Services

There are a number of 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 loans 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 us, your mortgage broking professionals, 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.

Commercial Loans

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.

Honeymoon Loans

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.

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 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.

Insurance

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.

Asset Finance

We can also give you access to some great finance options on plant and equipment to help you grow your business. This includes loans for private cars, commercial vehicles, as well as other plant and equipment purchases for your business. With a large range of commercial finance solutions available from a variety of lenders, we can help you find the right deal for your business expansion plans. Whether you’re looking for a substantial loan for an office or factory refit, a smaller loan for a new piece of machinery, or a car loan to get that new set of wheels – we’re here to do all the leg work on shopping for the right finance option..

Specialist Lending

Specialist lending is a segment of the mortgage market dedicated to providing alternative home loan solutions to borrowers who are unable to meet the lending criteria set by banks and lenders mortgage insurance (LMI) providers. There are numerous reasons why a borrower may fall into the specialist category and there is no single characteristic defined that pigeonholes every specialist borrower together. Factors requiring specialist lending can include; Impaired Credit History, Part lX or X debt agreements, Discharged Bankruptcy and short term self-employed.

Services by Referral

We have carefully selected a network of professionals to assist our clients in the following areas; Accountancy, Body Corporate Management, Conveyancing, Real Estate Sales & Property Management, Financial Planning and Landscaping.