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How much is LOYALTY costing you?

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When was the last time you reviewed your finances? 

STOP WAITING START SAVING 

Napiers has been providing financial solutions for 40 years and work with our customers to review their finances on a regular basis saving our clients hundreds of thousands of dollars over the lifetime of their loan.

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We make it simple to review and switch your mortgage. With out online systems it makes it easier to collect and send the information needed to approve your loan. With our new online mortgage product you get the best of both personal  one on one service and speed of the online platforms.

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Napiers works for you to take the stress out of it so you can focus on whats important to you.

HOMELOAN

No headaches searching for the best deal

No confusion on bank jargon - LVR , LMI

No long on hold bank phone calls 

FINANCE PROCESS

  • Apply
    Complete customer information form and provide supporting documents.
  • Contact
    Our specialised team will be in contact to confirm details provide and discuss what you are looking to achieve.
  • Pre-approval
    We will come back to you with a pre-approval and a numbers of solutions
  • Unconditional Approval
    We act on your behalf to obtain an unconditional approval. We may need to collect further information prior to unconditional approval being issued.
  • Mortgage Docs
    Letter of offer and mortgage docs are sent to you to be signed and returned.
  • Settlement
    Logins and passwords will be sent within the following 10 days after settlement for your online banking.
  • Post Settlement
    Napiers will be your point of call after settlement meaning your not just another number to the banks.

 HOME LOAN PRODUCTS

LOW RATE HOME LOANS

Home Loans for:

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  • Purchase

  • Refinance

  • Standard Variable Rate

  • Fixed Rates

  • Combo Loans ( Half Variable/ Half Fixed)

  • Debt Consolidation 

  • Extra benefits for professionals

SELF EMPLOYED

Ideal for:

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  • Tax Returns not competed

  • Cashflow for working capital

  • Newly Self Employed                 (12 Months ABN accepted)

LOW DEPOSIT HOME LOANS

Ideal for:

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  • Low deposit

  • First home buyers

  • Non genuine savings

  • Gift from relatives

  • Looking to buy new home or investment property

  • Entering back into property market after seperation

  • Keeping savings for other use

CREDIT IMPAIRED

HOME LOANS

Ideal for:

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  • Defaults

  • Part IX or X debt agreements

  • Discharged Bankrupt (one Day)

  • Mortgage Arrears

  • Late payments on credit/mortgages

  • Declined by bank or another lender 

RENOVATION & BUILDING LOANS

Ideal for:

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  • Building new home

  • Structural renovations

  • Pay as you build

  • Owners builder options 

SMSF HOME LOANS

Ideal for:

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  • Investment in residential property using a SMSF

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