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      <image:loc>https://images.squarespace-cdn.com/content/v1/60ea6111dcf3287a469b66f6/1629023910004-Y0VGIJ55SAMRVW2XDVFT/Usman+2.jpeg</image:loc>
      <image:title>Home - Usman Rana</image:title>
      <image:caption>I am a chartered accountant with over 10 years of financial experience. My goal is to help empower you to achieve your financial goals. Call me for a no obligation chat.</image:caption>
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    <loc>https://www.belugafinancial.com.au/our-services</loc>
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  <url>
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  <url>
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    <lastmod>2021-07-20</lastmod>
    <image:image>
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      <image:title>Buying your first home - We work out how much you can borrow based on your income and expenses. Decide how much you are comfortable paying then help you determine if you are eligible for any grants (first home buyer grant, first home super saver and stamp duty concessions) . Work out your upfront costs (legal and stamp duty) and determine the deposits you need.</image:title>
      <image:caption>This way you can focus on looking for a house that is within your budget</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60ea6111dcf3287a469b66f6/1626232335135-N7XAW0L77CH47JAV3W3S/Finding.jpeg</image:loc>
      <image:title>Buying your first home - We offer different home loans types and help you choose the one that offers the flexibility that you need. Fixed rates, so you always know how much you will pay for a period of 1-5 years Variable rates, so you can get flexibility with a wide range of benefits and features such as offset accounts We also help you to choose the repayment options that best suite you Principle and interest so you can pay your loan balance and its interest Interest Only where you pay just the interest on the loan for a limited time</image:title>
    </image:image>
    <image:image>
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      <image:title>Buying your first home - We help ensure you get conditional pre-approvals so you can shop around with confidence. Once you have found your dream home we submit your home loan application. Review them for necessary checks and let you know if your loan is approved. We arrange the settlement date with your solicitor/conveyancer and you can settle and move in</image:title>
      <image:caption>We ensure the settlements happens so you don’t have to worry.</image:caption>
    </image:image>
    <image:image>
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      <image:title>Buying your first home - Change loan types Change your repayments Redraw additional payments Help to finance your next property</image:title>
      <image:caption>At Beluga Financial we are not the banks we strive to ensure you can meet your financial goals if your circumstances change</image:caption>
    </image:image>
  </url>
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    <lastmod>2021-07-20</lastmod>
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      <image:title>Buying your next home - We work out how much you can borrow based on your income and expenses. Decide how much you are comfortable paying. Work out your upfront costs stamp duty which will be your biggest cost outside of deposit and mortgage</image:title>
      <image:caption>This way you can focus on looking for a house that is within your budget</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60ea6111dcf3287a469b66f6/1626232726673-7OSQK5SM4ZZBTL4472SR/Finding.jpeg</image:loc>
      <image:title>Buying your next home - We offer different home loans types and will help you choose the one that has the flexibility that you need. Fixed rates so you always know how much you will pay for a period of 1-5 years Variable rates get flexibility with a wide range of benefits and features such as offset accounts We also help you to choose the repayment options that best suite you Principle and interest so you can pay your loan balance and its interest Interest Only where you pay just the interest on the loan for a limited time</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60ea6111dcf3287a469b66f6/1626232746866-HBDEWNX6WLSFHB4HMFS4/Approval+%2B+Settlement.jpeg</image:loc>
      <image:title>Buying your next home - We help ensure you get conditional pre-approvals so you can shop around with confidence. Once you have found your dream home we submit your home loan application. Review the loan for necessary checks and let you know if your loan is approved. We arrange the settlement date with your solicitor/conveyancer and you can settle and move in</image:title>
      <image:caption>We ensure the settlements happen so you don’t have to worry.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60ea6111dcf3287a469b66f6/1626232771605-85X7QBAWP3OEL63SJJCZ/Making.jpeg</image:loc>
      <image:title>Buying your next home - Change loan types Change your repayments Redraw additional payments Help to finance your next property</image:title>
      <image:caption>At Beluga Financial we are not the banks we strive to ensure you can meet your financial goals if your circumstances change</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.belugafinancial.com.au/investing-in-property</loc>
    <changefreq>daily</changefreq>
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    <lastmod>2021-07-20</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60ea6111dcf3287a469b66f6/1626232808982-K6E54MFTZS7ER5OD4D8L/Afford.jpeg</image:loc>
      <image:title>Investing in property - We work out how much you can borrow based on your income and expenses. Decide how much you are comfortable paying Most banks will require you to have a 20% deposit and require payment for upfront costs such as stamp duty and legal fees. If you have an existing property we can help you to unlock value from your existing property to purchase another.</image:title>
      <image:caption>This way you can focus on looking for a house that is within your budget</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60ea6111dcf3287a469b66f6/1626232830430-ZZN31L7722YE80801QYO/Finding.jpeg</image:loc>
