Home, investment and construction loans

Vincents Lending Solutions can help you cut through the financial jargon to help find the loan that is the correct fit for your situation. We’re here to help you every step of the way.

  • Buying your first home
  • Upgrading to a new home
  • Acquiring an investment property
  • Building a home
  • Renovating a home
  • Bridging finance

New home and investment loans

Buying a home is one of the most important financial decisions you will make. Whether you’re just curious, or wanting to buy a home or investment property soon, you should take the time to understand all of the steps first. We’ll be here throughout the entire process to help you and offer you personalised service and support.

Whether you’re a first-time home buyer, next home or investment property buyer, the first stage is to meet with us and make a clear plan for achieving your home ownership goals.

We’re here to help you better understand your finances and borrowing capacity. Identifying your financial goals and understanding your circumstances are key to figuring out how much you can borrow.

We will assist you with:

  • Determining your eligibility for a home loan
  • Performing a credit check
  • Determining the required deposit
  • Considerations when selecting a location
  •  Understanding the costs involved including:
    • Legal representation
    • Loan application fee
    • Moving costs
    • Building and pest inspections
    • Stamp duty
    • Other expenses that come with being a home owner
  • Knowing your entitlements

It’s time to get financial peace of mind. We’ll work with your chosen lender to conditionally approve your home loan application, so you can go house hunting with confidence.

We will assist you with:

  • Understanding the process
  • Preparing the documents required

Once you have your deposit and know how much you can afford to spend, you can begin house hunting. We’ll work with you every step of the way to find and secure your dream home.

With our help, the process of finding and securing your dream home will be exciting, not stressful. We’ll take care of the logistics every step of the way, and always act with your best interests in mind.

We will assist you with:

  • Understanding how to buy a property through privates sales or auction
  • What happens if you change your mind
  • Key questions that you should ask the real estate agent
  • Whether you should choose a fixed rate, variable rate or split rate based on your circumstances
  • Other types of home loans
  • Home loan features

For formal approval, we’ll need to get just a few more documents together and then that’s it! We’ll do all the administrative steps from there to turn your pre-approval into a settled home loan.

You can officially start planning your housewarming!

The last step is to dot the i’s and cross the t’s; that is, to finalise the legal and financial aspects of your home. We’ll be with you throughout these final steps, and beyond, for any questions you may have.

We will assist you with:

  • What happens on settlement day?
  • Tips for repaying your mortgage sooner
  • Selecting the right insurance

Construction loans

If you want to renovate an existing home or build a new home, a construction loan may meet your needs.

We’re here to help you better understand your finances and borrowing capacity. Identifying your financial goals and understanding your circumstances are key to figuring out how much you can borrow.

We will assist you with:

  • Identifying the benefits and drawbacks of building or renovating
  • Determining your eligibility for a construction loan
  • Performing a credit check
  • Determining the equity contribution required
  • Understanding the costs involved
  • Understanding how repayments are made
  • Knowing your entitlements

It’s time to get financial peace of mind. We’ll work with your chosen lender to conditionally approve your construction loan application.

We will assist you with:

  • Understanding the process
  • Preparing the documents required

For formal approval, we’ll need to get just a few more documents together and then that’s it! We’ll do all the administrative steps from there to turn your pre-approval into a construction loan.

You can officially start construction!

The last step is to dot the i’s and cross the t’s; that is, to finalise the legal and financial aspects of your home. We’ll be with you throughout these final steps, and beyond, for any questions you may have.

We will assist you with:

  • What happens if there are changes to planned construction?
  • What happens if you go over budget?
  • Tips for repaying your loan sooner
  • Selecting the right insurance

Listen to our Lending Solutions expert, Phil Ringuet, simplify the home-buying process.

Access our FREE First Home Buyers Guide

Resources available for download

Our team

PHIL RINGUET

Director
Lending Solutions
07 3228 4000
Email us

CONOR MACNAMARA

Lending Advisor
Lending Solutions
07 3228 4000
Email us

MICK LYONS

Brokers Associate
Lending Solutions
07 3228 4000
Email us

ANGELIA BLACK

Business Operations Coordinator
Lending Solutions
07 3228 4000
Email us

Contact us





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    Our testimonials

    • 5 star review  Phil and the Team at Vincents Lending Solutions have now completed 2 mortgages for me, including one refinance. On each occasion the VLS service has been First Class. The responsiveness,... read more

      thumb Sam Heaney

      5 star review  The team at VLS, they took the time to understand our position, and provide us with a number of different options available in a very timely manner. They explained options in... read more

      thumb Ben Hitchings

      5 star review  Phil and his Lending Solutions Team provided a high quality professional service that was really helpful and informative in any questions I had. Would 100% recommend them to anyone seeking... read more

      thumb Luke Thompson
    • 5 star review  One stop shop for all things lending... better rates than I could possibly secure directly... professional and straight talking... cannot fault Phil and his team... thank you

      thumb Kain Elsmore

      5 star review  I have had the pleasure of dealing with Phil and the Vincents Lending team on several occasions. I will continue to use their services due to the outstanding attention... read more

      thumb James Darrouzet

    Our lenders

    Vincents Financial Advisory Pty Ltd ABN 40 010 855 991 | Australian Financial Services Licence 236608.
    Vincents Lifevantage Pty Ltd ABN 79 125 596 349 | Australian Financial Services Licence 320580.
    Vincents Lending Solutions Pty Ltd ABN 69 848 383 535 | Credit Representative 509289 is authorised under Australian Credit Licence 389328.
    Disclaimer: The information provided is of general advice only. We have not considered your financial circumstances, needs or objectives and you should seek the assistance of your Vincents Advisor before you make any decision regarding any products and services mentioned in this communication.
    Liability limited by a scheme approved under Professional Standards Legislation other than for acts or omissions of financial services licensees.