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Frequently Asked Questions

Frequently Asked Questions

What does Kramer Finance do?
How can Kramer Finance help me?
What's your background and experience?
I'm not a property investor, I'm a first home buyer. Can you help me?
Where are you based?
How are you different from other mortgage brokers?
Why do you give away free reports etc.? What's the catch?
Is there a fee for the Kramer Finance service?
Which lenders does Kramer Finance work with?
How much can I borrow?
How does Kramer Finance find a loan that’s right for me?
Who does the paperwork?
Do I have to chase the lender or does Kramer Finance do that?
Is my Kramer Finance Broker fully qualified?
What happens with my personal information?
Why invest in property?
Will an investment loan be any different to my existing loan?
Can I use the equity in my home as a deposit?
What fees and charges should I consider?
What’s negative gearing?
What’s positive gearing?

What does Kramer Finance do?

Kramer Finance are a team of mortgage brokers (i.e. finance brokers) who assist professionals, self-employed, and high net worth individuals obtain and structure finance to grow a stable property investment portfolio. We are experts in structuring multiple loans for stable property investment and continued borrowing. You can learn more by downloading this FREE Special Report.

How can Kramer Finance help me?

We can If you're a property owner or property investor, we can help you arrange suitable loans to meet your goals. There's a detailed explanation of the benefits we offer on our services page. We also offer a no-obligation free property finance consultation in which we review your situation and advise you on whether or not we can help.

What's your background and experience?

The managing director of Kramer Finance is Dion Kramer. He is corporate lawyer by profession. He is also a property investor and property developer. You can learn more about him by clicking on Dion Kramer.

The other members of the team have similar backgrounds to Dion. They’re all lawyers, accountants, tax consultants, and other related professions. They’re also property investors themselves so they will certainly understand your situation and how best to assist you. The team especially focuses on structuring multiple loans for continued borrowing.

I'm not a property investor, I'm a first home buyer. Can you help me?

Yes. Loan structuring won’t be a major issue for your first home purchase but we can ensure that the application process is made simple for you and arrange a great foundation for you in the event that you choose to grow a property investment portfolio in the future.

Where are you based?

We have offices in Brisbane, Sydney, Melbourne, Canberra, Adelaide, and Perth. However, we assist people in regional areas as well. Some of the people we assist actually reside overseas. Technology allows us to assist all of our clients very well despite their location.

How are you different from other mortgage brokers?

There are several key differences between Kramer Finance and other mortgage brokers. These are a few of those differences. Kramer finance specialises in assisting property investors. Our team are property investors and developers themselves. They are also from various professions including lawyers, accountants, tax consultants and other related professions. We also regularly host finance and property related information evenings with guest speakers who are experts in their field.

Why do you give away free reports and newsletters? What's the catch?

We give away free information and reports to clients and other interested people to demonstrate some of our expertise. All information is provided on a no-obligation basis - there is no catch.

Is there a fee for the Kramer Finance service?

There is no charge for the specialist home loan broking service we provide for you. The lender you have chosen pays us a commission from its profit. We fully disclose our commissions to you in our Finance Broking Contract.

Which lenders does Kramer Finance work with?

Our panel of lenders is a well-balanced selection of over 30 of Australia’s leading home lenders.

How much can I borrow?

We understand that the 'how much' question is on the top of most people's lists. With a few details, we can quickly find out which lenders will let you borrow the money you want.

How does Kramer Finance find a loan that’s right for me?

Using our specialist software, your Kramer Finance Broker can help you compare the loan products of 30 different lenders, quickly and easily. Your Kramer Finance Adviser will tell you about the loans that are right for your needs. We'll review the details of each loan with you - and help you choose the one that’s right for you.

We’ll explain clearly in plain English all the features and costs of the chosen loan and tell you how much the repayments will be.

Who does the paperwork?

Your Kramer Finance Broker will help you complete the loan application form. We will professionally package your application with all the supporting evidence and lodge it (in many cases electronically) with your chosen lender. Kramer Finance has programmed each of the lenders' lending criteria into its software so that you don’t waste time applying to a lender who will assess your application less favourably.

Do I have to chase the lender or do you do that?

We'll take the hassle out of the application process by managing it on your behalf - right through to settlement. We will help you with any questions that you may have and, if there are any problems, we’ll chase up the lender for you.

Is my Kramer Finance Broker fully qualified?

All Kramer Finance Brokers are fully qualified and trained mortgage professionals who have undertaken to:

complete our intensive induction training, and pursue mandatory ongoing training in technical and customer service areas;
meet our stringent service standards at all times;
maintain MFAA accreditation;
maintain professional indemnity insurance.

What happens with my personal information?

Our Privacy Policy ensures that any personal information collected by us will be used only for the purpose indicated. We will not give your personal information to other organisations for their marketing purposes.

Why invest in property?

Investment properties have many benefits when building long-term wealth. If you take the time and select your investment properties well – for example, to meet the demands and lifestyle expectations of the changing demographic – property can deliver good returns for long-term investors.

Will an investment loan be any different to my existing loan?

There are few differences between what you need to do to borrow for a property you'll live in and for one you'll rent out. Some lenders charge a higher interest rate for investment properties because their risk may be higher.

Can I use the equity in my home as a deposit?

If you have owned your own home for a few years, you could have built up quite a bit of equity in your property. Instead of finding a cash deposit to buy an investment property, you can use this equity as the deposit.

What fees and charges should I consider?

When you buy a property, costs such as establishment fees, solicitor fees and stamp duty add up to a few thousand dollars. Instead of trying to find cash to pay these fees, take them into account in your borrowings. That means you don't need thousands upon thousands of dollars in savings to get started.

What’s negative gearing?

A property is negatively geared when the costs of owning it – interest on the loan, bank charges, maintenance, repairs and capital depreciation – exceeds the income it produces. Simply put, your investment must make a loss before you can claim a tax benefit.

What’s positive gearing?

You can also positively gear a property. This occurs when the investment income exceeds your interest expense (and other possible deductions). Note that you may be subject to additional tax on any income derived from a positively geared investment.

Growing Your Property Portfolio.

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