      <image:title>Investing in property - We offer different home loans types and will help you choose the one that has the flexibility that you need. Fixed rates so you always know how much you will pay for a period of 1-5 years Variable rates get flexibility with a wide range of benefits and features such as offset accounts We also help you to choose the repayment options that best suite you Principle and interest so you can pay your loan balance and its interest Interest Only where you pay just the interest on the loan for a limited time</image:title>
    </image:image>
    <image:image>
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      <image:title>Investing in property - We help ensure you get conditional pre-approvals so you can shop around with confidence. Once you have found your investment property we submit your home loan application. Review them for necessary checks and let you know if your loan is approved. We arrange the settlement date with your solicitor/conveyancer and you can settle and move in</image:title>
      <image:caption>We ensure the settlements happen so you don’t have to worry.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60ea6111dcf3287a469b66f6/1626232894895-GQJVSPN4CH15RWTB4GIH/For+you.jpeg</image:loc>
      <image:title>Investing in property - Change loan types Change your repayments Redraw additional payments Help to finance your next property</image:title>
      <image:caption>At Beluga Financial we are not the banks we strive to ensure you can meet your financial goals if your circumstances change</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.belugafinancial.com.au/refinancing</loc>
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    <lastmod>2021-07-20</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60ea6111dcf3287a469b66f6/1626232975930-YXPW1G7HK28P88VP3VI4/Finance.jpeg</image:loc>
      <image:title>Refinance your property - We work with you to understand what you need Are you looking for a lower interest rate Are you looking to reduce your current fees and want to leave your current loan Do you need access to your equity for that renovation or even invest in a new property</image:title>
      <image:caption>We work with you to figure out which loan will provide you with the flexibility you need</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60ea6111dcf3287a469b66f6/1626233065316-1DZQOELS6T7NT64G7LYO/Situation.jpeg</image:loc>
      <image:title>Refinance your property - If your fixed rate term is coming to an end its a great time to explore your options Are you looking to manage your everyday finances in one place Are you looking for benefits of having all of your debts in one place</image:title>
      <image:caption>At Beluga Financial we help you understand your options as your financial needs and goals change. Our goal is to help save you time and money.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60ea6111dcf3287a469b66f6/1626233123879-OPB4WDLRTPCYL66PZ0QM/Choose.jpeg</image:loc>
      <image:title>Refinance your property - At Beluga Financial we compare hundreds of loans to ensure we find the right mortgage solution for you. Because we take the time to understand your needs. Some of the options include.</image:title>
      <image:caption>We offer a number of home loan types and help you choose the one that has the right flexible features for your needs</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60ea6111dcf3287a469b66f6/1626233204179-IE8V5JSFM7FXUPRY0AIA/Costs.jpeg</image:loc>
      <image:title>Refinance your property - There are 3 possible charges that could be involved and they include Exit fees for leaving your current lender Upfront fees for establishing your new loan Once we work out your new fees we compare these against the savings and benefits with your new loan to ensure you are better off in the long term</image:title>
    </image:image>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/60ea6111dcf3287a469b66f6/1626233237816-TOGVCPTO9WCAVRQY7569/Approval+%2B+Settlement.jpeg</image:loc>
      <image:title>Refinance your property - At Beluga Financial we’ll assess your income and home loan repayment history, as well as other financial commitments and may also complete a property valuation to work how how much your home is worth. If you application is approved you will receive a letter of offer and contract. Once you have signed the contract, settlement occurs, your new home loan is used to pay off your current home loan. Once settlement is complete we will confirm when you need to start making payments on your new loan.</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60ea6111dcf3287a469b66f6/1626233263232-JAJ10PLLEOQKOKRX7R3Q/Making.jpeg</image:loc>
      <image:title>Refinance your property - Change loan types Change your repayments Redraw additional payments Help to finance your next property</image:title>
      <image:caption>At Beluga Financial we are not the banks we strive to ensure you can meet your financial goals if your circumstances change</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.belugafinancial.com.au/services</loc>
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    <lastmod>2021-09-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1618497259178-6XJGK9GR6YAVBQL5L519/20140301_Trade-151_012-2.jpg</image:loc>
      <image:title>Services</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1607694583486-2PQT0LQ193RL7MCB6DX4/20140228_Trade+151_0046.jpg</image:loc>
      <image:title>Services</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1607638148090-Y6OFDI575CM3NQV732RJ/Large+JPG-Aro+Ha_0387.jpg</image:loc>
      <image:title>Services</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1607628784608-5D22G9GPLHDSAB2IXC2G/Large+JPG-Aro+Ha_0638.jpg</image:loc>
      <image:title>Services</image:title>
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  </url>
  <url>
    <loc>https://www.belugafinancial.com.au/about-us</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2021-09-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60ea6111dcf3287a469b66f6/1630706992459-U96EMMUTXLJVZC33R8GK/BF2.jpg</image:loc>
      <image:title>About Us - Make it stand out</image:title>
      <image:caption>With over 10 years of financial experience, we can help empower you to achieve your financial goals.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.belugafinancial.com.au/contact-us</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2022-11-13</lastmod>
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