Our Approach
At Hess Capital, our approach revolves around clients needs and goals.
Everyone is treated as an individual to ensure needs are met and goals are achieved. Coaching is provided and alternatives discussed to ensure the best outcome for all clients – sometimes this doesn’t even involve a loan! Karl is not afraid to speak openly and honestly to ensure the best outcomes for all our clients.
Home / Investment Loan Approach
Its important that each individual is properly assisted with all their financial needs. Often a home loan refinance or purchase will involve 2 or more meetings to fully assess needs and then provide solutions. Everything from refinance of existing homes, purchase of investment property or first home purchases with FHG (First Home Guarantee Scheme) is catered for on a personal basis. Honest and transparent advice is provided to ensure the best interests of clients is protected.
Karl will sit down with you to discuss your financial situation and ensure full understanding is achieved to allow for a recommendation of financier, loan type and strategy going forward.
Business Lending Approach
A thorough assessment of financial figures and business operations is the starting point for all self employed business owners to understand business requirements. From there, meetings and phone calls are typically held to ensure the most appropriate finance strategy is put into place. Financing structure is based on an effective strategy the covers business goals and matches cashflows to repayments, ensuring cashflow is sufficient to meet the needs of all business outgoings at all times. Every business owner understands that cash is king and must be well managed at all times.
This strategy is then followed through all the way to full implementation. Monitoring follows to ensure businesses stay on the path to achieve their goals, not only for the businesses but for owners, both themselves and their families. Once implemented, follow up is ensured to review facilities and ensure they remain in the clients best interests.
About Home & Investment Loans
Home Buyers & Refinances – A Practical Guide
Given the wide range of lenders available through Hess Capital, different information is required to suit different lenders. Given often the most appropriate lender is not known until analysis is completed and first meeting held, the below is a information guide for those unsure of what information is typically required.
For salary/pay as you go employees the following is generally required;
2x latest payslips
Bank statements (these can be provided using automated software to save time, or the old fashioned way of downloading individual statements)
Credit Card and Loan statements
Rates notice for refinance, contract of sale for purchase
Identification documents – Drivers Licence, Passport, Birth Certificate or marriage certificate as required
The above information as well as information gathered via meetings allows for Hess Capital to provide the most appropriate solution that looks after your best interests and achieves your goals.