Geraldton Finance Specialists
Dennis Smallwood is your Geraldton Finance specialist. Whether it’s property, vehicle or equipment or business finance, we can help. For over 19 years we have been providing finance for thousands of satisfied client all over Australia. Having serviced Geraldton from late 2012, Dennis Smallwood has now spread his reach with offices in Perth and Melbourne. This allows a greater appreciation of all things finance. It puts him in the know regarding the regions with great growth and local factors in the area. It also allows him to be more aware of where not to be! Along with local knowledge, having a Melbourne office also has its advantages with the lenders. Things like getting to know more and more bank staff and BDMs. Being able to visit bank processing centres to see how they operate and personally speak to approval officers. Being able to use this to his advantage, Dennis can bring these factors into his knowledge when thinking about Geraldton Finance.
Geraldton Finance Construction Specialists
We have a long history of being Geraldton Finance construction finance specialists. We have an understanding of what the banks are looking for and what must be in a building contract. Also, where the banks are willing to lend and what deposits or equity are required. How ‘finished’ the property has to be at the end of the building contract / project also alters between lenders. We have strong relationships with local builders as well as those in Perth and Melbourne and also other regional WA centres. We also have options when it come to Owner Builders, which banks generally do not like. Have a read of this great blog from WA Country Builders why they think you should build. When looking to build, speaking to us and obtaining a Pre Approval is always a good idea, so you know exactly where you stand.
Geraldton Finance Low Deposit Specialists
Dennis is well versed on low deposit home loans. He has written a stack of Keystart Loans. These loans only need to have a 2% deposit (plus you need to cover purchase fees). If you’re doing a block and build, the First Home Owners Grant can cover most of the deposit, so you may only need 1% (or less) of the total block and build price as deposit (depending on overall cost). You also don’t need any genuine savings.
Why We Know Geraldton Finance
We know Geraldton Finance because not all areas of Geraldton and surrounding suburbs are treated the same. We know that the suburbs with a 6532 post code are treated differently than suburbs with the 6530 postcode. And then within those post codes, some suburbs (or towns) are treated differently again. Then, depending on the lender being used will determine if there is even more different policy. Which lenders will allow an owner occupied purchase with only 5% deposit? Which lenders need 10% deposit. And then there are some lenders who require a 20% deposit. On the other hand, there is also Keystart Loans, the government backed lender who only require 2% deposit. Keystart is a great option for First Home Buyers (or those building) but are also available for those who are not first time buyers.
Geraldton Finance For Construction
Geraldton has some fantastic opportunities for construction of your residential property. For somewhere so close to the beach, the prices are amazing. From the beautiful beach side suburbs of Tarcoola Beach, Beresford, Bluff Point or Drummond Cove. Suburbs that overlook the beach being Wandina, Mount Tarcoola or Geraldton town centre overlooking the marina. Acreage in Woorree, Deepdale, Webberton, Moresby, White Peak, Buller or Stathalbyn. Maybe some of the cheapest land you will find close to the coast in Sunset Beach, Wonthella, Spalding, Rangeway or Utakarra. Then there are land holdings slightly further from Geraldton in Cape Burney and Greenough, slightly to the south. There are any number of options for a fantastic place to build. Places where you and your family can grow with a mortgage that won’t break the bank.
Geraldton Finance Car Loan And Equipment Finance Experts
We are also experts when it comes to Geraldton Car Finance. So when financing your vehicle purchase, any piece of business equipment, trucking, farming and agriculture or any yellow goods, we can help. In fact, anything at all, we can finance it. Whether it is for personal or business use, Dennis Smallwood has over 20 lenders we can chose from. This gives him greater power in choosing the lender to best meet your needs. Also at a rate that will most likely beat the car yards and the banks. We have most of the lenders that the car yards do, but our job is to save you money. Whereas, the card yards job is to make themselves money. So for any of your car finance or equipment finance needs, make sure we’re first on your list.
Finance For Surrounding Areas
Not only can we do Geraldton Finance, we can also look at surrounding areas. North to such areas as Kalbarri, Gregory, Northampton to Shark Bay. Then further south to Jurien Bay, Cervantes and Lancelin. And inland at Minganew, Three Spring, Eneabba, Carnamah, Mullewa, Mount Magnet and Meekathara. In fact, anywhere you want to buy, we should be able to finance it.
Finance for Farmers
If you are in the agricultural sector, then we haven’t forgotten about you either. We have options for any type of machinery or vehicle you need from over 20 commercial and asset finance lenders. Not just with major lenders, but lenders big and small, bank and non bank. Finance company and fintech lenders.
The Home Loan Comparison Co. compares home loans from a much wider variety of banks than most people have time to consider, and we find the loan that suits your goals.
We are experienced, knowledgeable and dedicated to building ongoing relationships to keep on providing personal and valuable service that is rarely experienced when dealing with the banks.