Home Loan Options:

• First Home Buyer
• Basic Home Loans
• Fixed Rate Home Loans
• Low Documentation Loans
• Home Loan Refinancing
• Construction Loans
• Owner Occupied Home Loans
• Investment & Equity Loans
• Interest Only Loans

Our experienced lending specialist can provide tailored solutions when considering purchasing a home, investment property, refinancing or completing improvements to your current property.

Navigating through all your options can be overwhelming, do I get a fixed rate or variable rate? will an offset account be beneficial to you? With so many options, having the right advice is vital during one of the most important decisions in anyone’s life.

Our lending specialist will step you through the loan process and your product options to take all the stress away when applying for loans. We even provide you a secure client portal that allows easier access to the application process and the information we need to find the right home loan for you.

Do not just accept the next bank interest rate rise as sometimes loyalty is not rewarded.

The 2020 Australian Consumer and Competition Commission (ACCC) Home Loan Price Inquiry found that loyalty leads to higher loan costs and 94% of customers were paying 0.4% more than a customer taking out a new loan. The longer the customer held the loan the more likely they would be paying more.

How you could benefit

There could potentially be an annual saving on your existing home loan.

Case Study

Clients Kevin and Robynne have a home loan with a 2nd tier lender.

• They renegotiated their interest rate down in November 2019 to a very competitive interest rate but over the years the rate has risen. Their loan is on a variable rate, has an offset attached and redraw available.
• Their loan currently stands at $377,984 and has 20 years to run.
• Their current interest rate stands at 5.57%.
• The best rate available to our brokers is 3.84%.
• On this reduced interest rate, the monthly repayment reduces by $544.93 per month on a 20 year term.
• The saving is $6,539.12 per annum and $130,782.40 over the remaining term. Rates current and correct @ September 2022

Saving: $6,539.12 per annum
Total saving: $130,782.40 across the remaining term of their loan

Asset Finance options:

• Chattel Mortgages
• Finance Lease
• Commercial Hire Purchases
• Novated Leases
• Consumer Finance

Asset Finance facilities are always primarily to buy business assets and are always secured by the asset being purchased.

These facilities can offer great tax benefits (we’ll refer to your accountant for tax advice). Asset finance can be utilised to purchase many different types of business assets including but not limited to:

• Cars
• Trucks,
• Yellow Goods (construction machinery) and Farming equipment,
• Planes and helicopters
• Factory Machinery, Shop Fit outs etc
• Debtor Finance to release cashflow back into your business
• Insurance Premium funding to convert annual premiums to pay by the month and smooth out cashflow

By far the most popular use of Asset Finance is to tax effectively purchase a car for those who are self-employed, but there are also Consumer loans available for people wanting to buy cars who are PAYG employees.

Commercial Loan options:

• Business Loans
• Development Finance
• Working Capital Finance
• Trade Finance
• Debtor Finance
• SMSF Loans

Our Lending specialist can help provide an effective funding solution for your business including working capital solutions, stock and debtor finance, partner buy out or buy in, business acquisitions and commercial property purchases.

We will be able to structure the best facilities to suit your ongoing business needs with access to a wide range of commercial funding options for small to medium businesses, professional practices, manufacturers, developers and any one in business.

Digital lending platform

We have access to an easy-to-use digital lending platform which makes it easy for our lending specialist to manage your loan review and application process.

Relationship built on trust

We understand your need to trust any service provider you deal with and we’re proud we’ve built up a high level of trust in our relationship based on competency and results.

We process a wide range of loans

We process Residential, Commercial, Small Business Finance, Car Loans and Equipment Finance for business purposes such as trucks, yellow goods, machinery etc.

Best interest duty and responsible lending obligation

Our lending specialist operates under a Best Interest Duty Obligation, a key customer care benefit that ensures a great customer outcome. This is something banks have no obligation to follow or can guarantee to a customer applying directly to a bank.

Australian credit licence

Through our long-standing relationship with Centrepoint Alliance we now have the authority to offer Lending services under their Australian Credit Licence 377711.

Personal Finance:
Home loans
Investment Loans
Debt Consolidation
Refinance loans
Car Loan

Business Finance:
Car Loans
Commercial Loans
Medico Finance
Plant and Equipment
SMSF