There are literally hundreds of loan products on the market today and it is our job to help you find a solution that suits your own individual needs and servicing ability.

FIRST HOME BUYERS

Just starting out and not sure what kind of loan you need? No worries! We are here to help. A home buyer can obtain finance (a loan) either to purchase, or secure against the property, from a financial institution via a mortgage broker. 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 professional mortgage broker to discuss your options.

INVESTMENT LOANS

Investment loans are structured in a specific way to allow you to make the most of your assets. We can work with your financial planner and accountant to ensure your loan is set up as required, and have access to competitive loan options that can help you maximise your investment.

COMMERCIAL LOANS

Commercial property and business lending policies and interest rates are rarely found on lenders websites. Unlike residential home loans the pricing of a commercial loans can be negotiated based on your background in business and the security to be offered. Need help looking to refinance or purchase commercial property contact us today.

HONEYMOON LOANS

Honeymoon loans or Introduction loans is a loan with lower repayments for the first six to twelve months. After the ‘honeymoon’ term the loan becomes a standard variable loan and the repayments will change to the current standard variable rate. Make sure that you can meet the potentially 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.

BRIDGING LOANS

A bridging loan may be necessary to cover the financial gap when buying one property before the 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.

ASSET FINANCE

You can also ask us how to access competitive finance options for other purposes such as loans for private cars and recreational vehicles, commercial vehicles, as well as plant and equipment for your business. These finance options may include personal loans, car loans, a variety of leases, commercial leasing options, chattel mortgages and more.

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.

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. With depreciating assets, the right finance can also potentially save money on interest and fees.

AND MORE – Not sure what kind of loan you need for your current financial circumstances? That’s our job. We deliver tailored finance solutions from a panel of lenders whilst giving you peace of mind that your loan is working for you. Contact us today to find out all the ways we can help you.

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