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Home Loan Features

There are many features and benefits to consider when you are choosing the most suitable home loan for you.  You may want to reduce your loan interest, consolidate your debts, have the convenience of one account or gain a discount on your interest rate. We find that at Birchcorp we can improve your interest rate in a majority of cases.

 

Certain loan features may be dependent on personal goals and require careful consideration.  These may include considering the following options:


• Additional payments
• Direct salary credit
• Loan portability
• Redraw facility
• Switching to fixed interest
• Top up

 

Several important functionalities of any loan include:

 

100% OFFSET ACCOUNT

 

A 100% offset account is a savings account linked to your home loan.  You pay less interest on your home loan because no interest is paid to the offset savings account. This is a very important functionality, that is vital to any Home loan application. Several banks allow more than one offset account to be attached to your home loan. Again, these must be used with caution as they have taxation consequences for investors.

 

ALL IN ONE LOAN ACCOUNT

 

This is a loan account that acts as a combined mortgage, savings and cheque account.  These accounts will often have a credit card linked to them.
Standard ATM transactions and direct debits are also managed through the account.

 

PROFESSIONAL PACKAGE

 

These packages are generally only available on home loan amounts over a certain value.  The lender will offer a large and competitive discount on the interest rate.

Birchcorp Financial Planners can help you decide what is most important to you. We will also guide you through the entire property purchase. We will ensure you understand every step of the way through one of your single largest investments in your life.


Purchase Property in your SMSF

SMSF and property investments: Although many property spruikers stand before you and sell the concept that everyone must buy a property in your SMSF. Birchcorp is here to say that there is much time and effort required for an investor to decide to embark on this complicated arrangement. Although Birchcorp is happy to say the process is as easy as 1,2,3... it is not a process that should be taken lightly. We are professionals and have processed these SMSF establishments and ongoing services many times. A complacent trustee can easily come into serious trouble with the govern... Read More

Insurance

Birchcorp can show you how you may purchase your Insurance with no out of pocket expense.

Unlike other Financial Planning firms, Birchcorp is happy to show you how and why you can decrease your Insurance coverage... Read More

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Birchcorp Pty Ltd ABN 56 132 775 654 is a Corporate Authorised Representative (No. 339299)
of Dover Financial Advisers Pty Ltd ABN 87 112 139321, which is the holder of an AFSL No. 307248. Birchcorp Pty Ltd is an Accredited Member of the FBAA with an ACL No. 376718.