Cutting Edge Finance
MORTGAGE BROKERS HERE TO HELP YOU REACH YOUR FINANCIAL GOALS
ABOUT US
At Cutting Edge Finance, we strive for excellence in all that we do and look forward to assisting you in reaching your finance goals. We believe that loan products and the loan process should be easy to understand, easy to access and allow you peace of mind.
You should think of us as a professional resource in the same way you think of your accountant, financial planner or solicitor. You can rely on us to always have your best interest put first. We continue to support the families and entrepreneurs of Mackay and Isaac regions, keeping our locals financially savvy.
When you call Cutting Edge Finance, you will speak to a real person. We will guide you through your loan process, providing you with helpful information and we will support you every step of the way. Please contact one of our friendly team members to get you started on your financial journey today!
Luke Curtis
Director & Head Broker
M: 0407 453 409
E: broker@cutfinance.com
BEd | BPsych | Dip. FMBM (Mortgage Broker) | Auctioneer | Realestate Agent | C.dec
After 10 Years in the Real Estate industry; the confusion around finance showed me the difficulties many families faced in achieving their goals. Cutting Edge Finance was created to help eliminate this confusion.
Naomi Walton
Case Manager
M: 0458 773 002
E: admin@cutfinance.com
Dip. FMBM (Mortgage Broker) | Real Estate Agent | Cert III Business | C.Dec
With a background in Real Estate, Finance and Business Management Naomi understands the needs for our clients and is ready to assist at every point of the transaction.
Ella Toonen
Administration
M: 0487 921 779
E: hello@cutfinance.com
Real Estate Agent
New to this industry, Ella is raring and ready to assist with all things real estate and finance. With a background in team management, Ella has the collaboration and communication skills to help our clients every step of the way.
SERVICES
There are hundreds of loan products on the market today and it is our job to help you find the right solution to suit your individual needs and current financial situation.
Have a look below to see what kind of services we offer, and call us to discuss your specific requirements. We always look forward to discussing these with you and assisting you to reach your financial goals.
SUPPORTING FIRST HOME BUYERS
Just starting out and not sure what kind of loan you need? No worries! We are here to help. As a first home buyer, you can obtain finance (a loan) from a financial institution either to purchase or secure against a property, with our assistance. The size of a loan, maturity of the loan, interest rate, method of paying off the loan and other characteristics can vary considerably between different loan types. It’s always best to speak with a professional mortgage broker to discuss your options in selecting which would be best for you. We can also help you determine your eligibility and apply for the First Home Owner’s Grant.
INVESTMENT LOANS
Investment loans are structured in a specific way to allow you to make the most of your assets and finances. This helps determine how much you can afford to spend in funding your new project. We can work with your financial planner and accountant to ensure your loan is set up to meet your specific needs, and we have access to competitive loan options that can help you maximise your investment returns.
COMMERCIAL LOANS
Commercial property and business lending policies and interest rates are rarely found on lender’s websites. Unlike residential home loans, the pricing of a commercial loan can be negotiated based on your background in business and the security to be offered. If you need help to refinance or purchase commercial property, just contact us today and we will be happy to help.
STANDARD VARIABLE & FIXED RATE LOANS
The variable rate loan offers more features and flexibility than the basic fixed rate loan, so the rate is usually slightly higher. Fixed rate loans are set at a fixed rate for a specified period – usually between one and five years. This gives you the advantage of knowing how much your repayments will be, allowing you to organise your finances without the risk of rising interest rates. However, this advantage is offset by the possibility of not benefiting from a drop in rates.
HONEYMOON LOANS
An introductory loan (honeymoon loan) is a loan with lower interest rates or lower repayments for the first six to twelve months. After the ‘honeymoon’ term, the loan becomes a standard variable rate loan and the repayments will change to include the current standard variable interest rate. When taking out a honeymoon loan, it’s important to make sure you can meet the potentially higher repayments for the remainder of the loan. You could also be faced with a fee at the end of the honeymoon period if you want to switch to another type of loan.
BRIDGING LOANS
A bridging loan may be necessary to cover the financial gap when buying one property before your existing one is sold. This finance is secured against the existing property (utilising equity) and the new property being purchased. Usually, bridging loans are short term (normally 6 months) to allow for the sale of the original property and more expensive than other types of loans. There are alternative ways to finance a change from one home to another, so please talk with us to discuss your options.
ASSET FINANCE
Need finance for another large purchase besides your home? You can also ask us to access competitive finance options for private cars and recreational vehicles, commercial vehicles, plant and equipment for your business and other kinds of small business loans for a variety of purposes. These finance options may include personal loans, car loans, a variety of leases, commercial leasing options, chattel mortgages and more.
WHY USE A MORTGAGE BROKER?
