Explore Loan Options Built Around You
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Explore Loan Options
Built Around You
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Property Purchases
Our expert team guides you through securing home and investment loans tailored to your financial situation. We analyse factors like your income, credit history, and preferred loan types (P&I vs Interest Only) to find the best solutions. With comprehensive market knowledge, we ensure you understand the implications of each option, enabling you to make informed decisions.
Refinance
Refinancing is an opportunity to restructure your existing loans for better terms and reduced payments. We assess your current mortgage, analyse market rates, and calculate potential savings to determine if refinancing is right for you. Our team simplifies the process, helping you leverage equity or lower interest rates for optimal financial benefits.
Car Finance
We provide 360° guidance in obtaining financing for vehicle purchases. Our team evaluates your credit profile and financial capabilities to recommend competitive rates and flexible terms. Whether you’re buying new or used, we ensure transparency in all costs, including fees and insurance, to facilitate a smooth purchasing experience.
Personal Loan
Our personalized loan options cater to a variety of financial needs, from consolidating debt to covering unexpected expenses. We offer quick access to funds with terms that fit your budget and repayment capabilities. Our team assists in evaluating your options, ensuring you secure the best interest rates and conditions.
Commercial & Business Loans
Tailored to support business growth, our commercial loans are designed for property purchases, equipment financing, and operational expenses. We analyse your business plan and cash flow to determine the best loan structure, ensuring you make sound financial decisions that align with your business objectives.
SMSF Loans
We empower sophisticated investors in self-managed super funds (SMSFs) with tailored loan solutions. Our expertise ensures that you can leverage your SMSF to invest in property, offering insights into regulatory requirements and financing options that align with your investment strategy.
Government Guarantee Scheme
The Government Guarantee Scheme is a fantastic opportunity for aspiring homeowners, allowing a deposit as low as 5% with a government guarantee covering up to 15% of the property’s value. This initiative can save you thousands by eliminating Lenders Mortgage Insurance (LMI) costs, making homeownership more accessible.
First Homeowner Grant (FHOG)
The FHOG offers a financial boost of $10,000 for first-time homebuyers constructing new homes, simplifying the process with no repayments required. Understanding this grant, along with potential stamp duty exemptions, can significantly ease financial pressures and empower you on your journey to homeownership.
Loan-to-Value Ratio (LVR) & Lenders Mortgage Insurance (LMI)
Understanding your LVR is crucial, as it influences whether you’ll incur LMI costs. An LVR under 80% typically allows you to avoid LMI, which can add substantial expenses to your mortgage. Knowing how to manage your deposit can help you save.
LMI Waiver
Our LMI waiver programs cater to professionals, medical practitioners, and specialized workers, enabling them to secure higher LVR loans without LMI. This program recognizes your financial stability and helps you minimize upfront costs, making homeownership more attainable.
Stamp Duty
Stamp duty is a one-time tax payable when purchasing property, calculated based on the property’s value. While it can be a significant cost, various exemptions and concessions are available for first-home buyers and certain property types. Understanding how stamp duty applies to your purchase can help you plan and potentially save money, especially if you qualify for discounts or exemptions.
NDIS Property Investment Loans
We specialize in facilitating loans with select banks for investors looking to build NDIS-approved properties. This is a niche market that not every lender can cater to, but our experience and partnerships with specialized banks make it possible. If you’re interested in investing in properties designed to meet NDIS standards, we can help guide you through the process and secure the right financing to make your investment a success.
Property Purchases
Property Purchases
Our expert team guides you through securing home and investment loans tailored to your financial situation. We analyse factors like your income, credit history, and preferred loan types (P&I vs Interest Only) to find the best solutions. With comprehensive market knowledge, we ensure you understand the implications of each option, enabling you to make informed decisions.
Refinance
Refinance
Refinancing is an opportunity to restructure your existing loans for better terms and reduced payments. We assess your current mortgage, analyse market rates, and calculate potential savings to determine if refinancing is right for you. Our team simplifies the process, helping you leverage equity or lower interest rates for optimal financial benefits.
Car Finance
Car Finance
We provide 360° guidance in obtaining financing for vehicle purchases. Our team evaluates your credit profile and financial capabilities to recommend competitive rates and flexible terms. Whether you’re buying new or used, we ensure transparency in all costs, including fees and insurance, to facilitate a smooth purchasing experience.
Personal Loan
Personal Loan
Our personalized loan options cater to a variety of financial needs, from consolidating debt to covering unexpected expenses. We offer quick access to funds with terms that fit your budget and repayment capabilities. Our team assists in evaluating your options, ensuring you secure the best interest rates and conditions.
Commercial & Business Loans
Commercial & Business Loans
Tailored to support business growth, our commercial loans are designed for property purchases, equipment financing, and operational expenses. We analyse your business plan and cash flow to determine the best loan structure, ensuring you make sound financial decisions that align with your business objectives.
SMSF Loans
SMSF Loans
We empower sophisticated investors in self-managed super funds (SMSFs) with tailored loan solutions. Our expertise ensures that you can leverage your SMSF to invest in property, offering insights into regulatory requirements and financing options that align with your investment strategy.
Get in touch
We’d love to hear from you. Please fill out this form.
