How Can We Help?
Whether you’re buying your first home, reviewing your current loan, building an investment portfolio or financing your next car, the right loan isn’t necessarily the one with the lowest advertised rate.
It’s the loan that fits your situation.
At Goulding Finance, I’ll help you understand your options, compare the lending available through my panel and guide you through the process from the first conversation through to settlement.
No jargon. No pressure. Just straightforward advice.
Buying Your First Home
Your first home shouldn’t feel like a guessing game.
Buying your first home is exciting — but knowing how much you can borrow, which schemes you may be eligible for and where to start can be overwhelming.
That’s where I come in.
I’ll help you understand your borrowing position, work through your deposit and purchasing goals, compare your lending options and explain the government assistance that may be available to you.
Government assistance you may be able to access
Australian Government 5% Deposit Scheme
Eligible first home buyers may be able to purchase a home with a minimum 5% deposit and avoid Lenders Mortgage Insurance (LMI), subject to the scheme’s eligibility requirements and property price caps.
Australian Government Help to Buy
Help to Buy is a shared-equity scheme that may allow eligible first home buyers to purchase with a deposit of as little as 2%.
The Australian Government can contribute up to 30% towards an existing home or 40% towards a new home, subject to eligibility requirements.
You own the property, while the Government holds an equity share which can be repaid over time.
Queensland Boost to Buy
Boost to Buy is a Queensland Government shared-equity scheme designed to help eligible first home buyers get into the property market with a deposit as low as 2%.
The Queensland Government can contribute towards the purchase price, reducing the amount you need to borrow.
Places are limited and eligibility requirements apply.
Queensland First Home Owner Grant
Eligible first home buyers purchasing or building a new home in Queensland may be able to receive a $30,000 First Home Owner Grant, subject to the scheme’s eligibility requirements and property value limits.
The grant does not apply to established homes.
Queensland First Home Concessions
Eligible first home buyers may be able to significantly reduce their transfer duty when purchasing a home.
Different concessions apply depending on whether you’re purchasing an established or new home and the value of the property.
Not sure which one applies to you?
That’s completely fine.
You don’t need to understand every government scheme before you speak to me.
I’ll help you work through your deposit, income, proposed purchase price and circumstances so you can understand which options may be available to you — and which ones aren’t.
Refinancing
Your home loan shouldn’t be set and forget.
Your circumstances change. Your income changes. Your property value changes.
And the home loan you took out a few years ago might no longer be the right fit.
I’ll look beyond simply asking, “What’s the lowest rate?”
We’ll look at:
- Your current interest rate and repayments
- What you currently owe
- What your property may be worth
- Your current financial position
- Whether you could access equity
- Whether consolidating debt makes sense
- Fixed versus variable options
- The costs involved in switching
- Whether refinancing actually leaves you better off
Because refinancing isn’t automatically a good idea.
If the numbers don’t stack up, I’ll tell you.
If they do, I’ll help you compare the available options and manage the process of moving to a new loan.
Investing in Property
Build your next property move around a strategy — not just a loan.
Investment lending can get complicated quickly.
Whether you’re buying your first investment property, accessing equity from an existing property or refinancing an investment loan, the structure of the loan can matter just as much as the interest rate.
I’ll help you understand your borrowing position and the lending options available for your circumstances.
We can look at:
- Your current property and available equity
- Your borrowing capacity
- Investment loan options
- Principal & interest versus interest-only
- Accessing equity
- Refinancing existing investment debt
- Structuring lending for your next purchase
- The costs involved in making the move
You don’t need to have the next five properties mapped out.
You just need to understand what your next move could look like.
Car Finance
The right car loan should make sense before you sign the contract.
Car finance doesn’t need to be complicated.
Whether you’re buying a new car, upgrading the family vehicle or financing something a little different, I’ll help you compare your options before you commit.
We’ll look at:
- How much you want to borrow
- Your deposit or trade-in
- Loan term
- Repayments
- Interest rates
- Fees and charges
- Secured and unsecured options where appropriate
The goal isn’t simply to get you approved.
It’s to make sure the finance fits comfortably into the bigger picture.
However We Help, It Works the Same Way
- 01
We talk it through
A relaxed conversation about what you’re planning.
- 02
We compare lenders
Across a broad panel, not a single bank.
- 03
We handle the paperwork
Application through to settlement.
Not Sure Where You Fit?
That’s completely fine.
You don’t need to know what loan you need before you speak to me.
Tell me what you’re trying to achieve and we’ll work through the options together.
No obligation. Just a conversation about your options.
Important information
Government schemes, grants, concessions and eligibility requirements can change. Information provided on this website is general in nature and should not be relied upon as personal financial or legal advice. Eligibility will depend on your individual circumstances and the relevant scheme requirements. Always confirm current requirements with the relevant government authority before making a decision.