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LIFT LENDING – MORTGAGE BROKERS

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About us

Lift Lending provides access to the latest and most comprehensive list of products and services to best meet your financial needs. We specialise and are passionate about helping clients achieve their financial goals whether it be for first home buyers, financing or investment. This means taking the time to understand your short and long term goals with your life aspirations to negotiate the right finance options for your needs from the hundreds that are available. We will support you throughout the process and will work with you long after your loan has settled to make sure you are still getting the best value and most suitable loan for your ever changing lifestyle and goals. We have access to platforms and expertise from various groups including Mortgage Australia Group, AFG and our extensive list of industry specialists. If you want to become mortgage free faster and easier and to discuss or review your loan requirements call on the details below. Start saving today!

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How we can help you?

Via our access to a diverse and comprehensive list of products and services

Working out your needs and requirements should not be rocket science How many times has the thought of trying to get a better structure to your financial requirements seem too overburdening? People often tend to leave this or put it in the ‘too hard basket’.  Whether you are new to the market, trying to simplify or find a better product or rate, we can provide the assistance that better meets the needs of your portfolio. We can provide access to assistance in determining your serviceability and portfolio needs through our extensive brokerage platform we use. By entering in your specific needs into the tools, we can help narrow down the products and rates that best suit your needs. The platforms we use help minimise the amount of rework when applying for different products through different institutions, saving you time.

Do you have a low deposit?

Have you got only a low deposit or are new to the market? – We can help.

Need to work out your overall loan size and see what is available?

How much can you borrow against your assets and find the best product for your needs. – We can help.

Not sure if you can service a new loan?

Not sure if your income can allow you to service the loan for your needs, whether it is a new house or your portfolio of loans? – We can help.

Meet your needs

We strive to find the products and services that best meet your needs – always.

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Our Team

Sandra

Specialist Mortgage Broker / Partner

Peter

Partner

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Testimonials

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Latest News

News from our social media feed

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Sandra & Peter Erdel - Lift Lending Peakhurst

Sandra & Peter Erdel - Lift Lending Peakhurst

www.liftlending.com.au Provides mortgage and lending product support to meet personal and investme

Sandra & Peter Erdel - Lift Lending Peakhurst

2 days ago

Sandra & Peter Erdel - Lift Lending Peakhurst
Introducing 5 great reasons to invest in property today:Do you sometimes listen to those seasoned property investors and wonder how they got started? It's quite simple actually - they probably started with just one investment property. Anyone can realise the dream of achieving your financial goals through property investment. If you're not sure why you would want to get involved, here are the five best reasons:1. Financial IndependenceNow, more than ever, it's important to make sure you have steps in place if you want to live comfortably in your retirement. The retirement age seems to be increasing, and people are no longer able to rely on the aged pension as a sole source of income.If you start now you can build a property investment portfolio that will provide you with financial independence - whatever that means to you.For some people that means one investment property that provides a rental return. For others, it means building a veritable monopoly of investment properties in an apparent bid to conquer the universe.2. Take control of your own investmentsThe great thing about investing in property is that you're completely in control of what you purchase, and you can take steps to ensure that you give yourself the best chance of achieving excellent capital growth or rental return figures.The problem with investing in shares and superannuation is that you aren't able to control fluctuations in the market - your role is very passive.3. Grow your portfolio as your equity increasesOnce you start investing in property, it's sometimes difficult to stop. One investment starts to grow which allows you to purchase another, and before you know it you have a nice little collection of properties making money for you.4. Capital GrowthIf you choose wisely, you should be able to achieve strong capital growth on your investment properties. The key is to choose the right type of property in the right area. This might not be an area where you would choose to live - it just needs to be an area with lots of potential for growth.5. Rental IncomeIf you hope to achieve a good rental income from your investment properties, you should purchase carefully, and keep your ideal tenant in mind. If you like the idea of renting to students, make sure you look in areas near a university or very near to public transport. If you would prefer to rent to a family, schools, shopping centres and parks might be more important.But decide what's most important first: capital growth or rental return. You might not always get a great rental return in an area that has a high level of growth. ... See MoreSee Less

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Sandra & Peter Erdel - Lift Lending Peakhurst

6 days ago

Sandra & Peter Erdel - Lift Lending Peakhurst
Buying or selling - or even just thinking about it?We may not have met in person yet, but I thought you would appreciate knowing that I'm always quoting and arranging home loans for people across our suburb.If you are even remotely thinking about buying or selling, or you are just not sure what your home is worth and how much you can borrow, why not ask me to help you work it out? That way you will know exactly what you can do...and it doesn't cost anything either!I have access to home loans for just about everyone and every situation so please try me out. It usually only takes a few minutes and the privacy act ensures our conversation is entirely confidential.A cuppa and a chatIt could be as simple as that. ... See MoreSee Less

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Sandra & Peter Erdel - Lift Lending Peakhurst

1 week ago

Sandra & Peter Erdel - Lift Lending Peakhurst
If you are a first home buyer - know what you are entitled to:First home buyers have a range of different entitlements and concessions they may be eligible for. They differ from state to state, and often are dependent on the value of the home you are buying.There are also various ways that first home buyers can be helped by family members to get into their first home - not just by lending money towards a deposit - which can possibly save thousands in fees when done the right way.For more details about the ever changing government incentives, read my guide - "Know your entitlements". www.mortgageaustralia.com.au/email/files/knowyourentitlements.pdf ... See MoreSee Less

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Sandra & Peter Erdel - Lift Lending Peakhurst

