At Liston Newton Advisory, we offer lending advice as a part of our holistic business and financial strategy. We have good relationships with the four major banks and an in-depth knowledge of fintech opportunities.
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We have the knowledge and experience to help you find finance that suits you. We have a range of popular lending options, some of which may be new to you.
We have great relationships with the big four banks. Our clients can even enjoy a reduced deposit from one of the major banks.
We understand our client's circumstances so we can help you select the best lending choice for circumstances.
We not only know bank loans, but we can also offer lending advice on alternatives such as fintech and peer to peer lending.
Our lending advisers can provide a broad variety of options so you can find the financing to reach your goals. Whether that be borrowing money to help grow your business or to buy a house, we've got a solution that will suit your circumstances.
We can also refinance loans that you already have. As the finance market is in constant change, it is important to keep re-evaluating your current loan structure, to ensure you are getting the best deal possible. By taking advantage of increased competition between lenders, we can modify existing loans to suit your finances better.
Our team can even travel to your premises to consult with you face-to-face. It's all part of our commitment to our clients.
We call our methodology Get Set, Get Moving, Get Free. It's a three-phase map to success that gradually moves you through the stages of business growth at a sustainable pace.
We can help you with lending advice to suit your stage of business growth and personal wealth development. At Liston Newton Advisory, you can trust us to provide proactive business and lending advice.
Find out how we do thingsAll our lending advisers are appropriately qualified and accredited to be the best in the business.
We've got answers to suit your situation. We have great relationships with the big banks, plus many more lending options to advise you on.
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Take a lookGenerally, most lenders require a 20 per cent deposit, while some lenders will allow you to go down to a 15 per cent deposit.
If you only wish to have a 10 per cent or 5 per cent deposit, you may need to pay Lenders Mortgage Insurance (LMI). LMI is an additional fee that is paid to a third-party insurer. Often this fee can be added to the loan.
You also need to factor in bank fees, legal fees, and stamp duty.
If you want to repay you mortgage as fast as possible, there are a number of things you can do, including:
Banks will look at a number of factors when considering any finance application, including:
Often with the help of a professional, you can negotiate your way into a loan which is appropriate for your circumstances.
Stamp duty is a type of tax that is paid when you purchase real estate in Australia. The amount of stamp duty you pay depends on the state you live in, it's generally between 5 and 5.5 per cent.
As a first home buyer you may be exempt from stamp duty or eligible for a stamp duty discount. For newly built homes and apartments, the stamp duty is often waived.
This depends on your savings. Generally, you can borrow between 80 and 95 per cent of the value of the property you are purchasing. That means you need to have the remaining amount in savings.
You will also be assessed on your ability to service the loan. Serviceability is measured on how much income you earn each year, your expenditure and also any other outstanding debts.