Bay Home Loans | Bay Home Loans

home,page-template,page-template-full_width,page-template-full_width-php,page,page-id-298,,qode-title-hidden,qode-theme-ver-10.1.1,wpb-js-composer js-comp-ver-5.6,vc_responsive

About Me

A trusted, professional mortgage broker ready to help you.

More Details

Calculators

Use our mortgage calculators to find out how much you can borrow.

THESE TOOLS GIVE YOU A BETTER INSIGHT INTO HOW THE BANKS MAY VIEW YOUR LOAN APPLICATION.

More Details

/ 5 / 5

About Me

Whether you are considering buying or refinancing, if you are a first time home buyer or an experienced investor, Bay Home Loans is here to help you. Based in Cronulla I look after clients in the Sutherland Shire & beyond, my business has grown through word of mouth from many happy customers & I look forward to assisting you, please do not hesitate to call or message me on 0403 630 831

Hilary Smith
Finance Broker Dip.Fin.Serv. (FMBM) JP

M: 0403 630 831
E: hilary@bayhomeloans.com.au

With over 20 years experience in the industry & access to over 40 funders, I pride myself on being able to offer my clients professional friendly & confidential advice using all the knowledge I have gained over the years and you can be assured you will receive the best advice and recommendations for your finance needs.

Hilary took care of all our home loan needs. She understood clearly what we needed to achieve and provided several options. She is very knowledgeable and gave great advice. I have already highly recommended her services to family and friends.
Lorraine - Miranda

Services

There are a number of products on the market and it is important that you find a solution that best suits your needs and serviceability. I pride myself on our ability to get your loan settled! and have extensive experience in all things lending, including:

First Home Buyer

A home buyer can obtain financing (a loan) either to purchase or secure against the property from a financial institution via a mortgage broker (that’s what we do!). Features of mortgage loans such as the size of the loan, maturity of the loan, interest rate, method of paying off the loan and other characteristics can vary considerably. It’s always best to speak with a mortgage broking professional to determine the loan that is right for you.

Investment Loans

Investment Loans allows you to make the most of your assets! An investment plan is one that works toward building your wealth and securing your financial freedom. For some, the future may seem a long way off, but the time to act is now because the future waits for no one. The housing market is generally a seven to ten year cycle: there are always highs, lows and steady patches.

Commercial Loans

Due to expensive upfront costs and regulation related hurdles, smaller businesses do not typically have direct access to the debt and equity markets for financing purposes. Therefore, they must rely on financial institutions to meet their financing needs. Commercial Loans are renewable loans used to finance a company’s immediate working capital needs. These can be large or small scale and usually operate short-term.

Standard variable & fixed rate loans

The variable rate loan offers more features and flexibility than the basic or “no frills” loan, so the rate is usually slightly higher. Fixed rate loans are set at a fixed rate for a specified period – usually one to five years. The advantage of allowing you to organise your finances and repayments without the risk of rising interest rates is offset by the disadvantage of not benefiting from a drop in rates.

Honeymoon Loans

A loan with lower repayments for the first six to twelve months is often called a Honeymoon Loan. After the ‘honeymoon’ the loan becomes a standard variable loan and the repayments increase. Make sure that you can meet the higher repayments for the remainder of the loan. You could also be faced with a fee at the end of the honeymoon period to switch to another loan type.

Bridging Loans

A bridging loan may be necessary to cover the financial gap when buying one property before the existing one is sold. This finance is generally secured against your property as you are utilising the equity in your existing property. Usually, bridging loans are short term and more expensive than other types of loans.

Insurance

I also specialise in helping you secure your loan and financial freedom by offering risk and life insurance. Through our valued partnership arrangements, I am able to offer my clients a range of different insurance opportunities. This service offers free consultation and even if you are happy with your current insurer for your home, business or any other insurance requirement, call the office for a second opinion on price and cover.

Why Choose Me

Whether you are a first home buyer or a seasoned investor, I am committed to providing you with the right home loan to meet your needs. Along with providing great interest rates, unlimited additional deposits and redraw facilities, I will provide you with customer service that you will value for the life of your loan.

Industry leading customer service is what sets me apart from other home loan providers. My commitment to you, the borrowers:

I will be easy to do business with
You will talk to a real person
I will get back to you
I will go the extra mile, every time
I will listen to what you want
I will provide a home loan that suits your needs
I will provide attractive interest rates
I am here to serve you and you will be 100% satisfied with my service

Not only that, I am qualified and fully compliant. You can feel confident that you are in safe hands and we will find the loan that’s right for you.

Hilary is very professional with her clients best interests a priority. She made the process as simple as possible and clearly explained everything making the process as stress free as possible. Thank you.
Joy - Sylvania

Calculators

Use my mortgage calculators to find out how much you can borrow. I’ve designed these calculators to help give you a better insight into how the banks will view your loan application.

The information provided by the calculator is intended to provide illustrative examples based on the stated assumptions of your input.

Results are a guide only and do not constitute financial advice or a guarantee of an outcome. You should always discuss your individual circumstances with a representative of Bay Home Loans.

Hilary took care of all our home loan needs. She understood clearly what we needed to achieve and provided several options. She is very knowledgeable and gave great advice. I have already highly recommended her services to family and friends.
Lorraine - Miranda

Contact Me

When I help you with your borrowing needs, I consider you to be a client for life. I want you to be confident that you are working with someone who has your best interests in mind now and in the long term.

I have many years’ experience in finance and mortgage broking. My aim is to find you the right loan for your needs, and make the process as simple and transparent as possible! Please get in touch with me today.

CONTACT INFORMATION

Address: 255B Woolooware Road,
Burraneer, NSW, 2230
Phone: 0403 630 831
Fax: 02 9544 4334
Email: hilary@bayhomeloans.com.au