No Deposit Home Loan Australia

About Ability Finance

Ability Finance is  a finance broking company located in Sydney New South Wales.

Ability Finance is the company sponsoring www.no-deposit-home-loan.net.au

Ability Finance was formed in 2005 right when both the popularity and availability of no deposit home loans increased.

We at Ability Finance have helped many first home buyers and investors purchase properties with little or no deposit and contrary to the popular media speculation this finance has been 100% beneficial for every customer to date.

If you are looking for a finance broker to help find a suitable home loan of any type we are ready to help.

Philosophy

Home loan policies, interest rates, fees, charges and other details can, and do change on a regular basis.

Ability Finance use the latest, and most up to date home loan software databases we are able to access which helps us to find our customers a range of home loan options that may be available to suit their individual needs.

A loan that suited the neighbors, friends or family, may not always be an optimal loan for your situation.

Once we have calculated a potential shortlist of lender options  for our customers the shortlist is analysed and then options compared to create a comparison of possible competetive home loan options.

The short listing process will usually take at least 15 to 20 minutes and at other times, depending on available options and individual situations,  the selection process can take much longer.

Choosing a home loan is a major step for everyone and we are here to spend as much, or as little, time as you need to make an informed choice that you are comfortable with and understand.

Service

Once our customers have selected a  home loan we make every effort to ensure you are informed of all know details and costs, including fees, charges, options and any restrictions.

Wherever possible we lodge home loans online using the lenders own online lodgement systems.

In addition to environmental considerations this method provides the opportunity of receiving an answer often within minutes of lodging the application and is often prioritised by many lenders.

As the application progresses Ability Finance constantly monitor the status to avoid unnecessary delays, whereever possible. Our customers are updated and kept informed on a regular basis.

Following settlement your loan will be reviewed on an annual basis to ensure that the home loan loan is  still competitive and suitable for your requirements and longer term goals.

Cost

Nothing extra! Most home loans allow for a finance broker to earn commission from the bank or lender without the client being charged any more than if they had dealt with the bank directly.

The difference with using a finance broker is that you get to compare all their lenders, and their loans that the broker has available and choose the option that suits you best without having to go from bank to bank and lender to lender.

Provided the finance broker you have chosen is accredited with a wide range of banks and lenders and has an up to date and easy to understand loan analysis database you should at least end up with the peace of mind that you have shopped around for a competetive deal.

Even if you happen end up with a lender you may have initially chosen on your own, the service from a finance broker should never have cost you any extra.

Choosing from amongst the extensive range of home loan products even just one bank or lender offers can be time consuming and there is still the risk of choosing a less than satisfactory or even not the most competetive home loan product.

People

Wes Smith is the owner of Ability Finance and will usually be the person helping you choose the home loan for which you wish to apply. Wes will then prepare, check and lodge your home loan application.

Wes will be available to answer any questions along the way and will be providing regular updates as the home loan application progresses.

The software systems utilised at Ability Finance also help our staff to check customers home loans for suitability and continued competitiveness over time.