Bridging
While your current property is yet to be sold, we can assist with finance to purchase your next property and also provide finance to build a new home while you live in your current home.
By bridging the cross over period between two homes, our lenders take security over both properties to provide you finance until the sale and purchase or construction process is completed. During this period we can set up your loan to be charged interest only and capitalise the interest providing you relief from the bigger debt burden. When you sell your original property, loan amount is reduced and the balance (end debt) becomes your new home loan.
Please Click INQUIRY or Call Us on 1800 456 284 to Request a Free Appointment with A Certified Consultant.
Building Construction
You may choose to go for a house and land package to have your perfect home rather than buying an established property. There are many advantages of doing so but you will need;
A fixed price contract from a licensed builder for the construction
Council approved plans and specifications of the proposed house
A copy of builders current insurance policies
On presentation of the above, the building project is valued before loan approval and monitored through its stages by the lender;
Tentative value of your completed project is estimated
Lender’s valuer monitors building progress and confirms the completion of each construction milestone, while the lender progressively pays the builders invoiced claims
Receiving builder’s invoices along with a request for funds at each major stage, your lender manages the financing of the project. The major stages of a housing construction finance are typically;
- Preparing concrete slab or timber flooring stage
- When framework is complete
- Once you can lock up your property
- On full completion of your project
Upon completion, the valuer confirms the completion of construction of your property for the lender to approve and pay the last claim to your builder.
Please Click INQUIRY or Call Us on 1800 456 284 to Request a Free Appointment with A Certified Consultant.
Buying Your First Home
Buying your very first home is exciting, but it can be a little daunting without our support and guidance. We make it as easy for you as possible and it’s easy to see what we mean by just making an obligation free appointment, we will explain the procedures in a single meeting.
There are several ways to buy your first home; with a Family Guarantee, Equity Finance Mortgage (Shared Equity), a No Deposit home loan, or with a minimum 3% deposit. Typically you won't have a deposit, and you may be able to use a guarantee from your parents as equity to assist you with your home purchase.
Another way is by paying a once-off mortgage insurance premium you can borrow more against the property you wish to buy all the way up to 100% of the price. Of course, we process your First Home Grant application in time so that you can use your $7000 grant as part of your deposit.
A new benefit, First Home Saver Accounts, starting from 1 October 2008 will also provide a new way for Australians to save for their first home benefiting from Government contribution & low taxes.
Over the years we have become a specialist in the First Home Buyer
market with particular knowledge of the No Deposit range of products (100% of purchase price) that our customers return just a few short years later to start purchasing Investment Properties, again with our guidance and advice.
Please Click INQUIRY or Call Us on 1800 456 284 to Request a Free Appointment with A Certified Consultant.
Buying an Upgrade or Moving Home
Your life or family may have changed and you may need more room which means you've reached the stage to upgrade your home. We can assist you make the next big move in buying your new home with a new stand alone loan, cross collateral or a bridging loan.
Please Click INQUIRY or Call Us on 1800 456 284 to Request a Free Appointment with A Certified Consultant.
Buying a Motor Vehicle, Boat or Other Craft
We can help you finance the purchase, refinance or lease back of new or used cars and other motor vehicles from dealerships or private sale without a deposit and use of any other security. If you have salary packaging at your place of work, we can assist with Novated Leases, and Car Buying Service to fetch you big savings off the retail price of vehicles. While we assist with the finance, you can also rely on us to obtain competitive insurance for your vehicle.
Please Click INQUIRY or Call Us on 1800 456 284 to Request a Free Appointment with A Certified Consultant.
Business Finance
As you move through your business cycle, you encounter different finance and leasing requirements. We can help meet a wide range of your business finance needs such as;
Leasing
Hire Purchase
Chattel Mortgages
Factoring
Inventory Finance
Please Click INQUIRY or Call Us on 1800 456 284 to Request a Free Appointment with A Certified Consultant.
Buying Business Equipment
You may need to purchase, refinance or arrange lease back of new or used equipment such as bobcats, excavators, forklifts, trailers, café equipment from dealerships or privately.
We can assist you with all business equipment finance options.
Please Click INQUIRY or Call Us on 1800 456 284 to Request a Free Appointment with A Certified Consultant.
Buying Business Real Property
When buying property for business, you don't have to sacrifice features or pay high rates. We have a range of lenders who can provide terms up to 30 years and competitive interest rates. We can assist you obtain finance for the purchase or refinance of most property types such as;
Commercial Property
Retail Property
Industrial Property
Warehouses
Hotels & Pubs
Please Click INQUIRY or Call Us on 1800 456 284 to Request a Free Appointment with A Certified Consultant.
Improving Your Home
Another popular way of dealing with changing circumstances or a growing family is by adding an extension to your house rather than selling and buying a new home. We can assist with the financing of the construction of an extension or the complete renovations of your house.
Please Click INQUIRY or Call Us on 1800 456 284 to Request a Free Appointment with A Certified Consultant.
Investing in Property or Shares
Investing in residential or commercial property is a time tested way to build wealth and retirement income, to take advantage of tax savings, while enjoying rental income and capital growth. It takes a special broker to guide you through the investment lending process and we have the lenders, products and know-how to give you the edge in maximizing your investment performance.
We help you use the equity in your home to finance your investments as a cost-effective option than other specialised lending products such as commercial, business or margin loans while we use negative gearing benefits to increase your investing power.
Please Click INQUIRY or Call Us on 1800 456 284 to Request a Free Appointment with A Certified Consultant.
Leasing Back
You may own equipment or a motor vehicle which you may wish to transfer to a finance company to lease back in order to raise liquidity or improve your cash position. Lease back is available on motor vehicles, forklifts, prime movers, café equipment and shop fit outs.
Please Click INQUIRY or Call Us on 1800 456 284 to Request a Free Appointment with A Certified Consultant.
Refinancing
When you have been with a loan product for a while, typically it becomes more expensive compared to newer products by the same lender or more competitive offers by other lenders. Lenders certainly do not contact you to switch you to a cheaper rate or give you a discount. Biggest discounts are usually reserved for new applications. This is certainly the case for home loans, investment loans, commercial loans, car loans, and personal loans. It is an option, then, to switch loan products staying with the same lender, or refinancing your loan to obtain a better deal, better terms and / or features.
Consolidating debt is another major reason to refinance. Consolidating all your debts with your home loan or a debt consolidation personal loan, and making one repayment for all your debts at a lower rate could save you on interest, fees and charges imposed by your personal loans, credit cards or car loans. This will help pay your debts off sooner than you had planned, while splitting your home loan into different purposes, you can still manage them separately with different terms and benefit from the same low rate.
If you are a property investor, you may also need to switch loan products to secure a further Interest only period beyond the first 10 years of your investment.
Please Click INQUIRY or Call Us on 1800 456 284 to Request a Free Appointment with A Certified Consultant.
Releasing Equity
You can access extra funds using the equity in property to buy a car, move house, renovate or consolidate other debts. To do any of these you don’t need to refinance, we can help you with your current lender and save you a bundle in refinance costs.
Please Click INQUIRY or Call Us on 1800 456 284 to Request a Free Appointment with A Certified Consultant.
Transferring Equity
You may be facing a major life event such as marriage, divorce or inheritance and you may need to transfer part or all of your equity in property to or from a family member. Equity transfers require the change of property title as well as your mortgage, consequently require careful restructuring of your finances. We can certainly assist you with this process.
Please Click INQUIRY or Call Us on 1800 456 284 to Request a Free Appointment with A Certified Consultant.
