Emma Gayton | Finance

Emma Gayton

Phone: +61 432 661 946

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• Mortgage brokers
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25.01.2022 HOME & CAR LOANS looking to purchase a home or car? Contact me directly for a no cost financial assessment.

25.01.2022 PERSONAL LOANS sometimes you need just that little bit extra to get to where you want to go. Personal loans can be used for travel, medical, weddings, renovations, personal goods and many other uses. Contact me directly for a no cost financial assessment.

25.01.2022 SAVE MONEY ON YOUR HOME LOAN are you with the best lender on the best rate for your current circumstances? Contact me directly for a no cost financial assessment and home loan health check.

24.01.2022 Completing renovations and need some extra cash to finish the job? Contact me directly for a no cost financial assessment.

23.01.2022 Travelling? You can take out personal loans for travel! Contact me directly for a no cost financial assessment.

21.01.2022 HOME LOANS get into your new home sooner and potentially save thousands by ensuring youre with the right lender and product by using a broker! Contact me directly for a no cost financial assessment.

21.01.2022 Get access to your homes equity to complete renovations and increase your property value! Contact me directly for a no cost financial assessment.

21.01.2022 Looking for a new or used private car and need some help with the finance? Don't get stuck in a high rate loan. Contact me directly for a no cost financial assessment to get your new wheels today!

21.01.2022 DEPOSIT for a home loan. Understand exactly how much you really need to purchase. Contact me for a no cost financial assessment.

20.01.2022 HAPPY NEW YEAR! Lets make 2021 a year to start making all our dreams come true.

19.01.2022 Car Loans, Personal Loans, Business Loans. I'm here to help you get what and where you want to be. Contact me directly for a no cost financial assessment.

19.01.2022 CAR LOANS MADE EASY looking to purchase a new or used car? Contact me directly for a no cost financial assessment.

19.01.2022 Happy Father's Day to our very own super hero's!

18.01.2022 CAR & PERSONAL LOANS made easy. Contact me directly for a no cost financial assessment.

18.01.2022 SELF EMPLOYED and looking for finance? Home loan, personal loan or business loan? Contact me for a no cost financial assessment.

17.01.2022 Weighing up the options of home ownership? There are pro's and con's to everything, let's have a chat about your options. Contact me directly for a no cost financial assessment.

16.01.2022 Fridays Frequent Question; How much deposit do I need to purchase a home? The answer to this is different for each circumstance. Best rule of thumb is 20% deposit plus stamp duty and solicitor fees to avoid paying lenders mortgage insurance (LMI) If you are eligible FHOG and/or building a brand new home with HomeBuilder you will have grants available to you to reduce the required deposit and possibly avoid LMI costs and purchase for 5% deposit or less. Contact me directly for a no cost financial assessment.

16.01.2022 Purchasing a property can be STRESSFUL. That's why we (brokers) are here to help. We reduce a significant amount of stress by; - Ensuring you are with the best bank and product for you - Saving you time and money liaising with the bank - Collecting all of the required documents from you upfront - Ensuring you are fully aware of the loan, fees and costs you are entering into... - Ensuring you have a smooth and stress free lending experience from first contact right through to settlement we are here for you Contact me directly for a no cost financial assessment to look at your lending requirements today. See more

16.01.2022 Housing Loans can be stressful and complicated, but they don't have to be! I'm here to take a large portion of stress away, deal with the bank and ensure you understand exactly what you're signing up for! Contact me directly for a no cost financial assessment.

16.01.2022 Saving for a house deposit? You may be ready to purchase sooner than you think! Contact me directly for a no cost financial assessment and chat to get your lending goals sorted.

14.01.2022 Wondering about the HomeBuilder Government Grant? Contact me, lets have a chat!

14.01.2022 PERSONAL LOANS made easy! Contact me for a no cost financial assessment.

13.01.2022 FREE HOME LOAN & DEBT CONSOLIDATION HEALTH CHECKS you could be saving thousands of dollars a year by making even the smallest of changes to your current debt situation. Contact me directly for a no cost financial assessment.

13.01.2022 Open the door to your first home sooner! Some First Home Buyers are currently saving over $45,000 to gain access to their new home. Find out if this could be you! Contact me directly for a no cost financial assessment.

13.01.2022 HOME LOAN HEALTH CHECKS are you with the best bank for you? Circumstances change. A home loan that suited you a few years ago may not suit you now. It may have never suited you in the first place! Save money on your home loan. Contact me directly for a no cost financial assessment.

12.01.2022 HOME LOANS let me help you get the keys to your new home sooner and easier. Let me deal with the bank! Contact me directly for a no cost financial assessment.

