EXPERT HOME AND INVESTMENT LENDING

Providing the optimal structure for your residential and commercial property portfolio.

Client For Life Approch

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0439 062 771

Full Doc and Low Doc Solutions

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Cash Flow Lending To Suit Your Needs

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Funding for ATO Tax Debts

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Expert Home and Investment Lending

With our expert advice and a panel of over 30 lenders, Dark Horse Financial helps clients get the right home loan and reach exceptional financial outcomes.

Whether you’d like to pay off your home as quickly as possible or build an investment portfolio of multiple properties, our experience has shown that a tailored finance solution is the cornerstone of realising your financial goals. When approaching a bank, clients are presented with products and do not receive advice that suits them, their needs or their goals.

We look at the whole lending market, rather than just one bank, and tailor our finance solution to strategically help you reach the best outcome for your situation.

Strategic Structures

We structure your finance solution so it meets your financial goals, encompassing tax and cash flow effective strategies for an optimal outcome.

Continual Support

We remain close by to ensure your current finance strategy always meets your objectives and needs, setting you up for success.

Holistic Solution

Our finance solutions are built around your entire finance needs, covering commercial finance, investment lending and home loans.

Your Loan Process From Start to Finish

Here at Dark Horse Financial, we pride ourselves on building long-term relationships with our clients to help guide them to success. Your advisor is there to help you from initial information gathering, to loan application right through to settlement. Along the way there are a few steps you will go through:

Broker Meeting

Here you’ll talk through your financial and lifestyle requirements. Your advisor will gather this, and other information needed to recommend suitable lenders and loans for you.

Broker Meeting

Here you’ll talk through your financial and lifestyle requirements. Your advisor will gather this, and other information needed to recommend suitable lenders and loans for you.

Loan Recommendation

After analysing your personal situation and understanding your goals, your credit advisor will provide a finance recommendation. This will include details of suitable loans and outline rates and repayments.

Loan Recommendation

After analysing your personal situation and understanding your goals, your credit advisor will provide a finance recommendation. This will include details of suitable loans and outline rates and repayments.

Loan Application

Your advisor will prepare and submit an application with supporting documents to the lender you have chosen.

Loan Application

Your advisor will prepare and submit an application with supporting documents to the lender you have chosen.

Loan Protection Meeting

Here, you’ll meet our loan protection specialist to ensure you have an appropriate Personal Protection Plan (PPP). This plan provides you with peace of mind that your future loan repayments and living needs can always be met in the event of an unforeseen sickness, injury, or death.

Loan Protection Meeting

Here, you’ll meet our loan protection specialist to ensure you have an appropriate Personal Protection Plan (PPP). This plan provides you with peace of mind that your future loan repayments and living needs can always be met in the event of an unforeseen sickness, injury, or death.

Formal Approval

It’s official – your advisor will confirm that everything’s been approved. Then you’ll receive formal documentation from the lender to read and sign.

Formal Approval

It’s official – your advisor will confirm that everything’s been approved. Then you’ll receive formal documentation from the lender to read and sign.

Post Settlement Care

We’ll stay in regular contact with you to ensure your loan continues to suit your needs.

Post Settlement Care

We’ll stay in regular contact with you to ensure your loan continues to suit your needs.

Contact our expert team at Dark Horse Financial to book your free home loan health check today.

Should I fix my home or investment loan?

Funding costs typically influence lending rates. When these costs go up, most lenders — including the major banks — pass the increase in funding costs through to their home loan customers in the form of higher rates. We saw during the GFC this kind of increase impacts each lender differently depending upon their sources of funding.

The larger banks are able to rely on deeper pools of funding from deposits, and this partially protects them from these increases. If you notice these lenders increase term deposit and savings rates it could be they’re trying to raise increased deposit funds. But as speculation on variable home loan rates is just that, speculation, many of our clients ask us if they should fix all or a portion of their home loan.

Fixed rate loans are funded in a different way than variable rate loans.

The funding cost for a fixed rate loan is locked in by the lender for the same amount and term. This protects both the lender and the borrower from movement in funding costs. Many of our clients fix a portion or all of their home loans regularly if they can’t see the variable-rate going down and staying down below the current fixed rate offers over the next 3 years.

Fixed vs variable is a personal choice that should be decided upon only when you fully understand your needs. There are pros and cons for both options, so it’s about finding what works best for you.