SERVICES

I LOVE
NEGOTIATING
WITH LENDERS

Our lenders have great products, but I believe they make more than enough money – why should my clients pay any more than they have to in high interest rates and unnecessary fees and charges? Let me do the negotiating on your behalf. Because we deal with them day in day out – we know what the lenders can and cannot do. We also know how to get them to compete for your business. We will ensure that you do not pay a cent more than you have to. Between them the major banks alone have over 150 products and then there are the hundreds that belong to the specialist banks and lenders. Let me help you to make sense of it all and guide you towards the one that is best suited to you. Our service is free of charge as we are paid by the lender to take care of all the paperwork.

There are a number of products on the market and it is important that you find a solution that best suits your needs and service ability.

At Hatteras Mortgage and Finance, we pride ourselves on our ability to get your loans settled! There are various types of home loans, all offering different rates and features. It is important to always check the terms of your loan. We have extensive experience in all things lending, including:

INVESTORS

INVESTORS

From those looking to take their first step into the investment market to those looking to find a way to expand further after their bank has said no. I have a number of investment properties and can offer you first hand experience as well as the lessons learnt from my clients over the years.

NEW AND USED BOAT FINANCE

NEW AND USED BOAT FINANCE

Hatteras Mortgage Finance Sea Renity Marine LogoBoat finance is second nature. I understand the intricacies of new and used boat finance and of the boats themselves, having owned them myself. With our close friends at Sea Renity Marine, we can offer a service second to none. There are many ways to finance boat purchases. If you want it, come and see how it can be done.

Construction and property development

Construction and property development

Whether it is a residential home, a duplex or triplex development right through to multi unit commercial developments. We have access to a range of funders right around Australia who want to complete for the business.

Assistance with “bad credit”

Assistance with “bad credit”

For those with “bad credit” or who don’t fit the Bank’s idea of a regular client. If the Banks have said no – we have a number of lenders who may say yes.

Self-Managed Super Fund purchases and refinances

Self-Managed Super Fund purchases and refinances

For those who have a Self –Managed Super Fund (SMSF) or those considering establishing one. An ever increasing number of Lenders are offering more and more competitive products for financing of both residential and commercial properties. We can refer you to accountants who specialise in the field of SMSF who will guide you through the establishment and running of an SMSF. Once the fund is established – we can source loans that will allow you to borrow up to 80% of the value of a property’s purchase value.

self employed & business financing

self employed and business financing

I have a lot of time and respect for people that have “Gone out on their own”. If you run your own business, chances are you don’t have the time to trawl through all of the lenders and their offerings, or understand how to present your business case to them in a way they understand.

My job is understanding your financials and tailoring a finance package that suits your needs and finding a lender that will work with you. Not all will and your current lender may not be the most suitable for your needs.

asset rich and cash poor

asset rich and cash poor

Those clients who have accumulated property over the years – and are now looking for a way to access the equity. Maybe for another purchase, a business expansion or to take advantage of a business opportunity. A number of lenders on our panel offer products that will allow you to utilise and control the funds you currently have in bricks and mortar.

First Home Buyers

First Home Buyers

Your first home purchase is probably the biggest and most important transaction of your life. We have helped literally hundreds of young ( and not so young! ) secure the finance to enable them to enter the property market. Let us help you to ensure the process is stress free.

structure or restructuring your finances

structure or restructuring your finances

There is nothing more detrimental to an effective wealth creation strategy than an incorrect structure. In consultation with your accountant of financial planner, we can assist to ensure that your finances are set up to give you the maximum benefit and flexibility. And we can recommend good Accountants and Financial Planners if you are unhappy with your current suppliers.

Debt consolidation

Debt consolidation

If you are paying off credit cards, personal loans, car loans, business loans, and/or tax debts on top of your home mortgage and the repayments are crippling your cash flow we can look to consolidate the debt. The idea is to look at the whole picture and recommend the most appropriate products that give you the time and interest rates that allow you to wipe the slate clean and get away from living week to week.

Hatteras Mortgage Free Debt Consolidation Rate Estimate

Refinancing

Refinancing

How long has it been since anyone had a good look at your home loan? With the market constantly changing, and new products available on an almost weekly basis maybe it is time to have a look at your mortgage. The loan that you got 2-3 years ago may no longer be the best product for you. With a free “home loan health check” we can quickly compare what you have now and show you how it compares to what is out there. Who wants to be paying more than they have to?

Private Funding and Second Mortgages

Private Funding and Second Mortgages

Private funding is a specialist area and is available for property purchase or refinance and assists people who may have:
– Commercial or residential property
– Company structures
– Bad credit rating
– Ex–bankrupts
– People who require funds quickly
– No tax returns or full financials
– Significant equity

Professional Packages

Professional Packages

Professional Packages are now widely available from a number of lenders, yet people are often not aware of these packages and the benefits they offer such as discounted interest rates and a range of other features. Many people will now qualify for these packages as eligibility is determined by loan size and not by income. I’ve negotiated further discounts for higher loans, let me do the negotiation for you, it’s a free service. I would rather see you save money than the Banks make it!

Find out your target Property’s Value

Find out your target Property’s Value

We subscribe and use Australian Property Monitors and are delighted to be able to share this national resource with our clients. Property reports assist in providing accurate valuations which help to ensure our clients do not pay too much for their next purchase.

Plant and equipment finance

Plant and equipment finance

Our Director, Troy Clayton, has a background in Mechanical engineering, Building services and Central plant and so is uniquely positioned to understand your plant and equipment needs from a practical perspective. From excavators, trucks, machinery, concrete pumping equipment to office fitouts and vehicles we can provide innovative, competetive solutions to suit your needs.

Family Break Downs / Divorce

Family Break Downs / Divorce

A break down in a relationship can be very difficult. Even more so when property assets have to be taken into consideration. We have a lot of experience in assisting those in need of refinancing in order to complete a separation and move on. Give us a call for a confidential discussion.

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