Thinking about buying a new home? Finding the right loan to suit your needs can be a tedious task.

Whether your goal is to purchase your first home, a new home, refinance or invest, we are experienced in arranging the finance you require to make this goal a reality.

We will assist you in evaluating the products existing within the market which are suited to your needs while explaining the finance application procedures to you. We will remain in close contact and answer any questions you might have in the process. Our goal is to make this experience as smooth and stress free as possible for you.

Extensive experience in finance allows us to provide in-depth and fully researched advice and education in relation to the products offered by our lenders. A comprehensive understanding of how product advantages and disadvantages relate to your individual circumstances is a unique benefit delivered by STH Consultants. We ensure the decision you make is fully informed and supported by professional knowledge and experience.

Home loan features vary between products and lenders, so it is important to understand your unique requirements. This is where we can help.

Common features include:

  • Allowing additional repayments to be made.
  • Access to offset accounts, reducing the interest charged on loans.
  • Access to extra repayments made to your home loan.
  • Ability to take a repayment holidays, for maternity leave, holidays etc.
  • The flexibility to move from a variable to fixed rate loan.

Our service goals include:

  • Working with you to make it as easy as possible.
  • Fully disclosing loan requirements to ensure you don’t receive any unexpected surprises.
  • Doing what we say we’ll do and striving to get it right first time every time
  • Meeting with you when and where convenient.

You can be assured that all your dealings with STH Consultants will be conducted on a strictly confidential basis.

SMSF Lending

We can assist you in purchasing your next investment using your Self-Managed Superannuation Fund (SMSF). Extensive knowledge and experience enables us to structure suitable solutions to contribute toward your overall wealth creation strategy.

The support provided by our team simplifies the process of structuring loans through a SMSF, educating you in regards to the options available on the market and assisting you in selecting the product suited to your requirements from an extensive panel of lenders.

We provide you with access to our network of professionals, drawing together the parties required to complete an investment transaction. This ensures that you benefit from the expertise of a range of specialists while maintaining end-to-end management of your investment by our local adviser.

Car Loans

We can help you to access finance for new and used motor vehicles, allowing you to drive away immediately while spreading your repayments out over a period of time. This type of loan is not restricted to cars however, and can even be used to purchase boats, caravans and motorbikes.

Because the vehicle is used as security, car loans are typically offered at a lower rate than for an unsecured personal loan and with the interest fixed for the term of the loan you have certainty in managing your budget.

We have access to an extensive panel of lenders and we work with you to assess which product is suited to your personal circumstances.