There are a number of financial products on the market and it is important that you find a solution that best suits your needs and serviceability.
We pride ourselves on our ability to get your loan settled! We have extensive experience in all things lending, including:
First Home Buyer
A home buyer can obtain financing (a loan) either to purchase or secure against the property from a financial institution via a mortgage broker (that’s what we do!). Features of mortgage loans 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 mortgage broking professional to determine the loan that is right for you.
Investment Loans Investment loans are structured in a specific way that allows you to make the most of your assets! An investment plan is one that works toward building your wealth and securing your financial freedom. For some, the future may seem a long way off, but the time to act is now because the future waits for no one. The housing market is generally a seven to ten year cycle: there are always highs, lows and steady patches.
Due to expensive upfront costs and regulation related hurdles, smaller businesses do not typically have direct access to the debt and equity markets for financing purposes. Therefore, they must rely on financial institutions to meet their financing needs. Commercial Loans are renewable loans used to finance a company’s immediate working capital needs. These can be large or small scale and usually operate short-term.
Standard variable & fixed rate Loans
The variable rate loan offers more features and flexibility than the basic or “no frills” 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. The advantage of allowing you to organise your finances and repayments without the risk of rising interest rates is offset by the disadvantage of not benefiting from a drop in rates.
A loan with lower repayments for the first six to twelve months is often called a Honeymoon Loan. After the ‘honeymoon’ the loan becomes a standard variable loan and the repayments increase. Make sure that you can meet the higher repayments for the remainder of the loan. You could also be faced with a fee at the end of the honeymoon period to switch to another loan type.
A bridging loan may be necessary to cover the financial gap when buying one property before the existing one is sold. This finance is generally secured against your property as you are utilising the equity in your existing property. Usually, bridging loans are short term and more expensive than other types of loans.
These are loans for any purpose that are not secured by property. We will find the right type of facility to suit your requirements. Our suite of product solutions include loans for Motor Vehicles, Motorbikes, Trucks, Buses, Caravans, Boats, Aeroplanes, Home improvements, Swimming Pools, Holidays, Share Purchases and Tax Effective Investments.
We have numerous finance options for your new or used Car purchase, finding the right car is a difficult process, but with Our finance products specifically designed to your situation with the option of variable or fixed rate’s along with loan terms from 12 to 84 months we have the right product for your needs.
If you need to buy equipment for your business, an equipment loan provides financing for the full cost with repayments fixed for the life of the loan.
If you want to buy a commercial property or re-finance your existing loan, we are here to help. With various lenders and referral partners we can assist you to achieve your goals.
We also specialise in helping you secure your loan and financial freedom by offering risk and life insurance. Through our valued partnership arrangement with an insurance brokerage firm About risk we are able to offer our clients a range of different insurance opportunities. This service offers free consultation and even if you are happy with your current insurer for your home, business or any other insurance requirement, call the office for a second opinion on price and cover.