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DASHT 
SIMPLIFIES THE 
PROCESS

Whether you are purchasing your first home, buying an investment property, refinancing, renovating or consolidating your debt, you should consider talking with DASHT.

Meet up with Dasht Mortgage Brokers for insight today!

Investment

What types of properties should I consider for investment?


You can consider residential properties, commercial real estate, or rental properties. Each has its advantages and risks, so it’s important to assess your goals and market conditions before making a decision.

How do I finance an investment property?

here are several financing options available, including traditional mortgages, hard money loans, and private lenders. We can help you explore the best financing solutions based on your financial situation and investment strategy.

How can I minimize risk when investing in real estate?

To minimize risk, consider diversifying your investment portfolio, conducting thorough market research, and working with professionals, such as real estate agents and financial advisors.

What is the best time to invest in real estate?

The best time to invest can vary based on market conditions, interest rates, and personal financial readiness. Keeping an eye on the market trends and having a solid plan in place can help you identify the right timing for your investment.

Refinancing

What is refinancing, and how does it work?


Refinancing involves replacing your existing loan with a new one, usually to secure a lower interest rate, reduce monthly payments, or change the loan term. The process typically includes applying for a new loan and paying off the old one.

When should I consider refinancing?

You might consider refinancing if interest rates have dropped since you obtained your original loan, if your credit score has improved, or if you want to tap into your home’s equity for other expenses.

What are the costs associated with refinancing?

Common costs include closing fees, appraisal fees, and potentially points on the loan. However, We can help you assess whether the long-term savings outweigh these costs.

How long does the refinancing process take?

The refinancing process can take anywhere from a few weeks to a couple of months, depending on the lender and your specific situation.

Self-Employed

Can I qualify for a mortgage if I’m self-employed?


Yes, you can qualify for a mortgage as a self-employed individual! Lenders typically look at your income stability and financial documentation, so having clear records of your earnings is essential.

What documents do I need to provide?

You’ll usually need to submit tax returns for the past two years, profit and loss statements, bank statements, and any additional documentation that demonstrates your income stability. I’ll guide you on what’s required for your specific situation.

How do lenders calculate my income?

Lenders often average your income over the past two years, taking into account your business expenses. They may also consider your profit and loss statements to assess your current financial health.

What are the best mortgage options for self-employed individuals?

Many lenders offer specialised mortgage products for self-employed borrowers, such as stated income loans or bank statement loans.

Doctor Home Loans

What is a doctor home loan?


A doctor home loan is a specialised mortgage product designed specifically for medical professionals. These loans often come with benefits such as lower down payment requirements, reduced mortgage insurance, and flexible income verification.

How do I apply for a doctor home loan?

The application process is similar to that of a traditional mortgage. You’ll need to provide documentation of your income, employment, and financial history. I’ll guide you through the application process to ensure you have everything in order.

What are the benefits of a doctor home loan?

Benefits may include lower down payment options, competitive interest rates, no private mortgage insurance (PMI), and more flexible qualifying criteria. These features can make home ownership more accessible for medical professionals.

Can I use a doctor home loan to purchase an investment property?

Most doctor home loans are primarily designed for primary residences, but some lenders may allow you to use them for investment properties. It’s essential to discuss your options with a lender who specialises in doctor home loans.

Renovation

What is a renovation loan?


A renovation loan is a type of financing that allows you to borrow money to purchase a home and cover the costs of renovations or improvements. It’s ideal for buyers looking to update a property or for homeowners who want to finance their remodeling projects.

What types of renovations can I finance with a renovation loan?

You can typically finance a wide range of renovations, including kitchen and bathroom remodels, roofing and siding repairs, room additions, and landscaping improvements. Just be sure to check with your lender for specific guidelines.

How does the renovation loan process work?

The process generally involves applying for the loan, obtaining estimates for your renovation projects, and having those costs included in your loan amount.

Do I need to have my renovation plans approved before applying?

While you don’t need detailed plans at the initial application stage, it’s beneficial to have estimates and a clear vision of your renovation goals.

Construction

How do construction loans work?


Construction loans are usually disbursed in stages as the work progresses, based on a predetermined schedule. You'll pay interest only on the amount disbursed, and once the construction is complete, the loan can be converted into a traditional mortgage.

What documents do I need to apply for a construction loan?

You’ll need to provide plans and specifications for the project, a budget, proof of income, and possibly a construction timeline. Having a reliable builder or contractor on board can also strengthen your application.

How long does the construction loan process take?

The timeline can vary, but the process generally takes several weeks to a few months, depending on the complexity of the project and the requirements.

Can I use a construction loan for renovations?

Yes, many lenders offer renovation construction loans for major remodeling projects. These loans work similarly to standard construction loans and can cover costs related to significant updates or expansions of an existing home.

Specialist Lending

What is specialist lending?


Specialist lending refers to tailored financial solutions designed for borrowers with unique circumstances that may not fit traditional lending criteria. This includes self-employed individuals, those with non-standard income, or borrowers seeking unique property types.

What types of loans fall under specialist lending?

Individuals such as self-employed professionals, investors, and those with complex financial situations can benefit from specialist lending. It’s ideal for anyone who may struggle to secure financing through standard lenders.

How do I know if specialist lending is right for me?

If you have a unique financial situation, irregular income, or if you’re looking to invest in non-traditional properties, specialist lending could be a suitable option.

What is the application process for specialist lending?

The application process may differ from traditional lending, often requiring alternative documentation or a more detailed explanation of your financial situation.

Take the First Step in Getting the Right Loan

1
ASSESS YOUR FINANCIAL SITUATION

Let’s start by taking a good look at your finances together by understanding your income, expenses, and goals, we can create a solid plan to help you find the right loan that fits your needs.

2
LOOK FOR THE RIGHT LOAN TYPE

At this stage, it’s essential to explore the various loan options available to you, We will guide you in identifying the loan that best aligns with your needs and financial goals.

3
LOOK FOR THE RIGHT BROKER

Finding the right broker can make a significant difference in you loaning experience. We can help you connect with a knowledgeable broker through the process and secure the best options for your financial situation.

4
GET YOUR LOAN SUCCESSFULLY

Achieving loan approval is within reach! We will guide you through entire process, from gathering the necessary document to finalising your application, we will secure your loan smoothly.

Dasht Pty Ltd T/A Dasht ABN 90 665 645 296. Credit Representative 491272 is authorised under Australian Credit License 384704. Your full financial situation would need to be reviewed prior to acceptance of any offer or product.

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