HJQ Financial Solutions

We share our thoughts and the latest credit market trends with our clients through weekly news updates. At the same time, you can make an appointment with one of our friendly, professional consultants to answer any questions about your loans and financial situation. We will help you structure the most suitable loan plan.

We save you time, money, the stress, and we take care of you.

What home loan services we can offer ?

• First Home Buyer
• Investment Loan
• Overseas Income Loan
• Refinance
• Construction Loan

What we have for home loan products ?

• We maintain our relationship with more than 40 banks and other institutions to help you structure the loan and get the best deal
• We offer a flexible rate
• Home loan LVR can be reached to 97%
• 100% LVR for your investment property loans
• Doctors, accountants, solicitors and other professionals are eligible for 90% LVR without paying LMI (Lenders Mortgage Insurance)
• 85% LVR for non professionals
• Waived application fee

What you need to prepare for your home loan ?

Conditional approval
We suggest that you get your conditional approval from a lender before buying the property in case there is a risk of denial.

Valuation report
How much is your property worth from the bank’s perspective ? It gives you peace of mind that you know the property valuation and the maximum loan amount you can borrow before applying for your home loan

Credit report
What is your credit score ? Click here to get you a free individual credit report

Are you in good financial health ?
We can check your current home loan health
Do you realise that you might pay more on your mortgage ? Do you know current promotions from another bank can save you thousands of dollars ? Do you know that your current property can be revalued to get an equity loan. You can use this equity for renovation, invest in shares or invest in another property ?

Do you know that the mortgage will be transferred by the borrower to another bank within 3 to 4 years on average in order to save the money on interest payments.

We highly suggest that each client contacts us every 2 or 3 years to understand the latest market information. It will allow us to assess your current situation to make sure your interest payment is still reasonable.