Services
Spencer does not start with a product list; he starts with where you are. These are the kinds of help people most often come to Valley for.
Home loans
For buying a home to live in - upgrading, downsizing or relocating. Spencer compares loans from a panel of lenders against your deposit, income and plans, explains the trade-offs between fixed, variable and split structures, and manages the application through to settlement.
Refinancing
A loan that suited you five years ago may not suit you now. A refinance review looks at your current rate and structure, what else the market offers, and the real cost of switching - and if staying put is the better answer, that is the recommendation you will get.
First-home buyers
The first purchase is the one with the most unknowns: how much you can borrow, what a pre-approval really means, which government schemes you may be eligible for, and what happens between offer and settlement. Spencer walks first-home buyers through the whole sequence, in order, in plain language.
Investment lending
Lending for an investment property has its own considerations - loan structure, interest-only versus principal-and-interest, and how the new loan sits alongside your existing lending. Spencer arranges investment loans that support the strategy you and your advisers have set.
Acreage and lifestyle properties
A few acres out of town is assessed differently: land size, zoning, access and services all shape which lenders will consider the property and on what terms. Spencer helps you understand a property’s lending picture before you make an offer.
Commercial farms and properties
A working farm is assessed on a different footing to a residential or lifestyle property - lenders look at it as rural or commercial security, not just land with a house on it. For a property already running as a farm, that means the farming income, the type of enterprise and its track record all come into the picture alongside the land itself. For a property that is not yet operating but has the scale, water, soil or access to support farming, lenders will want to understand what it would take to bring it into production and whether that stacks up. Infrastructure matters either way: sheds, yards, fencing, irrigation, water rights and improvements all affect how a property is valued and which lenders will consider it. Spencer helps you work through these details, whether you are financing an established agricultural operation or a property you intend to farm, before you are committed to a contract.