How Strategy and a Little Patience Saved This Couple $20,000
With the right structure and a little patience, we helped these first-time buyers lower their repayments and secure a better rate.
Why Smart Timing Matters
It’s easy to rush into a home purchase when you’ve worked hard to save. But sometimes, stepping back to look at your loan structure – not just your deposit or purchase price – can change everything.
In this case, our clients had saved $85,000 and were ready to buy. But a quick numbers check revealed that pushing for the purchase right away would mean:
A significantly higher interest rate
A $25,000 LMI premium
Little financial buffer after settlement
Instead, we created a plan based on their high savings rate to increase the deposit by $10k over 2-3 months. This unlocked a better rate, significant savings on LMI and lower repayments.
The result? Over $20,000 saved in the first year.
Watch How We Structured This Loan For Long Term Success
In just a couple of minutes, Tanya walks through how we built a smarter finance plan that gave our clients flexibility, lower costs, and a stronger start to their property journey.
Thinking of buying soon?
Whether you’re weeks or months away from your purchase, the right loan structure can save you more than just stress – it can save you thousands. If you (or someone you know) is preparing to buy, let’s sit down and make a plan.
Turning What If? into Welcome Home
What our clients say.
We’ll work with you to understand your long-term goals and provide tailored solutions to help you achieve them, helping you get a great deal in the process..