What We Do

We find the right loan for the biggest purchase of your life

Purchasing

When you make the decision to purchase a home, investment or commercial property, it is without doubt the biggest most important purchase you’ll ever make.

It’s important to consider:

what’s the best loan for you
what you’ll pay for this loan
how quickly you can pay down the loan with our ‘Cashback’.

We can save you thousands of dollars

Refinancing

Choosing a bank may be a very big decision, but it doesn’t have to be a lifetime one. If you need to unlock equity in your home or you’re just wondering whether you could be getting a better deal, iShare are the right people to ask.

Put simply, refinancing involves paying out your current loan and taking out a more favourable one. At iShare we improve people’s financial circumstances every day through smart refinancing.

We negotiate on your behalf and help you answer these important questions:

Is refinancing the best move for you right now?
How easy will it be to gain approval for a new loan?
What type of home loan is best suited to your new needs?
What is the cost of refinancing?

We know the requirements for first home buyers

First Home Buyers

Being a first home buyer seems daunting but at iShare we take the worry out of the negotiation by having a precise knowledge about your entitlements.

As a first home buyer, you may be entitled to the First Home Owner Grant. The amount available and rules around the maximum purchase price differ across the states and territories. You can find key information about the grant on the Government website. You may also be eligible for concessions on stamp duty

We help you get to grips with stamp duty

Stamp Duty

Though most home buyers leave it as an afterthought, stamp duty is actually a significant part of the cost of establishing a new home loan. The stamp duty calculator can help you assess the impact on your deposit and your LVR … then iShare can help assess the impact on your home loan choices!

You might be dazzled by a low price on your dream home – but don’t forget to consult the stamp duty calculator before you finalise your decision! Stamp duty rates across Australia make up a significant portion of your home purchase costs. The State Revenue Office sets rates across Victoria, NSW, WA, SA and Queensland, and this stamp duty calculator uses the most current figures provided by the official office to assess your obligations.

‘Stamps’ get more expensive every year – if you’re buying a home you must have this important piece of the pricing puzzle from the stamp duty calculator before you start punching numbers into your budget.

Self Employed

If your income is derived from running your own business you can still achieve your dream of becoming a home owner or property investor. The financial requirements are a little different from that of a PAYG applicant, however at iShare we can find suitable, competitive home loan options that suit your situation.

Building a Home

We find the perfect solution for you if you are planning to build or purchase land with the intention to build.

Next Home Purchase

Buying your next home is usually easier than the first time around. Whether you need to move to a bigger place, are looking at downsizing, or just want a change, the equity you have grown in your existing property can often give you more buying power and that can mean more loan options.

In addition, if you have conducted your loan well, lenders will consider you favourably for your new purchase. Your dedicated iShare Broker can provide you with your borrowing capacity for that new property.

We put your best case forward

Credit Impaired

If you’ve experienced credit challenges in the past, it may be difficult for you to get a regular mortgage approved.

But at iShare we’ll package an application to strengthen and broaden your lending options. We have access to many lenders who specialise in credit‐impaired loans to suit a broad range of situations.

We negotiate on your behalf and help you answer these important questions:

What types of loans are available to you?
Do you have the ability to repay any outstanding credit?
Can you afford to pay the higher interest rates associated with credit‐impaired loans?