Our clients have purchased real estate throughout Australia, whether it be a second home, a holiday home or multiple properties for retirement.

Crystal Finance Pty Ltd is a member of the Mortgage & Finance Association of Australasia (MFAA) which vets its members, runs education programs, has a code of ethics and a dispute resolution scheme.

We are also accredited members of Credit Ombudsman Service Limited (COSL) which provides a free and independent external dispute resolution scheme for consumers.

WE CAN HELP YOU

Many of our clients have used the equity in their homes as a stepping stone to create wealth through the purchase of an investment property. Many have gone on to purchase two, three, four or more properties.

To provide as many properties as you can afford, we use all the tools at our disposal – cross-collaterisation, stand-alone security, mortgage insurance, self-certified loans, interest only, fixed rates, variable rates, lines of credit, etc.

Purchasing investment properties means taking on investment debt. It takes time and requires the development of an investment strategy. Deciding how to go about it can be bewildering.

Crystal Finance can help you. We can develop an investment strategy which includes a mortgage planning service using a combination of the above tools.

Any strategy needs to be modified and fine-tuned over the years as your circumstances change, market conditions go up and down, new products come onto the market, etc.

• We recommend you re-visit your strategy with us at least every 12 months.
• To purchase an investment property you need equity. Equity is in your home.
• To release this equity to your greatest advantage, you need to repay your home loan as quickly as possible. You also need to know how much your home is worth.
• We can show you how to accelerate your home loan reduction using simple processes such as fortnightly repayments, offset accounts and discount interest packages.
• If necessary, we will restructure your loan though refinance, debt consolidation or line of credit.
• Developing the loan structure is one thing. Managing the cash flow is another.
• Again, we can help you with ideas on how best to juggle your wages, rent and credit card payments so you can continue purchasing investment properties.
• All this at no cost to you.

The banks pay us a commission on successful settlement of your loan.

We are accredited with more than 30 banks so we have a wide range of available lenders from which to choose.

All our finance managers are ex-bank lending managers and between us we have more than 100 years experience in lending.