.png)
About Us
About Us
Garden Finance Solutions
Welcome to Garden Finance Solutions, where we make your dream of homeownership a reality. We are a premier mortgage company dedicated to providing exceptional service and competitive rates to our clients.
Our team of experienced professionals specialises in a wide range of mortgage options, including bridging finance, business loans, commercial loans, and car loans. We guide you through the mortgage process, from pre-approval to settlement, with a focus on customer service and finding the best mortgage option to fit your unique needs and financial situation.
We pride ourselves on our commitment to our clients and provide the resources and tools necessary to make informed decisions. Our team is always available to answer any questions you may have throughout the process.
In addition to exceptional service, we offer competitive rates and low closing costs. We are committed to helping our clients save money and secure the best possible terms on their mortgages.
Thank you for considering Garden Finance Solutions for your mortgage needs. Contact us today to learn more about our services and start the mortgage application process.
In addition to exceptional service, we offer competitive rates and low closing costs. We are committed to helping our clients save money and secure the best possible terms on their mortgages.
Thank you for considering Garden Finance Solutions for your mortgage needs. Contact us today to learn more about our services and start the mortgage application process.
Getting your home loan approved faster
The most common reason for a delay is a lender’s turnaround time to assessment, especially when some lenders have competitive offerings and experience large application volumes, but a lack of preparation can cause this delay to snowball. If an application is not completed correctly, you risk delays in the approval, or even being declined by potential lenders. Here are some things you can do to help the process move quicker.- Prepare your financial detail
- Disclose all information
- Skip the valuation queue
.jpg "Tips for securing a business loan")
Tips for securing a business loan
Lenders offer a wide range of business finance options, from commercial property loans, commercial vehicle leases, and commercial and equipment leases, to simpler options, such as letters of credit, overdrafts, and lines of credit. Here are some tips on how to improve your chance of success.- Find a finance broker
- Have a credit history
- Actively how risk will be minimised
- Be prepared
- Have a business plan
- Provide more than one exit strategy
Save on your home loan from your profession
If your job is a profession that classifies you as a ‘low-risk’ borrower in the eyes of lenders, you may be entitled to special discounts. Frontline Emergency services, doctors, nurses, surgeon specialists, accountants, lawyers, and teachers are commonly eligible for home loan discounts, or particular loan types without fees, based on their professions. The benefits on offer differ depending on the lender and the industry, it’s also a constantly changing situation.
People who will involve in a property purchase
Buying a property is more complex than most other purchases you’ll ever make. Here are the different parties who may be involved in your home-buying process and how you can leverage their valuable experience and knowledge: Finance brokers, Real estate agents, Insurance companies, conveyancers, Property valuers, Pest and building inspectors, and Lenders.
5 rules for your business plan
Preparing a detailed business plan will inform the lender about your business proposal so that it can assess your application as favourably as possible.- Know your financial budget.
- Estimate how much funding you need.
- Project your cash flow.
- Provide proof of loan security.
- We will shop around on your behalf to find out what products are on offer and find the most suitable loan for you.
.jpeg "How do lenders assess applications?")
How do lenders assess applications?
We finance brokers are paid commissions by lenders to match borrowers to the right products and can negotiate the lowest rate on your behalf, which is why more than half of borrowers today turn to us when it comes to finding a home loan. To decide whether or not to provide you with a loan, lenders will generally assess you against five qualities.- Your ability to repay the loan
- How much cash you have upfront
- The property appraisal price
- Your financial history
- Market conditions
How to buy a home when you are self-employed
Self-employed borrowers often come up against the challenge of not being able to present a raft of payslips and tax returns to back up their loan applications. Many lenders offer low-documentation loans for self-employed borrowers who don’t have traditional payslips and employment records. You just need to prove your ability to service a loan using bank statements, declarations from your accountant, and financial records. Here are some tips that can help:- Reduce debt
- Speake to to a financial broker
- Do your taxes
- Save
Know your interest rate
By staying on top of interest rates, borrowers can make informed decisions about choosing a first-time home loan or getting a better rate by refinancing. When you first lock in a home loan, you’ll choose a fixed or variable interest rate. The best way to keep on top of those movements is to stay in contact with your finance broker. We will be able to help you shop around to find the best deal for refinancing when the time is right for you.
Tips to avoid paying too much for a home
It’s about doing your homework, knowing what you want, knowing the market, and making sensible offers.- Set a benchmark by comparing nearby properties that have sold recently.
- Keep in mind current market conditions.
- Expand your search, take a look around, and expand your options.
- Don't exceed your financial capacity, is a good idea to seek pre-approval before you start making offers.
- Bring in extra support, you may want to consider using the services of a buyer’s agent, who can help you with negotiating a price or bidding for you at an auction.
