SERVICES
We're excited to assist you with your financial needs. Whether you're a first home buyer, next home buyer, refinancer, or investor, we're here to help. Take a look at the services we offer below, or give us a call to discuss your specific requirements.
There are literally hundreds of loan products on the market today and it is our job to help you find the right solution to suit your individual needs and servicing ability. We pride ourselves on delivering proactive service and support.
We have extensive experience in all things lending, including:
SUPPORTING FIRST HOME BUYERS
Just starting out and not sure what kind of loan you need? No worries! We are here to help. As a first home buyer, you can obtain finance from a financial institution (a loan) either to purchase or secure against the property, with our assistance. Features of a mortgage such as the size of the loan, maturity of the loan, interest rate, method of paying off the loan and other characteristics can vary considerably. It’s always best to speak with a professional mortgage broker to discuss your options. We can also help you determine your eligibility and apply for the First Home Owner’s Grant.
INVESTMENT LOANS
Investment loans are structured in a specific way to allow you to make the most of your assets and finances. We can work with your financial planner and accountant to ensure your loan is set up to meet your specific needs, and we have access to competitive loan options that can help you maximise your investment returns.
COMMERCIAL LOANS
Commercial property and business lending policies and interest rates are rarely found on lender’s websites. Unlike residential home loans, the pricing of a commercial loan can be negotiated based on your background in business and the security to be offered. If you need help to refinance or purchase commercial property, just contact us today.
STANDARD VARIABLE & FIXED RATE LOANS
The variable rate loan offers more features and flexibility than the basic fixed rate loan, so the rate is usually slightly higher. Fixed rate loans are set at a fixed rate for a specified period – usually one to five years. This gives you the advantage of knowing how much your repayments will be, allowing you to organise your finances without the risk of rising interest rates. However, this advantage is offset by the possibility of not benefiting from a drop in rates.
SMSF LENDING
It is a financial arrangement that allows individuals to use their self-managed superannuation funds (SMSFs) to borrow money for investment purposes. It involves the SMSF borrowing funds from a lender, such as a bank or financial institution, to invest in assets like property or shares. The SMSF acts as the borrower, and the loan is typically secured against the assets being purchased. SMSF Lending can provide individuals with the opportunity to grow their retirement savings by leveraging borrowed funds for investments within their superannuation fund. However, it is important to note that SMSF lending involves complex regulations and restrictions, and it is crucial to seek professional advice before considering this option.
BRIDGING
LOANS
A bridging loan may be necessary to cover the financial gap when buying one property before your existing one is sold. This finance is secured against the existing property (utilising equity) and the new property being purchased. Usually, bridging loans are short term (normally 6 months) to allow for the sale of the original property and more expensive than other types of loans. There are alternative ways to finance a change from one home to another, so please talk with us to discuss your options.
ASSET
FINANCE
Need finance for another large purchase besides your home? You can also ask us to access competitive finance options for private cars and recreational vehicles, commercial vehicles, plant and equipment for your business and other kinds of small business loans for a variety of purposes. These finance options may include personal loans, car loans, a variety of leases, commercial leasing options, chattel mortgages and more.
CAR REFINANCING
Car refinancing is the process of obtaining a new loan or lease agreement for an existing car loan. It allows borrowers to restructure their auto financing terms to potentially secure lower interest rates, reduce monthly payments, or improve their overall financial situation. By refinancing their car, individuals can save money, increase cash flow, or adjust loan terms to better fit their current needs. The process typically involves evaluating the vehicle's value, assessing creditworthiness, and negotiating new loan terms with lenders. Car refinancing offers an opportunity to optimize auto financing and achieve more favorable financial outcomes.
EQUIPMENT REFINANCING
Equipment refinancing is the process of restructuring an existing loan or lease agreement for equipment. It allows businesses or individuals to obtain better terms, such as lower interest rates or reduced monthly payments, improving their financial position and cash flow. This involves assessing equipment value, negotiating with lenders, and potentially paying off the existing financing. Equipment refinancing provides an opportunity to optimize financing arrangements and achieve greater financial flexibility.
The major benefit of using a broker to finance other large purchases besides property is obtaining finance that is tailored to fit your current financial circumstances and needs. With depreciating assets, the right finance can also potentially save you money on interest and fees, or potentially help you maximise your tax benefits.
AND MORE – Not sure what kind of loan you need for your current financial circumstances? That’s our job. We deliver tailored finance solutions chosen from a panel of leading lenders, and give you peace of mind that your loan is working for you. Contact us today to find out all the ways we can help you.