Welcome to
Integrated Home Loan Solutions
We love getting to know people…understand what it is they want to do and why they want to do it.
It’s our extensive knowledge and experience gained over many years in the industry that then allows us to provide the solutions for them to achieve it.
What’s our reward?
The smiles on their faces.
Services We Offer
We will help you understand:
How much deposit you will need.
How much you can comfortably afford to borrow.
The costs associated with buying your first home.
What a Family Guarantee is and who can provide one.
Government assistance schemes that may be applicable to your situation.
First Home Buyers
We will help you understand:
How much you can comfortably afford to borrow.
Buying and Selling at the same time - how you can do it.
How much equity you have in your current home.
Home Loans
Finding the right construction loan solution for you - not all lenders offer them.
Assist with Progress Payments.
Owner builders.
Construction Loans
Review your current Home Loan - Interest Rates, Fees and Repayments
Equity Release
Consolidate Debts
Restructure Loans - Split Loans - Fixed and Variable.
Refinance and Debt Consolidation
How much equity do you have in your current home?
Principal & Interest or Interest Only repayments?
Getting the most out of your investment loan.
Investment Homes and Holiday Homes
Motor Vehicle
Caravans & Motor Homes
Boats
Trucks & Trailers
Yellow Goods
Asset and Equipment Finance
What a reverse mortgage is.
Purpose for reverse mortgage - Home Improvements; Day to day expenses; Travel and holiday; Buy a car; Pay off debt; Aged care; Home Care.
No repayments, no negative equity, no need to move.
Reverse Mortgages
What type of property can you purchase with an SMSF?
Which banks will lend to a SMSF?
How does an SMSF loan work?
Refinancing SMSF Loans.
SMSF (Self Managed Super Fund) Loans
Meet the Team
Ian Dale
(Dip.FMBM)
Mortgage Broker
Frances Dale
Client Relationship
Manager
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A Mortgage Broker is a qualified finance professional who acts as a go-between with banks or other lenders to arrange a home loan on your behalf. Mortgage Brokers must act in your best interest when recommending a loan to you.
In the ever changing, and increasingly complicated world of residential home loans, more and more time poor clients are turning to industry professionals to provide advice and solutions for their home lending needs. It is our combined 63 years industry experience along with our highly efficient and compliant systems that will allow us to deliver an exemplary experience to every client, every time.
Generally, we do not charge a fee for our service. In most cases we’ll be paid by the lender (with no additional cost to you) in the following ways:-
Initial Payment (Up Front Commission):- When your loan has settled the selected lender will pay us an initial payment as a percentage of the net borrowing. This percentage varies with each lender and includes GST. If the loan is transferred or is paid out within 2 years of the settlement date, the lender may reclaim all or part of these commissions from us.
Ongoing Monthly Payments (Trail income):- The selected lender may also pay an ongoing monthly payment to me as a percentage calculated and paid on the outstanding balance of your loan at the end of each month. The percentage varies with each lender and includes GST.
The initial payment and ongoing monthly payments are NOT reflected in your interest rate or fees.
Regardless of how we are paid by a lender, we’ll be there to help anytime you need us throughout the life of the loan and beyond.
No, even though we are based in Northern Rivers NSW, we have clients all over Australia. We are now able to talk to you via Skype/Zoom etc due to Lender policy changes implemented during Covid so arranging an appointment has never been easier.
We have access to a comprehensive and competitive product range to allow us to provide advice and solutions to our clients that will see us very well placed in the market. Our lender panel includes major banks, building societies and credit unions including retail lenders and specialist non-bank lenders.
Your credit score is an important piece of the puzzle when applying for a Home Loan. Most lenders do a credit check when you apply for a loan and this gets recorded as an enquiry on your credit file. Multiple enquiries could adversely impact your credit score. However, credit checks done by us do not register as an enquiry on your file. That means we can research multiple lenders on your behalf without affecting your credit score.
You have us for life and we are always just a phone call away!! In fact, some of our newest clients are the children of some of our oldest clients we helped into their home over 20 years ago. We conduct an annual review to make sure your loan is still meeting your requirements and to discuss any new financial goals and objectives you may have.
Frequently Asked Questions
“Life is an unanswered question, but let’s still believe in the dignity and importance of the question.”
- Tennessee Williams
“There are no foolish questions and no man becomes a fool until he has stopped asking questions.”
- Charles Proteus Steinmetz
Testimonials
"We cannot express enough gratitude for Frances and Ian's exceptional assistance with our finances. When no one else seemed willing to help, they stepped in without hesitation. Their dedication was evident as they tirelessly tackled every challenge that arose. No matter how big or small the issue, they handled it with utmost care and professionalism. We are forever grateful for their unwavering support and willingness to go above and beyond. Thank you, Frances and Ian, for making the impossible possible!"
Cameron and Allira Mitchell
Testimonials
"Recently we discussed our current home loan with Frances and Ian from Integrated Home Loan Solutions. We were hesitant to move lenders because of the hassle of providing the paperwork required but were interested to see if there was something better out there. When presented with a lender offering a staggering 1% less than our current lender, we were more than happy to change banks. IHL Solutions has a very easy to use online onboarding process and uploading the required documentation was simple and easy to manage. If you are wondering if you could get a better deal, call them. You will not be disappointed."
Andrew and Marie Franklin
Testimonials
"Ian helped us purchase our first home 20 years ago and since then we have only worked with him buying and selling our homes and investment properties. Over the years, he has come up with innovative strategies to increase our borrowing capacity, helping us achieve our property goals. Recently Ian and Frances painlessly transitioned us to another lender to maximise lower interest rates, and they always recommend the best lending product to meet our needs. I don’t trust financial institutions, but I absolutely trust Ian and Frances."
Josh & Janelle Walsh
Testimonials
"Integrated Home Loan Solutions recently helped with the purchase of our first home. They were brilliant!! They helped us through every step, kept us up to date and helped us feel confident and comfortable with the process. Being first home buyers, we were naturally nervous. Ian and Frances’ guidance was invaluable, particularly through the inevitable hiccups. We couldn’t recommend IHL Solutions enough."
Maddison Franklin & Rory Fetherston
Testimonials
“I got into contact with Ian and Frances early 2023 when looking to refinance my home loan, while additionally looking to withdraw equity. This was a lengthy and strenuous process that the Integrated Home Loan Solutions team tirelessly worked through on my behalf. No matter the hiccup or set back, Ian and Frances were constantly striving to get the best result for me, all the while making the process stress free and simple. This team is exceptional in their ability to communicate the processes and get the best result for the individual. I can’t recommend Ian and Frances enough, I will definitely be using their services again in the future! 11/10.”
J. A. Henry, 25