Our mortgage brokers specialise in guiding business owners and high net-worth individuals through the doors of their dream properties.
If you’re a business owner looking to make the move into your dream home, or add another asset to your property portfolio, you might have discovered that the banks and run-of-the-mill finance brokers baulk at business owner applications. At Northcap, our finance brokers pride themselves on finding ways to help business owners get the lending they need in their work and private lives.
*Calculators are illustrative only and are calculated based on the accuracy of the information entered by the client. They are not an offer or acceptance of loan eligibility. All information is of a general nature and does not take into account your personal needs and requirements. The figures shown in the calculators do not constitute financial advice. Lender policy, term and conditions, fees and charges apply.
While seasonal variations in profits can be a red flag, business owners have the advantage of being able to time their income and dividend draw downs to optimise their loan applications.
Valuable business assets like commercial property can potentially be used as security, even cross-collateralised with other assets like your personal residence, strengthening your chances of approval.
Certain professions like doctors and dentists, often sole traders, can be eligible for special concessions such as lender’s mortgage insurance (LMI) waivers due to their high earnings and job security.
Want a home loan solution that works as hard as you do? Speak to us about home loans for business owners. Regardless of your business structure, our extensive network of lenders means we can find you the most competitive loan to make your home ownership goals a reality. Whether you’re seeking a property with a dedicated office space or storefront, or a residence that complements your entrepreneurial spirit, our experienced mortgage experts are here to guide you through the process.
Get in touch with our business owner home loan experts.
Are you a healthcare professional looking to secure your dream home? Ask us about medico home loans. Designed to cater to your unique financial position, these specialised home loans offer exclusive benefits such as reduced or waived LMI. Your commitment to the wellbeing of others deserves recognition, so let us investigate medico home loan solutions that provide just that. Our extensive network of lenders means we’re well placed to find you the most competitive and affordable loan, so you can focus on what you do best.
Chat with one of our brokers to get hooked up with a healthy range of home loan options.
Set your sights on a luxury home? We’ve helped countless individuals and families find loan solutions that enable them to make their dream move. Whether you’re searching for a spacious mansion, upscale penthouse or executive-style residence, our loans are crafted to match your refined taste. We’re experts in securing financing for high-end properties; ensuring a smooth and efficient process. Elevate your lifestyle and check dream home off the list!
Our high-end residential finance experts can help fund something special.
Are you looking to diversify and grow your investment portfolio through real estate. Our investment portfolio loans offer the financial leverage you need to make your next strategic move. Whether you’re an experienced investor seeking to expand your holdings or just starting your property investment journey, we can help you find a tailored mortgage solution that supports your goals. With our comprehensive network of lenders and expertise in the market, we can secure competitive loans that maximise your potential for wealth creation. We also offer strategic advice for growing and managing your investment portfolio into the future.
Talk to one of our brokers today about building your property portfolio.
Embarking on a speculative building project? We understand the unique challenges and opportunities that come with speculative construction, and therefore the importance of finding a tailored financing solution that provides the support you need. Whether you’re a seasoned developer or a first-time builder, we can help you navigate the complexities of spec building. There’s enough to think about in the early stages of a project – cross financing off your list.
Lock in the right loan for your spec build. Take the next step by talking to a broker today.
Looking to purchase an investment property within your self-managed super fund? Our residential lending experts have ample experience helping clients leverage accrued superannuation to acquire long-term rental income assets. Beyond delivering on the most competitive interest rates available, we’ll collaborate with your advisory team to dot the Is and cross the Ts – ensuring your SMSF’s debt structuring complies with all relevant legislation.
Make sure your SMSF financing is competitive and compliant by having a chat with our experts.
Don’t wait to make your next move – let us make your home ownership goals a reality with fast finance. At Northcap, you’ll get connected with the right loan for your needs and guided through the application process for the most efficient outcome possible.
Whether you’re a first home buyer looking for an affordable entry into the market, or a seasoned investor, we’ve got the experience and connections to ensure you secure the most competitive home loan solution.
Our extensive network means we cast a wider net to help you catch the best deal. You’ll get the best of the banks and private lending, plus multiple loan options.
Give your business a boost through a smart investment by talking to one of our asset finance brokers today.
A mortgage broker is your guide and advocate in the complex world of home loans. We begin by assessing your unique financial situation, homeownership goals and preferences. For example, if you’re a healthcare professional seeking a medico home loan, we will leverage our network to connect you with lenders offering exclusive benefits. Our connections and industry knowledge means we have a wide pool of home loan products to choose from – and more choice means a better deal.
You’ve come to the right place! Pre-approval makes buying a home a fast and seamless experience. It demonstrates to sellers that you’re a serious and qualified buyer, which can strengthen your position during negotiations. Let us help you take this step by identifying suitable lenders, preparing your application and guiding you through the complexities of the process.
However, if you’re a newcomer to property development, lack pre-sales, or require a higher loan-to-value ratio (LVR), obtaining finance may be more challenging, and the interest rates offered could be higher. In such cases, it’s crucial to leverage your strengths and explore alternative approaches, such as equity partnerships.
For instance, a group of shareholders with land and approved plans for an apartment complex could seek funding by offering equity in their company to a private investor. This arrangement provides the necessary funds for construction, and the investor becomes a partner in the project.
At Northcap, we’ve seen major developments funded in a variety of ways. We can help canvas a range of options, explaining the pros and cons of each.
You bet! We have extensive experience sourcing home loans for business owners. We understand the unique financial situation that comes with running your own business. Let us help you navigate the process by connecting you with lenders who specialise in working with self-employed borrowers.
Absolutely. Some lenders offer exclusive benefits and home loan products in recognition of your service to the community and your stable financial position. One of these benefits is LMI waiver for health professionals. For example, doctors can have high loan to value ratios (LVR) (up to 95%) and still not pay LMI. Leave it to us to crunch the numbers and weigh the options. We will work hard to ensure you get the best deal, allowing you to start the next chapter of your home ownership journey on the front foot.
© 2023 North Capital Finance Credit | Representative Number 511604 | Terms of Use | Privacy Policy