What does Aidez do?
Aidez is a Melbourne-based mortgage brokering company that helps clients compare and secure suitable home loans, investment loans, refinancing solutions, personal loans, business loans, and vehicle or equipment finance.
Mortgage Broker FAQs
Answers to common questions about Aidez, home loans, refinancing, investment lending and finance options for clients in Melbourne, Beaconsfield and across Australia.
Ask Aidez a QuestionGeneral Mortgage Broker FAQs
How can a mortgage broker help me?
A mortgage broker compares loan products from multiple lenders and helps you find a loan that suits your financial situation, goals and borrowing capacity. Aidez also assists with paperwork, lender communication and loan applications from start to finish.
Does Aidez help first home buyers?
Yes. Aidez provides A to Z support for first home buyers, including guidance on borrowing capacity, pre-approval, loan selection, government grants and the overall buying process.
What types of loans does Aidez offer?
Aidez helps clients with home loans, investment property loans, refinancing, personal loans, vehicle and equipment loans, business loans, SMSF loans and low-doc lending options.
Is there a fee to use Aidez mortgage brokers?
In many cases, mortgage brokers are paid by lenders after settlement, meaning there may be no direct cost to the client. Contact Aidez directly for information specific to your situation.
Home Loan FAQs
How much can I borrow for a home loan?
Your borrowing capacity depends on factors such as income, expenses, existing debts, credit history and deposit amount. Aidez provides borrowing capacity assessments and calculators to help estimate your loan eligibility.
What deposit do I need to buy a home in Australia?
Most lenders prefer a deposit of at least 5% to 20% of the property value. Some buyers may also need to pay Lenders Mortgage Insurance, known as LMI, if the deposit is below 20%.
What is pre-approval for a home loan?
Pre-approval is an indication from a lender showing how much you may be able to borrow before purchasing a property. It helps buyers understand their budget and shop with more confidence.
Can Aidez help with low deposit home loans?
Yes. Aidez can help explore loan options for buyers with lower deposits and explain available lender options and government support schemes.
Refinancing FAQs
When should I refinance my mortgage?
You may consider refinancing if you want a lower interest rate, reduced monthly repayments, access to equity, debt consolidation or better loan features. Aidez compares multiple refinancing products to help clients find suitable options.
Can refinancing save me money?
Refinancing may reduce your interest costs or monthly repayments depending on your financial situation, current loan structure and the new loan options available to you.
How long does refinancing take?
Refinancing timelines vary depending on the lender and documentation requirements, but many applications are completed within a few weeks.
Investment Property FAQs
Can Aidez help with investment property loans?
Yes. Aidez assists clients purchasing their first investment property or expanding their property portfolio by comparing investment loan options and explaining financing strategies.
What is the difference between an owner-occupier loan and an investment loan?
Investment loans are designed for properties purchased to generate rental income or capital growth, while owner-occupier loans are for homes you live in yourself.
Can I use equity to buy an investment property?
Yes. Many investors use equity from an existing property as part of the deposit or financing strategy for another purchase.
Vehicle and Equipment Loan FAQs
Does Aidez offer car loans?
Yes. Aidez assists with vehicle finance for personal and business purposes, including new and used vehicles.
Can businesses get equipment finance through Aidez?
Yes. Aidez helps businesses secure equipment loans and finance solutions for machinery, tools and business equipment.
Personal and Business Loan FAQs
What can a personal loan be used for?
Personal loans may be used for emergencies, travel, medical expenses, renovations, debt consolidation and major purchases.
Can I get a personal loan with existing debt?
Loan approval depends on your income, repayment capacity and credit profile. Aidez can help explore suitable lending options.
What business finance solutions does Aidez offer?
Aidez assists businesses with funding solutions including working capital, expansion funding, equipment finance, cash flow support and commercial lending.
Can startups apply for business loans?
Some lenders offer finance solutions for startups depending on business plans, cash flow projections and financial circumstances.
Trust and Local FAQs
Where is Aidez located?
Aidez provides mortgage brokering services in Melbourne and Beaconsfield, Victoria.
Does Aidez work with multiple lenders?
Yes. Aidez works with a range of lenders to provide access to multiple mortgage and finance products.
What languages does Aidez support?
Aidez can communicate in English and Sinhala.
Why choose Aidez as your mortgage broker?
Aidez focuses on personalised guidance, transparent advice, multiple lender comparisons and ongoing support throughout the loan process.