Rated 5 from 54 Reviews
At FIFO Home Loans, we understand the unique financial challenges faced by FIFO workers in Australia. Securing the right home loan or refinancing your existing one can seem overwhelming, but with our expertise as finance and mortgage brokers, we can help you access loan options from banks and lenders across Australia. Our goal is to provide tailored mortgage solutions that suit your lifestyle, whether you're looking to reduce loan repayments, release equity in your property, or switch between fixed and variable interest rates.
Our first priority is to assist you in accessing better loan options that cater to your specific needs. As a FIFO worker, you may have fluctuating income, making it essential to choose the right loan amount, interest rate, and loan term. We are here to help you understand how much you can save by reviewing your current home loan rate and refinancing with lower interest rates. By regularly reviewing your loan, you can ensure it continues to meet your financial goals. This might involve changing your loan term to better fit your circumstances or consolidating debts to reduce financial pressure. A mortgage health check could reveal opportunities to access better loan features, such as flexible repayment options or offset accounts, which can be invaluable for managing your finances more effectively.
Another area we specialise in is helping clients release equity in their property to achieve their financial aspirations. If you're planning renovations, considering buying an investment property, or wish to release equity to buy the next property, we can provide guidance on the best strategies. Releasing equity can also be a smart move if you're thinking about topping up your home loan for other personal projects. Our team can assist you in understanding the benefits and risks involved, ensuring you make informed decisions that align with your long-term plans.
For those aiming to pay off their home sooner or seeking more control over repayments, we offer advice on switching between fixed and variable interest rates or altering the loan term. Whether you're looking to reduce or lock in your repayments, or simply want a clearer picture of your financial future, we're here to assist. Refinancing interest rates can be a game-changer in reducing overall loan costs and achieving financial stability. With access to a broad network of lenders, we ensure you receive the most competitive offers available.
To sum up, FIFO Home Loans is committed to providing personalised mortgage solutions for FIFO workers across Australia. By partnering with us, you gain access to better loan features and interest rates that can significantly impact your financial wellbeing. We encourage you to take advantage of our mortgage health check service to explore how much you can save and enhance your financial future. Contact us today to discuss how we can assist in achieving your property goals.
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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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