HOME LOANS
Home loans for
your next move.
Buying a home or moving? Sam helps you understand your borrowing options, compare costs and features, and work through the application.
Helping clients Australia-wide. Through BMoney, Sam compares home-loan options from a wide panel of banks and non-bank lenders to help find finance suited to your needs.
Finance solutions providedthrough BMoney Group.
A next step to take.
YOUR NEXT MOVE
Start with the life you're planning.
You might be moving closer to work, finding more room for family or buying after a change in circumstances. Start with what you want your next home to make possible, then talk through the finance questions around it.
Buying and selling: plan the timing.
If your next purchase depends on selling your current home, discuss the finance before committing to dates. Talk through the existing loan, expected sale proceeds and when those funds will be available. If you plan to buy before selling, consider how you would cover the overlap and what happens if the sale takes longer or achieves a lower price than expected. Your lending options need assessment, and your conveyancer or solicitor can advise on contract and settlement arrangements.
Keeping your current home as a rental? Explore investment loans.
Reviewing your current loan without moving? Explore refinancing.
What Sam can help you work through
- Discuss your purchase plans, timing and existing commitments.
- Make sense of the questions to ask about repayments, loan features and costs.
- Understand what information is needed before your circumstances and loan options can be assessed.
YOUR QUESTIONS
Before we talk.
Can we talk before I find a property?
Yes. Discuss your budget and borrowing needs with Sam before you start making offers. If you seek pre-approval, remember it is conditional: the lender still needs to assess your circumstances and the property before final approval.
What if I already have a home loan?
Let Sam know whether you plan to sell, keep the property or change your existing loan. That context helps shape the conversation.
Do I need all my documents for the first conversation?
No documents are needed through this enquiry form. Start with a short outline; Sam can explain what may be needed next.
What should I compare besides the interest rate?
Discuss the fees, loan term, repayment structure and features you expect to use. A lower repayment does not necessarily mean a lower total cost. Sam can help you work through those questions in the context of your plans.
Can I enquire if I am self-employed or my income varies?
Yes. Give Sam a brief outline of how you earn your income and any changes you expect. The information required and available options depend on your circumstances and lender assessment. Do not send tax returns or financial documents through this form.
LET’S TALK
Tell Sam about your next move.
Share your plans and the best way to reach you.
Sam can discuss your needs and explain the next steps. This is an enquiry, not a loan application.