12.01.2022 PERSONAL LOANS fast & easy! Contact me for a no cost financial assessment.

11.01.2022 SELF EMPLOYED and need finance? Look no further! Contact me directly for a no cost financial assessment. Even if you haven't completed your tax returns, yes you!

11.01.2022 HOME LOANS made easy!!! Contact me for a no cost financial assessment.

10.01.2022 Buying or Building you could own your home sooner than you think! Contact me directly for a no cost financial assessment.

10.01.2022 I'm self employed and have not completed my tax returns, can I still get a home loan? YES I specialize in self employed clients. We can complete your loan via a Lo Doc or Lite Doc facility. These facilities have many options to show income such as accountant declarations, business bank statements and BAS just to name a few. Contact me directly for a no cost financial assessment.

09.01.2022 Want to understand more about HOME LOAN DEPOSITS? I have a lot of clients asking me how did their friends get into their first home with almost no deposit?! For most first home buyers a 20% deposit or family guarantees is no longer the norm. There is a time frame to take advantage of such great circumstances so don't delay. Contact me directly for a no cost financial assessment on how you can own your first home sooner.

08.01.2022 CAR LOANS contact me directly for a no cost financial assessment for your car loan today!

07.01.2022 Fridays Frequent Question; Do you charge for your services to get me a home loan? (Speaking for myself and my business, not all brokers) For almost all home loans brokers get paid by a commission by the lender you are best suited to once your loan settles and it does not cost you anything to use a broker. There are some home loans that require additional work or assistance such as self employed or non-bank lenders and if required an additional broker fee may be applied to your loan at settlement. This cost is always clearly advised prior to you going ahead with your finance. However in most cases, no brokers don't cost you anything and they help to ensure you are with the best lender for you. By doing this we help keep the market of home loans competitive and beneficial to the consumer, you!

06.01.2022 First Home Owner, Established Buyer, Construction, Investment, PAYG, Self Employed, No Financials, Bad Credit? I can get you an approved mortgage! Contact me directly for a no cost financial assessment.

06.01.2022 SAVING FOR A HOUSE DEPOSIT? How much do you really need? What hidden costs are you not considering? How much can you purchase for? Contact me directly for a no cost financial assessment.

05.01.2022 FIRST HOME LOAN DEPOSIT SCHEME can save you thousands of dollars on Lenders Mortgage Insurance (LMI) when you have less than 20% deposit. Minimum requirement 5% deposit, places are limited! Contact me directly for a no cost financial assessment.

05.01.2022 NEED EXTRA CASH FOR HOME RENOVATIONS? Have you considered releasing some of your homes equity to increase the value of your property with renovations? Contact me directly for a no cost financial assessment.

05.01.2022 Finance Brokers do a lot of work behind the scenes and all hours of the day. I am here for you and available for meetings after hours and on weekends to ensure your lending goes smoothly and stress free. Contact me directly for a no cost financial assessment.

04.01.2022 Want to know how much you can build for with the HomeBuilder Grant? How much deposit you need? Contact me directly for a no cost financial assessment to get closer to your new home.

03.01.2022 SELF EMPLOYED AND NEED FINANCE? There are many options for self employed clients to obtain finance, even if you are yet to finalize your financials! Contact me directly for a no cost financial assessment.

03.01.2022 Does your Home Loan need a health check? You could potentially be saving thousands of dollars by ensuring your home loan is with the best suited product and rate. Contact me directly for a no cost financial assessment.

03.01.2022 SELF EMPLOYED and looking for a home loan, business loan or asset purchase? Contact me directly for a no cost financial assessment.

03.01.2022 RENOVATIONS cash out on your homes equity to increase it's value with renovations. Contact me for a no cost financial assessment.

03.01.2022 What is the difference between fixed and variable rate? A fixed rate is generally lower than offered variable rate and is fixed for a term between 1-6 years which means over this time frame the rate will not change. This can help borrowers ensure they are on budget as the repayment over this time frame does not change. However in most cases, you are unable to change to variable, refinance or make additional repayments to the loan until the fixed term is completed. You can exi...t with associated fees and costs. A variable rate is subject to the current market & lender and can go up and down depending on these circumstances. With any changes in rate there will be an increase or decrease in your monthly repayments, which if the market is good can benefit you greatly, however the reverse also has to be taken into account of a market crash and increased rates. You can however make additional repayments and exit the loan without the large fees and costs. So which is better? It all depends on YOUR circumstances. Contact me directly for a no cost financial assessment. See more

01.01.2022 CAR LOANS made easy. Contact me for a no cost financial assessment.

01.01.2022 HOME LOAN DEPOSITS how much do you really need to get into your home? It may be less than you think! Contact me for a no cost financial assessment.