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How we work

We are flexible and can work with you any way you would like to approach getting your finance approved...

Expert Advice & Guides

Entering the property market is no easy feat for a first homebuyer, but even parents who...

Calculators

Buying your first home can seem overwhelmingly complex and challenging...

Why Menzies

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We compare loans from over 20 lenders

Testimonials

Dear Paul,Thank you so much for all your help towards our new homeMitch & Renae

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Paul, Thanks for all your efforts with our SMSF, you made what seemed to be complicated quite easy for us. Thanks also for putting those folders together ...

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Melissa & Tim Larke
You’re a legend Paul I still can’t believe this is happening to us but I would like to thank you all for everything you guys have done for us (especially ...

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Jenny
Thanks you so much for the note re the financing of the house in Mudgee. Everything went well and it showed that when you use experienced people such as yourselves ...

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Malcolm G
Hi Paul Caitlin and I would like to thank you and the team at Menzies for your service and support during the mortgage process. ………..your help was greatly appreciated. We ...

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Tan & Caitlin
Hi Paul, Moved into Mona Vale house which is very exciting for us. Very happy with the loans……Hope all is well with you and we will be sure to contact ...

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Felicity
Thank you very much for meeting with us again. Your advice is always spot on and gave Jacquie and I lots to talk about last night. I was very interested ...

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- Frank Fiorenza
I just wanted to say thanks again for meeting with me on Wednesday night. You explained everything really well and at a level that I could understand! Hopefully we will ...

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- carley
We wish to express our utmost satisfaction with your services, which has been genuinely outstanding, honest and professional. Thanks and best regards.

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- Torben Kjaer
Hey Tim, Once again a BIG THANK YOU for all your help in everything. You have no idea how thankful I am Tim for all your hard and tireless work. ...

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- Mitlena

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FAQ

Each bank calculates your maximum borrowing capacity differently using their own serviceability calculators. At Menzies Financial we run your figures over all the banks calculators and determine the amounts each bank is willing to offer you. We can also suggest ways to increase your borrowing amount if required. In general, the higher your income and the lower your other liabilities are, the more you can borrow. See the How much can I borrow calculator page for more information.
It depends on your circumstances and your outlook. Fixed rates are usually a little higher than variable rates so you have to weigh up the alternatives ie comparative cost of each option, the requirement you have for certainty in your repayments, what you believe rates will do in the future, and the question of how long to fix for. Fixed rates have the benefit of giving you full knowledge of what your repayments will be over the term you fix however they also have a number of disadvantages. These may include a limit to the amount of extra repayments that can be paid off the loan each year. Most lenders limit this to an extra $5K or $10K over your agreed repayments There may be significant break costs if you have to break the fixed rate period before its expiry date ie if you decide to refinance or sell the security property. The fixed rate is usually set at time of settlement - not at the time the rate is quoted to you at the beginning of the arrangement of the loan. You can however "lock" the fixed rate upfront however there usually is a charge for this and the amount is dependent on the lender you are using.
Depending on what area you are seeking advice, will determine if there is a fee or not. Generally it costs you nothing. As a group we refer large volumes of loans to each bank and commissions are paid back from these lenders based on this volume. The end result is that you end up with exactly the same loan as if you went to the bank directly but gain through getting our knowledge and advice on which banks it is worthwhile for you to approach and which banks are not. You also gain from our knowledge of loans and advice on the best way to structure your loan.
You can potentially save very large amounts in interest cost by paying the loan off more frequently and by paying off extra amounts. At Menzies Financial Group we use software that can show you exactly how much you would save in any given scenario and suggest ways you can achieve the greatest savings. Setting your loan up with an offset account also can be a way to pay your loan off more quickly because any funds placed within this account is effectively equivalent to paying principle off your loan. Contact us to find more about this powerful structure.

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Contact Details

Address :  Level 2, 2 Powells Road, Brookvale NSW

Telephone : (02) 99072257

Toll Free :   (02) 9905 8078