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Our way - the RealWay, is to be with you every step along the way. From initial consultation, to settlement and many years beyond, we wish to make your experience of property purchasing easy, unique, educational and exciting. We take care of all the paperwork and are always available to answer questions along your way!
You are unique!
Everyone is unique, same as financial situation and choice. Decision you make today will make huge difference to your future. That’s why we are here, helping you get ready for today and plan for tomorrow. We take time to listen to your needs, assess your financial ability, structure the right loans and help you to make decision that you will not regret in the years to come.
We care about our clients.
We value our clients’ trust, and strive to build long –lasting relationship with our clients.
We are paid by the respective lender, our service to you, is a complimentary service. We do not charge fees for credit or structure advice or to find you the suitable deal each and every time. Annual reviews of your loans are at no cost either.
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At RealWay Finance, we dream your dream.
We provide mortgage broking services to property investors and home buyers. We help, advise and empower our clients along the journey of property investing, through our professional knowledge, hands-on experience and real passion.
RealWay, your way, our way.
Junmin (Eric) Wu
Director, Mortgage Broker at RealWay Finance Pty Ltd
Junmin (Eric) WU is a credit representative (490993) of Mortgage Specialists Pty Ltd (Australian Credit Licence 387025)
MFAA Full Member Number 304158
Services
Property Investors
Assisting property investors reach their goals
At RealWay, we are investors ourselves so we understand the journey you're on.
We take the time to understand your goals, and your strategies to get there through property investing. We find the right loans and structure them correctly to suite your strategies.
Home Buyers
The best loans and rates for your needs
Every home owner is different. We make sure we understand your needs in a home loan for your unique situation. This could be fixed, variable, a mixture or just the loan with the lowest interest rate. We make sure we advise you on your options and what will be of greatest benefit to you now - and in the future.
Refinancing
Save on your current rate or access your equity
We do complimentary checks on your loan(s) to see if you can get a better loan product, access equity or should change banks to get a better deal.
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latest news and insights
Here's what's going on in the world of finance and property.
Latest Mortgage Brokers New financial year, new reasons to review your home loan
As the calendar flips over to July, now’s a good time to give your home loan a once-over. We look at five strategies that could help you save on interest and pay off your mortgage sooner.
Withthree rate hikes already this year, and abig variation in ratesbetween lenders, it’s worth checking you’re not paying too much interest on your mortgage this new financial year.
The hard part can be knowing how or what to weigh up. Here are 5 things to consider.
1.Review your loan rate
Not sure about the rate you’re paying? You’re not alone.
Overone-in-two home loan borrowersare in the dark about their mortgage rate.
Not knowing this number can be an expensive oversight.
So, grab a copy of your latest loan statement or jump onto your banking app. You’ll usually find your current rate under your account details.
As a guide to how your rate shapes up, theaverage variable rate now is about 6.45%.
The thing is, there are still some lenders offering home loanrates that start with a ‘5’or a low ‘6’.
If you’re not happy with the interest rate you’re paying, call us to find out how much you could save by refinancing.
2.Check your loan has the features you need
Loans can come with a variety of features that may help you save on interest, and pay down your mortgage sooner.
However, having access to these features may mean paying aslightly higher interest rate.
If you’re not making use of them all, switching to a lower rate ‘basic’ loan could see you save.
3. Add up the fees you’re paying
While it’s natural to focus on your interest rate, it’s also worth keeping an eye on home loan fees. They can really add up over time.
Around14% of loans still charge monthly fees, and where they apply, these fees can be as much as $15 a month.
Talk to us if you’re being slugged with a monthly fee. It’s an additional cost you may be able to avoid by moving to a different loan.
4. How does your loan shape up for flexibility?
Home loan flexibility is all about how well your mortgage can adapt to changes in your circumstances or lifestyle.
This can include being able to make extra repayments, and enjoying fee-free redraw if you need to draw the money back out for unexpected bills.
Is your loan flexible enough to be split between a variable rate (to benefit from any rate falls) and a fixed rate (for repayment certainty)?
Or, is your loan portable? This may give you the flexibility to transfer your mortgage from your old home to a new place if you move, letting you avoid the cost of setting up a new loan.
5. Is your lender still showing you love?
Great service doesn’t just mean a quick call to check that everything is going smoothly with your home loan.
It’s also about rewarding your loyalty as a home loan customer. And that doesn’t always happen.
According to Canstar, an owner-occupier who took out a loan five years ago and hasn’t renegotiated since, is likely to bepaying a rate of 6.98%.
Yet many lenders are offeringvariable rates below or just about 6.0%.
Despite the potential for savings,more than half (52%) of Austrslian home loan borrowershave never changed lenders.
If that sounds like you, call us to see if you’re paying a home loan loyalty tax simply by sticking with the same lender.
Head into the new financial year confident about your home loan
A home loan review shouldn’t take too much time out of your schedule.
Contact us today about a home loan health check. It could help you hit the new financial year running.
Disclaimer: The content of this article is general in nature and is presented for informative purposes. It is not intended to constitute tax or financial advice, whether general or personal nor is it intended to imply any recommendation or opinion about a financial product. It does not take into consideration your personal situation and may not be relevant to your circumstances. Before taking any action, consider your own particular circumstances and seek professional advice. This content is protected by copyright laws and various other intellectual property laws. It is not to be modified, reproduced or republished without prior written consent.
