WANT TO FEEL GOOD ABOUT YOUR MORTGAGE?

Leave it to Gomm.

At Gomm, we’ve earned our stripes in the finance industry. Here’s some of what we know – it may make things a little clearer and keep you ahead of the game.

WHICH LOAN IS RIGHT FOR YOU?

Taking out a loan is a necessary part of achieving your property goals.

Whether you are buying your first home or an investment property, building a new home or renovating a current one, the details of the loan you sign up for matter. Gomm has access to hundreds of loan products from close to 40 different lenders. Our job is to find the most suitable home loan for you.

HOME FINANCE

Obtaining home finance is a step-by-step process.

We offer personalised and professional advice, backed by many years’ experience. There is no obligation and you don’t pay for our services. If you choose to obtain finance through us, we do the legwork and keep you informed all the way.

01

Talk to us.

Get in touch then fill in our Customer Needs Analysis form to start the ball rolling. We then meet in person to learn more about your requirements, discuss the options and advise the most suitable mortgage deal for you.

02

You decide.

If you choose to proceed with finance through us, we lodge an application with the lender of your choice and submit the required supporting documents on your behalf to secure unconditional approval.

03

If it’s a new purchase…

We let you know once the loan is unconditional and advise the real estate and settlement agents to adhere to the finance clause. We also help you with the First Home Owners Grant (FHOG) if you are an eligible first home buyer.

04

If you’re refinancing an existing loan…

We arrange the discharge with the old bank or lender, and can usually help you open accounts with the new one, as well as helping you to sign and understand your loan contract.

FIRST HOME BUYER LOANS

First home buyer nerves? It’s perfectly natural.

Buying your first home is undoubtedly the biggest purchase of your life and it’s important to carefully consider your options. Gomm Finance knows the Perth home loan market inside out and can help you navigate the entire process, communicating in plain English at every step. We can help you by:

To begin with, working out your budget is essential so you know how much money you can borrow. You can then start looking at houses within your price range. We can help you get pre-approval, and advise the deposit, stamp duty and other costs needed to finalise the purchase.

- Explaining all the steps (and costs) involved in buying your first home.
- Discussing your current financial situation and advising how much money you can realistically borrow.
- Applying for any applicable government incentives on your behalf.
- Supporting you every step of the way until settlement.

You may be entitled to government incentives such as the First Home Owners Grant (FHOG) or the REBA grant, which is currently available for purchases under $400,000. We can let you know if you’re eligible and help you fill out the paperwork.

RESIDENTIAL INVESTMENT

Need a loan for your residential investment?

Don’t waste your time and effort comparing the details of various home loans – it’s what we do best! As a residential investor, one of the first steps is to choose the right property (in the right location and at the right price).

It’s also important to choose the right loan to make sure your property is a worthwhile and tax-effective investment. Gomm Finance can help you to maximise your gains by advising the most suitable type of loan for your investment strategy. 

Choose from various finance options including:
- Interest only repayments 
- Offset account to reduce interest payments
- Using the equity from existing property 
- Annual fee package 
- Portfolio limit set across various individual loans

HOME LOAN REFINANCING

Things change.
So can your home loan.

Are you getting the best deal? Consider home loan refinancing. It’s important to check that your home loan is set up properly. The home loan market is competitive and ever-changing, and your financial situation might also look quite different from what it used to. Refinancing could save you money and take years off your loan.

Gomm Finance can help you work out if you would be better off switching to a new deal. We may be able to recommend a loan with features that are better suited to your current requirements. Some banks may even cover the transfer fees.

CONSTRUCTION LOANS

Building or renovating?
Consider a construction loan.

Depending on the timing, you may need to settle on the land first then proceed with the build separately. So you will probably have two loans – one for the land and one to construct the home. During construction, the builder presents a progress payment to the bank following completion of each one of the usual five stages:

01

Laying the slab

02

Roofing and tiling

03

Internals

04

Lock-up

05

Final payment

Gomm Finance can assist you with the following:
House and land package
Financing land before the build
Pre-approval for construction
Renovations
Sub-divisioni and developments

LEAVE IT TO US

Whatever your financial position, we will find you an awesome deal.

Our professional and experienced mortgage brokers guide you through the complex loan market so you can relax and get on with living the dream. We recommend a competitive home loan and, if you choose to proceed, we hold your hand through the application process right until settlement –beyond if you need us! There’s no obligation and no charge to you.

CONTACT US

Time for a change?

The home loan market is a competitive environment and the deal you initially signed up for may no longer represent the best value available. Talk to us about your options to refinance. It’s really quite simple.