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Monday 9am - 5pm Tuesday 9am - 5pm Wednesday 9am - 5pm Thursday 9am - 5pm Friday 9am - 5pm

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RSEL Financial Solutions

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Australia
Gold Coast, QLD
RSEL Financial Solutions

Our panel includes all the major lenders, as well as most second and third tier lenders, credit unions, and mutuals. Get in touch for specific lender options.

Our panel includes over 60* lenders and is constantly being updated to ensure you have access to a comprehensive range of loan types across a broad range of categories.

22/05/2023

FAQ – How to build equity in your home
To increase the value of your property, there are ways to increase the equity in your home.

- Making upgrades/ renovations can boost the market value of your home. But to avoid overcapitalising, it’s important to consider how much you’ll actually need to borrow. Getting quotes up front is important and speak to others in your local area who have recently renovated to compare.
- Make larger or more frequent repayments - This can help build useable equity by reducing your loan balance.
- Make lump sum payments
- Link your account to 100% offset - You can reduce the amount of interest you pay by linking an eligible transaction account to a 100% offset facility. This can help you save on interest charged on your existing loan and build equity faster than think!!
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To figure out how much you can borrow against your useable equity, Get in touch with Renay Logan, Senior Mortgage Broker today & we’ll calculate it all for you!

20/05/2023

FAQ - What is equity?
Equity is the difference between the value of your property and the amount you still owe on your home loan.
It’s important to understand the difference between equity & useable equity – as you can’t use all of your available equity.
What is useable equity?
Banks will usually lend up to 80% on the value of your property, provided you can meet the repayments. Useable equity is the difference between this amount and the existing lending you have against the property.
To figure out how much you can borrow against your useable equity, Get in touch with Renay Logan, Senior RSEL Financial Solutions

18/05/2023

FAQ - What happens after settlement?
After settlement, your lender will draw down on your loan. This means the lender will debit the amount they’ve paid at settlement from your loan account.

You’ll then pay the land transfer duty/stamp duty. It’s usually paid on the settlement date.
We’ll run through your repayments schedule and set this up for you, generally for first payment is one month after settlement date (subject to lender’s policy).

The seller is responsible for rates & other council fees up to & including the day of settlement, but after this, you’ll need to pay these costs.

Once settlement is completed, you can collect the keys from the agent and take possession of the property. It’s time to move into your new home at last.

We know that the home loan process can be daunting. That’s why it’s vital to have a mortgage broker with you for the entire home loan process. Make an appointment with Renay Logan, Senior Mortgage Broker RSEL Financial Solutions today!

15/05/2023

FAQ - What happens on settlement day?
On settlement day, at an agreed time and place, your settlement agent (solicitor or conveyancer) meets with your lender and the seller’s representatives to exchange documents. They organise for the balance of the purchase price to be paid to the seller.
Your lender will -
• register a mortgage against the title of your new property
• provide the funds to purchase the new property.

Your solicitor or conveyancer checks that:
• any existing mortgage on the title to the vendor is discharged
• any third party/person who has rights over the property (a caveat) is removed
• all clauses on the sales contract are fulfilled
• the transfer of land &mortgage is registered with the title office

At RSEL Financial Solutions we’re with you every step of the home purchasing process and long after settlement. We consider you a customer for life! Make an appointment today with Renay Logan, Senior Mortgage Broker.

12/05/2023

FAQ – Can I prepare for settlement day?
Here are a few tips that will help settlement day goes as smoothly as possible. Be prepared and make sure:
• you’ve contacted a solicitor or conveyancer to act as your agent in the settlement process
• the sales contract is signed and dated with the correct settlement date (agreed to by both you and the seller)
• you’ve organised all the money needed to complete the sale (to cover stamp duty, lenders mortgage insurance and other fees and charges)
• you’ve organised building and contents insurance effective from the purchase date
• you’ve had an opportunity to complete a final inspection of the property.
Contact Renay Logan, Senior Mortgage Broker RSEL Financial Solutions for an appointment & get pre-approved asap!

10/05/2023

FAQ - What is settlement?
Property settlement is a legal process that is facilitated by your legal (and those of the seller) representative and your mortgage broker. It’s when ownership passes from the seller to you, and you pay the balance of the sale price (minus your deposit).

The seller sets the settlement date in the contract of sale. As a general rule, property settlement periods are usually 30 to 90 days, but they can be longer or shorter.

If you’re only refinancing a loan, then refinance settlement may be shorter and simpler!
Contact Renay Logan RSEL Financial Solutions to make an appointment & determine your maximum borrowing power!

27/03/2023

How much can I borrow? Your borrowing capacity determines how much you can borrow for a home loan. This varies between each lender - as each bank has different standards.
Doing a quick 'online calculation' will NOT give you an accurate figure, as there are many factors involved, including -
- Your annual salary
- How many in your household and on the title
- other loans and debts
- Any investments you may have
- Any additional income
- Your expenses and monthly savings
- Any dependents
- The type, length of loan and rate.

For a true figure of your borrowing power, make an appointment with RSEL Financial Solutions and know how much you can borrow!

25/03/2023

At RSEL Financial Solutions we have over 50* lenders on our panel including white label products. This means there are numerous options and comparison rates for you to choose, ensuring that you decide on a mortgage that is right for your circumstances!
Book an appointment today and get pre-approval!

23/03/2023

Is your fixed rate expiring in the next 3-6 months? If so, it’s best to be prepared in this market.
To assist you in learning how to minimise and manage your home loan repayments and get ready for refinancing, make an appointment with Senior Mortgage Broker, Renay Logan today!

21/03/2023

What are the benefits of refinancing?

1. Access your equity - If you've built up equity in your home, you can access this to fund renovations or purchase additional assets
2. Consolidate debt - Any existing loans you have can be rolled over into your mortgage
3. Lower interest rate - Getting a competitive rate than what you’re currently on
4. Change current features - Changing current home loan features that you no longer use, that can save on your monthly repayments

Get in touch today for an appointment & we'll look at comparison rates for you!

04/03/2023

Rising interest rates and listening to the constant churn of the media, may of left you rather uncertain whether to stay with your current lender or look at refinance options. No two customers are alike, and it’s all based on your current financial circumstances. If you’re concerned about your current rate or about to come off a fixed rate in 2023, please get in touch.
At RSEL Financial Solutions, we’ll run through various options for you and compare home loans rates – according to YOUR individual financial needs!
Get in touch today for a free appointment.

02/03/2023

At RSEL Financial Solutions, we offer free property reports for suburbs you're wishing to purchase in. The report will give you population statistics, market turnover and potential rent returns specific to the suburb you are looking at.
Generally most financial institutions charge clients for this however at RSEL Financial Solutions, its all part of the service!
Give us a call today!

Address

Gold Coast, QLD
4220

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Website

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