Home Loans

Aussie’s love property. And we love to help Aussie’s acquire the properties of their dreams. Whether you’re a first home buyer, property investor, developer or insta famous billionaire, we can assist you realise your property goals. We partner with all kinds of people and organisations every day to assist them acquire finance that fits their needs and goals. We have access to a wide range of lenders, including specialist and private lenders, enabling us to source the best rates and to tailor finance to suit your needs.

TMLA CAN HELP

Whether it’s your first investment property, or adding to an existing property portfolio, TMLA will guide you through the multitude of financing options available. From structuring your loans correctly, looking at different options in relation to security, stand-alone versus cross collateralization, diversifying through using more than one bank, and avoiding entanglement, we sit beside you to help you make the right decision.

Refinancing

Refinancing your existing home or investment loan can be a great way of bringing your loan features in-line with today’s market offerings.

Refinancing your home loan could save you interest, aiding cash-flow, and putting more money back in your pocket.

Do you want to renovate your home or invest further? Refinancing may enable you to access the equity in your home to achieve this goal.

TMLA CAN HELP

We can save you time and determine if you will save money when refinancing and assess how much cash out you may be eligible to apply for.

Reverse Mortgage

For many older Australians, and their families, decisions about how fund the costs of aged care or improve a retiree’s financial situation when ageing in the family home, create numerous financial, logistical and emotional challenges.

For example:

• Do I have to sell the family home to fund the costs of aged care?
• What if only one family member is moving into aged care?
• How can I pay for the refundable accommodation deposit (RAD) or refundable accommodation charge (RAC)?
• If I borrow money, how will I be able to make loan repayments? I am on the pension.
• How can I pay for the costs of additional home support or care?
• I am constantly struggling with the increased cost of living. The pension is not enough. What can I do?

TMLA CAN HELP

Our reverse mortgages allow approved applicants, to use their equity in residential real property, to improve their retirement and ageing experience, without the need to sell their residential real property.

Retirement Living Loan

For many older Australians, and their families, the decision to sell the family home, and down-size to lower maintenance, retiree or seniors friendly accommodation creates numerous financial, logistical and emotional challenges.

For example:

• Should I sell my home and move into an independent or assisted living unit in a retirement village?
• Should I sell my home and move into a manufactured home in a lifestyle estate or over 50’s community?
• Should I sell my home and move into a smaller house or unit?
• What if I want to purchase my new home before I have completed the sale settlement of my current home?
• What if I sell my current home before I have found a new home?

TMLA can help

Our retirement living loans allow approved applicants, to use their equity in residential real property, to fund the purchase of their chosen retirement living accommodation, prior to the sale of their residential real property.

Car Loans

If you’ve always dreamt about that classic car to call your own or would like to upgrade to a new car, TMLA is able to assist you with your finance. It’s easy, just give us a call and we will guide you through the process.