broker?
Using a mortgage broker can offer several benefits to borrowers, making the home buying or refinancing process more convenient and potentially cost-effective. Here are some of the key advantages of working with a mortgage broker:
Access to a Wide Range of Lenders: We have access to a network of lenders. This means we can ‘shop around’ and find a competitive lending option for your specific needs, often offering a wider selection of loan products than you might find on your own or if you went direct to a bank.
Expertise and Guidance: We as Mortgage Brokers are experienced professionals who understand the complexities of the mortgage industry. We can provide expert advice, answer your questions, and guide you through the entire mortgage process, helping you make informed decisions and ensure your application meets lender policy.
Saves Time and Effort: Instead of contacting multiple lenders, we streamline the process by doing the legwork for you. We can give you multiple options tailored to your requirements and submit the application and follow up until settlement, which saves you time and reduces the stress of dealing with the bank directly.
Customised Solutions: We take the time to assess your financial situation and goals. It is our obligation to put your best interests first. We work to find a mortgage that is tailored to your specific needs, and unique financial circumstances.
Negotiation Power: Often we can negotiate with lenders on your behalf to secure discounted interest rates. Our knowledge of the market and relationships with lenders can often result in a more competitive result compared to what you might achieve on your own.
No Additional Cost to the Borrower: We are compensated by the lenders, therefore you will not pay a fee to us for our Mortgage Broking service. This makes using a Mortgage Broker a cost-effective option.
Saves Money: By finding the most favourable loan terms and interest rates, we can potentially save you money over the life of your mortgage.
Streamlined Documentation: We know what documents the lender requires for assessment and will request these from you and organise and submit the necessary documents for loan approval, simplifying the application process.
A Better Chance of Loan Approval: We can help identify lenders who are more likely to approve your loan application, even if you have less-than-perfect credit or other challenging circumstances.
Continued Support: We are available to provide ongoing support and advice throughout the life of your mortgage and offer reviews to ensure your loan is competitive, we are not just here during the application process.
Conflict Resolution: In the rare event that an issue arises during the mortgage process, we can act as a mediator between you and the lender to help to resolve any problems.
Our dedicated team of finance experts is here to assist you in choosing the right financial products and services that align with your objectives. We aim to provide the guidance and support you need to make informed decisions and achieve financial success.
Feel free to reach out to us for personalised assistance and consultation on how we can help you achieve your financial goals.
Contact us today to start your journey toward a brighter financial future with Hills Financial.
Australian Credit Licence 552573