We pride ourselves on our ability to get your loan settled! We have extensive experience in all things lending, including:
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.
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.
Most debt consolidation loans should offer you a lower interest rate than you are receiving on your credit cards and personal loans. This reduced rate could ultimately save you thousands in interest over the course of the loan. Additionally you will be able to deal with a single bank or financial institution rather than multiple different creditors. This should make your debts easier to manage and save you money on fees and late payments.
If you are thinking of upgrading your car or wish to review your current car finance, we can help you. Unlike banks and car yards, we are in your corner and look at a wide range of options and lenders to secure you a great deal at a great rate.
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 us, your mortgage broking professionals, to determine the loan that is right for you.
In the past, most people invested their superannuation in retail or industry superfunds to which their employers contributed a percentage of their salary. Fund managers then made investment decisions on behalf of the members of those funds. This landscape has dramatically changed in the past 10 years, with over 1 million Australians having switched from retail or industry funds to self-managed super funds. The reasons for the change include the additional control over their super and potentially lower fees. We can provide tailor made self-managed super fund property loans.
We also specialise in helping you secure your loan and financial freedom by offering risk and life insurance. Through our valued partnership arrangements, 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.
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.
No matter what stage of life you’re in, whether you’re an experienced investor or an absolute beginner, financial advice can help you make the most of what you have so you can get where you want to go.