2 weeks ago

Sandra & Peter Erdel - Lift Lending Peakhurst
A reverse mortgage definitely is not for everyone, and you certainly need to be aware of the risks.But in the right circumstances, it can be a good way to boost your income in retirement.A reverse mortgage is for people over 60 and allows you to borrow money using the equity in your home as security. The loan can be taken as a lump sum, a regular income stream, a line of credit or a combination of these options.While no income is required to qualify, credit providers are required by law to lend you money responsibly so not everyone will be able to obtain this type of loan.Interest is charged like any other loan, except you don't have to make repayments while you live in your home - the interest compounds over time and is added to your loan balance. You remain the owner of your house and can stay in it for as long as you want.You must repay the loan in full (including interest and fees) when you sell your home or die or, in most cases, if you move into aged care.Some of the risks:- Interest rates are generally higher than average home loans- The debt can rise quickly as the interest compounds over the term of the loan - this is the effect of compound interest and is something you need to be aware of before making any decisions- The loan may affect your pension eligibility- You may not have enough money left for aged care or other future needs- If you are the sole owner of the property and someone lives with you, that person may not be able to stay when you die (in some circumstances)- If you fix your interest rate then the costs to break your agreement can be very highOn 18 September 2012, the Government introduced statutory 'negative equity protection' on all new reverse mortgage contracts. This means you cannot end up owing the lender more than your home is worth (the market value or equity).To find out more, have a look at the this Government webpage which explains things in more detail:www.moneysmart.gov.au/superannuation-and-retirement/income-sources-in-retirement/home-equity-rele... www.moneysmart.gov.au/superannuation-and-retirement/income-sources-in-retirement/home-equity-rele... ... See MoreSee Less

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Sandra & Peter Erdel - Lift Lending Peakhurst

2 weeks ago

Sandra & Peter Erdel - Lift Lending Peakhurst
Avoid these 7 common home buying blunders. Your home is likely to be the biggest purchase you make, so it's something you want to get right. Mistakes can be stressful and costly. Here are the biggest ones buyers make and some tips to help you avoid them.1) Letting your heart rule your head.It's often easy to be dispassionate about an investment property but when it comes to your own home, emotions can run high.Buyers often make the mistake of falling for features in a home or loving a certain location, only to find, once they move in, they have compromised on what they really need.Arm yourself with a list of non-negotiables - the features you simply must have now or soon down the track, such as extra bedrooms for a growing family, office space for a home business or proximity to public transport. If a property doesn't tick all of your must-haves, keep hunting.You should also decide whether or not you want to renovate or have a lot of time for maintenance. Heritage properties can win over hearts but often require deep pockets and lots of upkeep. Similarly, a fixer-upper in your price range and preferred location may end up being a money pit you can't really afford.Look beyond fancy fit-outs and styling - the furnishings will go with the vendors.Stick to the buying basics - location, price, layout and condition - to decide if the property is right for you.2) Believing the selling agent is working for you.Real estate agents are paid by the vendor with commission from the sale. The higher the sale price, the more they put in their pocket.Don't fall for sales spiels that tempt you to spend more than you can afford or settle for a property that doesn't meet your needs.Some buyers are levelling the playing field by hiring their own agents to find a property and negotiate the sale. Fees for buying agents vary, but generally they charge for their time, plus take a commission from the sale. If you have no time to house hunt, it may be worth the extra cost.3) No homework.There is no such thing as too much research when it comes to property. You should set aside several weeks to get around to as many properties as possible, narrowing your search to three target suburbs when you are ready to buy.Check out recent sales of comparable properties in the area and build on this research as you go, keeping in mind property prices can move fast in a boom. You should also find out if there are any amenities and infrastructure planned for the area, such as new roads, public transport, hospitals or schools, which can boost real estate prices.Another key question is how long the property has been on the market.If looking for an investment, research rents and what the area has to offer tenants, such as a lively restaurant or cafe scene and reliable public transport.4) Starting the hunt without loan approval.Knowing how much you can afford will take a lot of stress out of your search. A pre-approved loan sets a boundary so you can focus on properties in your price range and gives you peace of mind that you will be able to move fast when you find the right one. Your broker is the person to speak with to make sure you have this all in place.5) Buying beyond your means.It can be tempting to stretch your budget for what seems like the right property, especially if interest rates are as low as they are now. But rates are cyclical and what goes down, eventually goes up. If you are extending to afford a property while interest rates are low, you are going to struggle to make your mortgage payments when they start to climb. It's wise to calculate your repayments should rates rise by two to three per cent and build that reserve into your budget. That way, you have some comfort when the cycle eventually turns.6) Not getting the property inspected.According to NSW building advisory service Archicentre, only one in 10 buyers gets a professional building and pest report on a property before they buy it. Most inspections cost a few hundred dollars, a small price to pay for peace of mind on a purchase as significant as a home.A licensed inspector can check for pests, such as termites, and building flaws or issues, such as wood rot or rising damp, all of which have the potential to cause costly dramas if unchecked.Always ensure the sale contract is subject to getting the all-clear on the building inspection. If something surfaces, you can either back out of the purchase or negotiate a lower price to compensate for the required repairs.7) Not getting the sale contract checked.The contract you sign when you hand over a deposit is legally binding, so have it scrutinised by a lawyer or conveyancer. They will check it for any sale or zoning conditions that could disadvantage you, such as restrictions, or covenants that may be imposed. A lawyer or conveyancer can also check property documentation, such as sewer diagrams, to make sure there are no issues with any renovation or extension plans.Your legal expert can also help adjust the contract terms for your benefit, such as negotiating a longer settlement period if required. ... See MoreSee Less

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Credit services provided by Credit Representatives of: Mortgage Australia Group Pty Ltd, Australian Credit Licence 377294

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