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Port Finance Group

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Melbourne, VIC
Port Finance Group

Visit us as www.portfinance.com.au to Talk to a Broker or let us come to you and help you understand what your home loan options are.

Since 2001 Port Finance has provided professional finance broking services to Australian and International clients. Our consultants have access to over 30 banks and lenders and can assist you with a broad range of home and investment loans, commercial and business finance, vehicle and equipment leasing. We also have access to off-the-plan property.

25/04/2024

Port Finance Group makes the LMG Top 100 Business List 2023!

26/02/2024

"Before anything else, preparation is the key to success" - Alexander Graham Bell.

This is definitely the case when it comes to buying property - whether it's your very first home, your forever home...or somewhere in between.

Want to get preparations underway? Get in touch today.

📲 (03) 9006 4700
🖥️ https://bit.ly/3x1pd2N

23/02/2024

If you've got a mortgage, there's every chance you've been closely tracking interest rates. After all, each change has the potential to seriously impact your back pocket.

And by knowing what's on offer in the market, you're in a better position to negotiate with your lender to secure a more competitive rate.

Of course, if you're a client of ours we can do this for you.

Reach out for help securing that better deal today.

📲 (03) 9006 4700
🖥️ https://bit.ly/3x1pd2N

19/02/2024

If you've only recently purchased your home, you may not have built up much equity in your property.

This can sometimes make it harder to refinance to another lender.

Here's what to do:
1. Speak with us
2. Explore your options with other banks
3. Keep your credit file healthy – this means not applying for credit until the refinance has been approved

Get in touch to explore your options.

📲 (03) 9006 4700
🖥️ https://bit.ly/3x1pd2N

17/02/2024

If you're thinking about investing in property, you may have come across the term 'cross-collateralisation'.

What it means is that you use more than one property as security for your mortgage, instead of the usual one property (i.e. the property that you're buying).

What this could look like, as an example, is if you owned your $1M home outright (congratulations!) and you wanted to buy a $500k investment property, but didn't have the 20% cash deposit, you could offer your $1M home as security.

This would mean you'd be borrowing $500k and that this loan would be secured against two properties worth $1.5M in total, meaning you wouldn't need to pay lenders mortgage insurance.

Like anything, there are pros and cons to this approach. Get in touch for help understanding the risks and how to optimise your lending products.

📲 (03) 9006 4700
🖥️ https://bit.ly/3x1pd2N

14/02/2024

Housing is certainly not as affordable as it once was. And we absolutely get why a lot of people might feel it's unattainable for them.

But we're here to tell you that where there's a will, there's a way.

Don't let the headlines and endless negative commentary crush your dreams.

We'd love to talk with you about what's achievable. Get in touch today to start dreaming big again.

📲 (03) 9006 4700
🖥️ https://portfinance.com.au

12/02/2024

Wondering how long you'd be locked into your home loan? Well, assuming you make only the minimum repayments, you'll be paying back your loan for as long as the home loan term.

The home loan term is the length of time you and the lender agree your loan will be paid back by.

Home loan terms usually range from 20 to 40 years, with 30 years being fairly standard.

Choosing a longer term will result in lower monthly payments, but you'll pay more in interest over the life of the loan.

Want to know which term is right for you? Get in touch and we'll help you weigh the pros and cons.

📲 (03) 9006 4700
🖥️ https://bit.ly/3x1pd2N

08/02/2024

Do you want to take the leap into homeownership but feel overwhelmed by the options, and perhaps a bit deflated by the media commentary and the very real cost of living pressures?

Understanding the basics can empower you to make informed decisions, which is something we love helping our first home buyers get on top of.

From fixed-rate to variable, offset to redraw, the key is finding what aligns with your financial situation and long-term goals.

Remember, a home loan isn't just about getting the lowest rate. It's also about finding a comfortable monthly repayment and understanding the total cost over the life of the loan.

Let’s explore your options together.

📲 (03) 9006 4700
🖥️ https://bit.ly/3x1pd2N

06/02/2024

When we compare home loans, it's not just the interest rate we consider when calculating how much it will cost you.

There are a plethora of other fees that lenders will charge throughout the life of your loan – from applying, to using key features, to exiting the loan.

And of course the lowest price doesn't always equate to the best value, so we look at how you'll use the loan product, and what's going to support your overarching property strategy.

Get in touch to get started.

📲 (03) 9006 4700
🖥️ https://bit.ly/3x1pd2N

29/01/2024

Home loans can be complicated, but with the right strategy, you can make the most out of your investment.

Whether you're looking to pay off your mortgage faster, refinance your home loan, or renovate your property, we're here to help.

Our team of brokers can guide you through the process and provide you with personalised guidance to help you achieve your financial goals.

From negotiating a better interest rate to consolidating your debts, we're here to help you optimise your home loan and achieve a brighter financial future.

Drop us a message to find out more.

📲 (03) 9006 4700
🖥️ https://portfinance.com.au

25/01/2024

Building wealth, taking charge of your money, and achieving financial freedom has nothing to do with acquiring more 'stuff' and everything to do with having the freedom to do what you want with your one precious life.

Is there anything more important than time?

📲 (03) 9006 4700
🖥️ https://portfinance.com.au

22/01/2024

There are about 13.3 million credit card accounts currently open in Australia.

Sounds like a lot, but it's actually down 20% since 2018.

We're thinking this has got a lot to do with people wanting to improve their borrowing capacity when applying for a home loan, along with the rise of Buy Now, Pay Later services which promise interest-free terms.

Interestingly, while there are fewer credit cards, they're now used for more transactions than ever.

Just remember, a credit card can be useful (especially if you're points hacking), but it's not something you want to pay interest on.

And here in Australia, having a credit card does not help you build your credit history. If anything, if not used responsibly, it can damage your credit file.

What do you think? Are credit cards a yay or nay for you?

📲 (03) 9006 4700
🖥️ https://portfinance.com.au

Address

11 Wilson Street, South Yarra
Melbourne, VIC
3141

Opening Hours

Monday	9am - 5:30pm
Tuesday	9am - 5:30pm
Wednesday	9am - 5:30pm
Thursday	9am - 5:30pm
Friday	9am - 5:30pm

Website

http://portfinance.com.au/

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