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Rated 5 from 54 Reviews
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Rated 5 from 54 Reviews
For many FIFO workers, the dream of buying a home can seem distant due to the unique nature of their work schedule and income. At FIFO Home Loans, we specialise in helping you access Home Loan options from banks and lenders across Australia. As experienced Finance & Mortgage Brokers, we understand the challenges you face and are dedicated to simplifying the application process. Our expertise ensures that you can confidently apply for a home loan, making your dream home a reality.
Understanding your borrowing capacity is crucial when considering a new home. This involves evaluating factors such as your household income, size of household, volume of dependents, lifestyle, and living expenses. Our borrowing power calculator is a useful tool to help you calculate my borrowing capacity, providing a realistic estimate of your maximum borrowing capacity. By considering your assets and liabilities, we offer a clear picture of what you can afford, helping you make informed decisions in the property market.
Interest rates and loan amounts are significant considerations for any home buyer. We provide insights into current interest rate trends and negotiate favourable terms with lenders. By assessing the value of the property you wish to purchase and your property deposit, we tailor loan solutions that align with your financial goals. Our expertise ensures that you are matched with lenders who understand your unique financial situation as a FIFO worker, offering you the best possible terms.
Getting pre-approved for a home loan is a strategic step in the buying process. A Home Loan pre-approval provides clarity on how much you can borrow and strengthens your position when making an offer on a property. With our assistance, you can get pre-approved quickly and efficiently. The application process can be complex, but our team guides you through each step, ensuring all necessary documentation is in order. We also help you improve your credit history if needed, enhancing your chances of approval.
The property market can be competitive, but with the right support, it becomes more manageable. By partnering with us, you gain access to a wealth of knowledge and experience. We keep you informed about market trends and opportunities that align with your financial capabilities. Understanding the value of the property you wish to invest in is essential, and we equip you with the necessary tools to make these assessments confidently.
In summary, FIFO Home Loans is committed to helping FIFO workers achieve their home ownership dreams. From understanding your borrowing capacity to securing favourable interest rates and getting pre-approved for a loan, our comprehensive services are designed to meet your needs. We invite you to reach out and explore how our Finance & Mortgage Brokers can assist you in buying a home. Let us help you turn your aspirations into reality with tailored solutions that fit your lifestyle and financial situation.
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Elizabeth Bottomley
Carl Elsass was a wonderful help to my husband and I as we bought our first property. Carl was very responsive, knowledgeable and guided us through the process with great care and attention to detail. We would highly recommend using Azura ...
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claudia alvarez
I was extremely pleased by the service provided from Carl Elsass. He was very helpful and very clear by explaining every aspect of the mortgage process. From start to finish, He attended to all the documents required as well as arranging a suitable loan within a very short period with my minimum involvement. Thank you! Claudia Marcela
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Harry
Working with Nick to purchase our first home was a seamless experience. His knowledge of the market was exceptional and was quick to respond to all our questions. I wouldn’t hesitate to recommend his services. Thanks Nick!
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Javier Gómez
Carl was really helpful and patient, took its time to understand my situations and provided great advice and options in order for me to make the right decision.
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Glen Ashley
Carl has been amazing to work with. He was on the ball straight from the start with knowing all the information I would need to provide. He was quick to respond while others would not return communication for weeks. He managed to secure me a great product in a short amount of time, even while we are on opposite sides of the country. I highly recommend getting in touch with Carl, you won't look back.
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Ingrid Rollero
Carl and the team are very quick and efficient. Have been them for a few years and happy to recommend to anyone!
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Kirsten Turco
Nick gave us a friendly service & was extremely helpful. Highly recommended!
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katya campi
Nick and team were great, made the process seamless.
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Holly Mullaney
Highly recommended ! The team is excellent- both Nick and Carl are wonderful!
Absolutely! We specialise in helping FIFO workers refinance their home loans and investment properties. Our brokers understand the complexities of FIFO income and can find you better interest rates from our network of 2,000 loan products. We'll review your current loan and find refinancing options that could save you thousands over the life of your loan.
Yes, we formed specifically to serve FIFO workers who were being overlooked by big banks and brokerages. Our Licensed Mortgage Brokers are experts in FIFO income structures, including roster patterns, site allowances, and variable income streams. We know how to present your application in the best light to lenders who understand the FIFO lifestyle.
FIFO workers often face challenges with traditional lenders who don't understand their income patterns. We have exclusive technology and relationships with lenders who specialise in FIFO lending. We do all the legwork, can give you a good idea of what you'll qualify for before applying (protecting your credit score), and work with you completely online to fit your roster schedule.
Yes, but it requires the right broker who understands how to present FIFO income correctly. We know which lenders recognize site allowances, overtime, and roster premiums as genuine income, and how to structure applications to maximize your borrowing capacity. Many FIFO workers are surprised to learn they can borrow more than they thought when their full income package is properly presented to the right lenders.
We work with FIFO workers in all employment situations. Whether you're between contracts, transitioning between companies, or moving from permanent to contract work (or vice versa), we know which lenders are flexible with FIFO employment situations. We can often secure pre-approval based on your track record and industry experience, giving you confidence to make property decisions even during career transitions.
We can help FIFO workers with home loans, investment properties, construction loans, car loans, personal loans, and much more. Whether you're buying a ute for work, building your dream home, or expanding your investment portfolio, if you need to borrow money, we can probably help find the right solution.
Trustee for the O'Sullivan Family Trust ABN: 29 235 649 437, Credit Representative #482294 and is authorised under Australian Credit Licence 389328..
Disclaimer: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances. Names & Locations of users have been changed to protect their privacy and are illustrative only.
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