Commercial and business Loans

Commercial property and business lending policies and interest rates are rarely found on lender’s websites. Unlike residential home loans, the pricing of a commercial loan can be negotiated based on your background in business and the security to be offered. If you need help to refinance or purchase commercial property, just contact us today.

Residential loans

Also known as owner-occupied loans, a residential loan is a type of home loan that is used to purchase a property that the borrower intends to live in as their primary residence. They are typically used by individuals or families to buy a house or an apartment where they will live, as opposed to an investment property that will be rented out to tenants.

Investment Loans

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

SUPPORTING FIRST HOME BUYERS

Just starting out and not sure what kind of loan you need? No worries! We are here to help. As a first home buyer, you can obtain finance from a financial institution (a loan) either to purchase or secure against the property, with our assistance. Features of a mortgage 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. We can also help you determine your eligibility and apply for the First Home Owner’s Grant

SMSF Loans

An SMSF loan or Limited Recourse Borrowing Arrangement (LRBA) allows you to leverage the funds in your self-managed super fund (SMSF) to invest in assets such as residential or commercial property. The rental income is required to pay off the loan, and any excess return is reinvested into the SMSF. SMSF loans are solely intended for acquiring investment assets within the fund and must adhere to the rules and regulations governing SMSFs set out by the Australian Taxation Office (ATO).

SMSF loans have higher rates than traditional home loans and are only offered by a selection of lenders. This is because if your fund defaults on the loan repayments, only that single property can be reclaimed by the lender and any funds or rental income in the SMSF cannot be claimed to compensate for the debt. Once the loan balance has been paid off in full, the legal title to the property will be to the SMSF. At this point, your SMSF can continue receiving rental payments or the property can be sold off with sale proceeds being transferred into the SMSF.

Loans for Healthcare Practitioners

We know doctors are busy and your primary passion and purpose is health care. That’s why we handle your financial There’s a new way for doctors and specialists like you to get the finance you need. Whether you run your own practice or are employed in public or private practice, we understand the many and varied specialisations, each with its own set of nuances when it comes to hours of work, payment structures and business opportunities. As medical professionals, you have access to 100% bonus and overtime (no shading), and LMI fees waiver.

Car & Asset Finance

Need finance for another large purchase besides your home? You can also ask us to access competitive finance options for private cars and recreational vehicles, commercial vehicles, plant and equipment for your business and other kinds of small business loans for a variety of purposes. These finance options may include personal loans, car loans, a variety of leases, commercial leasing options, chattel mortgages and more.

Guarantor Loans

Struggling to save a deposit? Saving a decent home-buying deposit can be difficult and take time, especially if you’re renting. But there is a solution that could get you over the line sooner, having a family member Guarantor your loan.

With a guarantor home loan you may be able to borrow up to 105% of your property’s purchase price.

If you have someone in your life who can act as a Guarantor, a third-party home loan could be the perfect option for you. And the great news is, we know from experience that many people can remove the guarantee in 3 – 5 years.”

HoneymoOn Loans

A honeymoon loan (or introductory loan) is a loan with lower interest rates or lower repayments for the first six to twelve months. After the ‘honeymoon’ term, the loan becomes a standard variable rate loan and the repayments will change to include the current standard variable interest rate. When taking out a honeymoon loan, it’s important to make sure 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 if you want to switch to another type of loan.

STANDARD VARIABLE & FIXED RATE LOANS

The variable rate loan offers more features and flexibility than the basic fixed rate 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. This gives you the advantage of knowing how much your repayments will be, allowing you to organise your finances without the risk of rising interest rates. However, this advantage is offset by the possibility of not benefiting from a drop in rates

Bridging Loans

A bridging loan may be necessary to cover the financial gap when buying one property before your 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. There are alternative ways to finance a change from one home to another, so please talk with us to discuss your options.

Benefits of Using a Broker

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 and needs. With depreciating assets, the right finance can also potentially save you money on interest and fees, or potentially help you maximise your tax benefits. AND MORE – Not sure what kind of loan you need for your current financial circumstances? That’s our job. We deliver tailored finance solutions chosen from a panel of leading lenders, and give you peace of mind that your loan is working for you. Contact us today to find out all the ways we can help you.

1. Mortgage Brokers Give You Access to a Wider Range of Lenders
‍Applying for a home loan directly to your bank is not always the best choice. Banks are often limited in the products they can offer or have strict lending criteria that aren’t always favourable to individuals with different lending needs, such as self-employed or individuals with bad credit. This means you may miss out on competitive deals from other lenders or inadvertently apply for loan products that don’t cater to your circumstances. On the other hand, a home loan broker has access to a wide range of lenders and products, ensuring you find the best fit for your needs. They will assess your individual needs and circumstances and increase your likelihood of getting a loan approved faster.

‍2. They Minimise Loan Rejections (And Their Impact On Your Credit Score)
‍One of the biggest concerns when applying for a home loan is the possibility of your application being rejected. It can be more than a frustrating setback; it can actually negatively impact your credit score. Each time an application is rejected, it leaves a mark on your credit history, making it harder to have your future loans approved. The more applications for a home loan, the worse your credit rating gets. This creates a vicious cycle, making it harder to successfully get a loan approved. An experienced mortgage broker can help mitigate this risk. They will assess your financial situation upfront and match you with lenders who are more likely to approve your application, increasing your chances of a successful loan application.

‍3. You Save Time and Energy by Leaving All Red Tape to a Broker
‍Time is precious, especially when it comes to navigating the complexities of the home loan process. A home loan broker can save you the hassle of researching different lenders and filling out numerous application forms. Mortgage brokers work for you, so it is in their best interest to find the right loan for their clients. Most mortgage brokers are paid through commissions earned on each successful home loan approved (and paid for by the lenders), which is an incentive to work hard to secure the best deal for their clients. And oftentimes, that commission is only paid at a future date, so it’s in the broker’s best interest to find you a solid deal you’ll be happy with long-term.

‍4. Brokers Can Save You $$$ Through Their Access to Best Loans and Interest Rates
‍Unlike mobile lenders or bank franchisees, mortgage brokers are unbiased towards selling you a particular product. This means they can search the market for the best loans and interest rates available without being beholden to a single option.

With their expertise and industry connections, mortgage brokers can act as an intermediary between you and the lender and negotiate on your behalf. Their experience can be worth its weight in gold, potentially saving you thousands of dollars over the life of your loan.

“Bottom Line? Using a Mortgage Broker is the Smart ChoiceMortgage brokers provide a valuable and tailored service for when you’re ready to embark on that exciting next step of securing a home loan. From accessing a wide range of loan options and saving time and money to leveraging negotiating power, professional brokers offer convenient and cost-effective financial solutions for securing a home loan in Australia.

Calculators

Do you want to find out how much you can borrow to purchase your new home?

Our borrowing power calculator gives you an initial estimate of what a lender may be willing to lend to you and allow you to see the effect different interest rates and loan periods will have on the amount of money you can borrow, the total interest you pay and your estimated monthly loan payments.

Loan Calculator

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