The major benefit of using a broker to finance other large purchases besides property is obtaining finance that is tailored to fit your current financial circumstances and needs. With depreciating assets, the right finance can also potentially save you money on interest and fees, or potentially help you maximise your tax benefits.
AND MORE – Not sure what kind of loan you need for your current financial circumstances? That’s our job. We deliver tailored finance solutions chosen from a panel of leading lenders, and give you peace of mind that your loan is working for you. Contact us today to find out all the ways we can help you.
Cutting Edge Finance was founded with one principal in mind. Buying property, becoming an investor and dealing with banks can seem daunting - but it doesn't have to be. We make financing easy by being here for all your finance solutions, weather you are just starting out with your first home, or you are a seasoned investor. We can help you walk through and discuss every aspect of your loan and ensure that you understand the fine details - like interest rates, offset facilities, deposit and redraw. You can rely on us to provide you with the customer service that you will value for the life of your loan, and beyond.
Putting our customers best interest at the forefront of everything we do sets us apart from our competition. Our promises to you, our clients:
- We will be easy to do business with
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You will talk to a real person
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We will get back to you
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We will go the extra mile, every time
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We will listen to what you want
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We will provide home loan options that suit your needs
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We will source competitive interest rates
- We are here to serve you and ensure you will be 100% satisfied with our service.
We have a very dedicated team here at Cutting Edge Finance. When you call us, your queries will be answered by one of our friendly team members. We will put you in contact with one of our in house brokers, who will guide you through your entire loan application or re-financing process and provide you with the assistance and advice you need now and into the future. You can feel confident that you are in safe hands and that we will find the loan that’s right for you.
What Our Clients Are Saying
A Khaidurov
G Turner
Luke has immensely helped me build out the foundations of my property investment portfolio, and optimise the lending of my owner occupier home. He has often gone above and beyond my expectations of a broker and is always quick to respond. A highly professional individual who I highly recommend to anyone who is looking to capitalise on investment expertise.
When we approached Luke it was because he was assisting us with the purchase of our first home as the Real Estate Agent, not broker. Being we had already seen 3 brokers with no one giving the same advise I was overwhelmed, deflated and defeated to say the least. Then comes along covid who threw another spanner in the works. After speaking with Luke about our concerns and where we'd been lead due to previous advise he smiled and said "Guys, we've got this, lets chat. Not only am I a real estate agent but I'm a broker too!" From that moment we had ups and downs but Luke was there for every needy text message I sent or crazy idea phone call I made. Fast forward 4 months, we settled. Purchasing our first home we'd dream't of, with so many plans now coming to fruition. We can not thank Luke enough for all the time, energy and effort he put into helping us achieve our goal. So thanks again for helping us into the next chapter of our life Luke. The Barron's
Luke has been phenomenal to deal with! From the first phone call through to settlement. He is honest and practical and always willing to help. I could call/email him several times a day with numerous questions and it never seemed to be a hassle. I would 10/10 recommend Luke especially for first home buyers, he makes everything seem so simple. Thank you Luke for all your hard work and help it means alot!!
RESOURCES
WE ARENT ONLY MORTGAGE BROKERS BUT WE'RE PARTNERED IN REALESTATE TOO!
Want to know what your property is worth? Fill in the form below and we will keep you updated on your property value with quarterly CMA's.
What is a CMA?
The analysis considers the location, age, size, construction, style, condition, recent sales and listings in your area and many other factors to give you the best comparison and determine the value of your home.
A CMA is always an estimate, but if you would like a more definitive valuation of your property, contact us today and we would love to get Luke in to do a full appraisal of your home.
CALCULATORS - COMING SOON!
Use our mortgage calculators to estimate how much you can borrow. We’ve designed these calculators to give you a better insight into how the lenders 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 any guarantee that you will be approved for a loan by a lender. You should always discuss your individual circumstances with a representative of Cutting Edge Finance before placing your deposit or purchasing any property.
CONTACT US
Our team here is Cutting Edge. When we help you with your borrowing needs, we consider you to be a client for life. We want you to be confident that you are working with professionals who have your best interests in mind - now, and in the long term.
We have many years of experience in finance and professional mortgage broking. Our aim is to find you the best loan for your needs, and to make the process as simple and transparent as possible, get in touch with us today.
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CONTACT INFORMATION
Location: Upstairs Shop 5, 68 Sydney Street, Mackay QLD 4740
Phone: 0458 773 002
Email: admin@cutfinance.com
Office Hours:
Monday to Friday 8.30am - 5.00pm
The privacy of your personal information is important to us. By providing your personal information to Cutting Edge Finance, you consent to be contacted by a representative of Cutting Edge Finance from time to time for marketing purposes. We will use your contact details to send you direct marketing communications including offers, updates and newsletters that are relevant to the services we provide. We may do so by mail or electronically. You can unsubscribe by notifying us and we will no longer send this information to you.
