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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
How to take advantage of a buyer's market:One of the keys to success in the property market is TIMING.So how do you know when the time is right to step up on the property ladder?For the answer, download our guide to "Taking Advantage of a Buyer's Market". www.mortgageaustralia.com.au/email/files/takingadvantageofabuyersmarket.pdf ... See MoreSee Less

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Sandra & Peter Erdel - Lift Lending Peakhurst

2 days ago

Sandra & Peter Erdel - Lift Lending Peakhurst
Drive away in your dream car with a low cost car loan. ... See MoreSee Less

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Sandra & Peter Erdel - Lift Lending Peakhurst

4 days ago

Sandra & Peter Erdel - Lift Lending Peakhurst
Speak to me about finance for your greener home. ... See MoreSee Less

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Sandra & Peter Erdel - Lift Lending Peakhurst

5 days ago

Sandra & Peter Erdel - Lift Lending Peakhurst
Discover how to turn your home equity into a better retirement for you.If you have equity stored away in your home, now could be the perfect time to tap into it for an investment property.Equity is simply the difference between the value of your home and what you owe on it. If you have a property valued at $500,000 and owe $200,000 on it, you have $300,000 equity available.There are a few reasons why the time is ripe for home owners to scout out an investment property.Firstly, property prices have flattened across most of Australia in the wake of global uncertainty. However, key indicators in the US now point to a recovery there, which our market is likely to follow, especially given our strong economy. So, not only is now a buyer's market but there's a good chance of capital gains in the first few years of ownership.Secondly, interest rates are low. After the recent drop in official rates, there is strong speculation they won't dip further in the short term.Thirdly, we still have a housing shortage here in Australia, which continues to drive low rental vacancy rates. That means good properties rent easily.So, where to begin?Start with a visit to your local Mortgage Broker to get a rough idea of what you can borrow. Your broker can estimate your equity, talk through the types of loans available and give you a rough idea of repayments. Then you will know what you can afford before you start looking at properties.You can also do some rough sums beforehand with some of the calculators on our website.A broker can find the right loan for your circumstances and shop around for the best deal. One of the most popular products among property investors is a line of credit. It acts like a big overdraft at a home loan rate, giving you instant access - as a rule - to up to 80% of the equity in your home. Interest is only paid on the funds you use. It's a very elastic, convenient product. But one word of caution: you need to be disciplined with your cash flow. Easy access to equity can be a temptation for many borrowers to spend up big on depreciating assets that offer no investment value and only add to your overall debt.Capital gains or rental return?You should decide whether you want strong rental returns or decent capital growth over the next several years on your investment. If you are in a high tax bracket and looking to create a tax advantage through an investment loss, you will be looking for capital gain.First-time investors looking to establish a portfolio of properties should also be aiming for capital growth over the next five or so years, as this will establish equity for the next property purchase. However, some investors are not in a hurry for capital growth and prefer their property to be cash positive or neutral from the get go. If that's the case, consider a property in one of the areas with a long-term future in resources, where rents reflect a shortage of housing. Just keep in mind that although the resources sector has a strong future, based on global demand, your investment is entirely dependent on the continued success of one industry.Right now, the bottom line is that there's potential for both decent capital gains and rental returns for property investors who chose the right property in the right location.Find the right propertyThe first rule is to invest in property with your head and not your heart. Remember, you are not buying a home or apartment to live in yourself.Savvy investors look for properties:- Close to public transport and other amenities, such as shops or schools, especially in-demand public schools that only accept students in their local catchment.- That are low maintenance and well maintained.- In areas with good potential for capital gains.- In areas with low rental vacancy rates.Another tip for first-time investors is to stick to familiar turf. It could be near where you live now, where you grew up or previously lived, where you have friends or family or near where you work. Not only are you more likely to feel comfortable investing in a familiar area but you can keep an eye on local trends and the property itself.You should also find out whether any major infrastructure projects are slated for your target area. New roads, public transport and major developments, such as hospitals, can add significant value to rental properties. Visit www.infrastructureaustralia.gov.au for links to the major planning departments in each state.Managing your investment - and your tenantsLike all investments, rental properties need to be managed. You can be landlord and property manager in one, or pay a professional property manager. If you are busy or live some distance from the property, your money will be well spent on a reputable, reliable manager.For a small monthly fee (generally 6 to 9% of rent), a good manager will vet prospective tenants, ensure the property is looked after, make sure rent is paid on time, arrange repairs and maintenance and recommend appropriate rent increases. Ask for referrals from other investors and look for an agent who specialises in property management, rather than sales, so you know your rental will not be second fiddle to other activities. You should agree on what your property manager can authorise automatically when it comes to repairs.It's also important you keep tabs on the local property market to track the equity you build over time, which not only adds to your wealth but could be used towards your next investment property. ... See MoreSee Less

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Sandra & Peter Erdel - Lift Lending Peakhurst

5 days ago

Sandra & Peter Erdel - Lift Lending Peakhurst
How many ways can you buy a swimming pool?Question: How many ways can you buy a swimming pool?Answer: At least 8 different ways that I can think of.And not all of those ways may be suitable for everyone - here is my list.Not everyone wants a swimming pool either. But perhaps a new car, maybe a boat, a motorbike or a decent holiday? A caravan or a new garage? An aeroplane even?Doesn't really matter what it is, but if you need to spend a serious amount of money, it may be worth looking at some of the things you can do with your home loan to facilitate your new purchase. You see, 6 of those 8 different ways I mentioned actually involve your home loan, so it's probably worth a look first, just to make sure.That's where I can help. It doesn't cost anything to check out what would work for you, and then you can actually make an informed choice.The least I can do is point you in the right direction and the privacy act ensures our conversation is entirely confidential.What do you think?Contact me and we'll see where you stand. www.mortgageaustralia.com.au/email/files/8waystobuythatpool.pdf ... See MoreSee Less

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Contact

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

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We are located in Sydney, servicing any clients around Australia

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