YOUR GUIDE TO HOMEOWNERSHIP AND REFINANCING

In the ever-changing world of finance, homeowners and aspiring homeowners often find themselves lost in a maze of interest rates, mortgage insurance, and refinancing options. Tony Gray, a seasoned mortgage broker and director of Complete Finance, is here to guide you through the complexities of the property market.

Complete Finance caters to a wide clientele, predominantly homeowners or those aspiring to be. Whether you're a first-time buyer, looking to refinance, or re-entering the property market after a hiatus, Tony and his team have the expertise to assist you.

With over 15 years of experience in the industry, Tony's knowledge and tailored advice make Complete Finance stand out. Clients often praise the team for their understanding and ability to find the best rates.

Often new clients approach Tony confused about the market and the current hot topic lately –interest rates. There have been 11 increases in the last 14 months; however, Tony believes we're reaching the top of the cycle, and rates may soon plateau or even reduce. His advice for those looking to refinance? Consider going variable or opting for a fixed rate, short-term loan.

The government's Home Guarantee Scheme is another exciting development. It allows buyers to purchase property with just a five per cent deposit without paying mortgage insurance, saving thousands. Even single parents can benefit, entering the market with as little as two per cent down.

Complete Finance offers a large panel of lenders and provides advice on the best way to pay off loans, the difference between offset and redraw, and how to utilise these tools effectively. Tony's experience in both banking and brokering ensures that clients receive the best possible guidance.

Tony's long-standing experience, coupled with his dedication to helping clients achieve their goals, makes Complete Finance the go-to place for all your mortgage needs. The majority of their business comes from referrals, a testament to their quality service.

"Within a couple of minutes, I could tell you knew more than that other broker," a satisfied client remarked.

Do you know your current interest rate? When was the last time you asked your bank to review it? Do you have an offset account? Are you using it correctly? If these questions make you pause, it might be time to give Complete Finance a call.

Complete Finance is more than just a mortgage broker; it's a partner in your homeownership journey. With a focus on educating clients, providing tailored solutions, and a commitment to customer satisfaction, Tony Gray and his team are ready to help you navigate the property market with confidence.

For a complimentary consultation or to learn more about how Complete Finance can assist you, visit their website or call today. Your dream home may be closer than you think! ca www.completefinance.com.au