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Here is a summary of the loans and products that are available today. Have a look at what you see as being closest to what you need and then contact us and we will give you a Free Fast Track Loan Application as to the best structure and lowest possible repayments for your situation.
Basic Variable Rate Loan
If you are looking for a low variable rate loan that has less frills then this type of loan is for you.
These loans are available for First Home Owners, Home Movers, Investors, and for refinance of existing facilities.
Benefits for you
•Discounted variable interest rate that is lower than the standard variable rates offered by the lenders
•Additional Payments – Principal reductions allowed without incurring a penalty
•Redraw – Some lenders allow you to access surplus funds paid into the loan. A simple and effective way to reduce interest cost and still have easy access to extra repayments you have made
•Offset account linked to your mortgage- Funds held in an offset account can help reduce the interest cost on your loan.
Is this right for you? Contact us for a Free Fast Track Loan Application.
First Home Buyer Loan
Whether you are buying an established first home or building your first home you have a full range of loans to choose from. Which loan from which lender will depend on your personal situation.
Information we need to advise you as to your choices are.
• Have you any deposit saved
• Do you qualify for The First Home Owners Grant
• Have you considered a guarantor
Contact us and we will let you know exactly where you stand and how much you can borrow. We will assist with the first home Owners Grant and let you know about any other grants or fee assistance that you are eligible for.
Is this right for you? Contact us for a Free Fast Track Loan Application.
Investment Loan
If you are considering
• Purchasing an investment property
• Unlocking the equity in your current home to invest in shares, superannuation or managed funds
• Constructing an investment property
Great so you’re thinking about your financial future, you’re making a plan. Contact us let us know what you are considering and we will help you with your plan.
Is this right for you? Contact us for a Free Fast Track Loan Application.
Lo Doc and No Doc Loan
If you are self employed, have inconsistent income streams or not finalised your tax returns then this type of loan is an option you can consider.
With Lo Doc Loans you declare your income, assets & liabilities. No Doc Loans generally do not require income declarations.
Is this right for you? Contact us for a Free Fast Track Loan Application.
Professional Package Loan – One Stop Shop Loan
With this type of loan the more you borrow the more you save. Discounts are available depending on loan size and many of the lenders offer fully featured packages across many of their banking facilities.
Basically they work best and offer the best value if you do all of your banking with the same bank you have your mortgage with.
Features and Benefits for you
• Discounted interest rates of up to 0.7% off the standard variable rate
• No upfront establishment fee. An annual package fee may apply
• No monthly account keeping fees with most lenders
• Combine facility with a Fixed Rate Loan and secure your monthly repayments
• Funds held in an offset account can help reduce the interest cost on your loan
• Redraw – This allows you to access surplus funds that have been paid into the loan in excess of your normal monthly repayments
These loans are available for First Home Owners, Home Movers, Construction Finance, Investors, and refinance of existing facilities and in some cases for business purposes.
Is this right for you? Contact us for a Free Fast Track Loan Application.
Standard Variable Rate Loan
Standard variable rate loans are in reality the starting point for most lenders range of loan products. Generally with most lenders there is a better way to go once we have been able to go through your circumstances with you and work out what you need.
Being a variable interest rate loan the interest rate can fluctuate depending on what is happening in the financial markets which can benefit you if the interest rates go down.
• Redraw – This allows you to access surplus funds that have been paid into the loan in excess of
your normal monthly repayments.
• Offset – Funds held in an offset account can help reduce the interest cost on your loan.
• Additional Payments – Principal reductions can be made at any time without incurring a penalty.
• Portability – Even if you sell your existing property and purchase a new one you can keep the same loan and the benefits you already enjoy with this type of loan.
Contact us and we will go through your options with you.
Is this right for you? Contact us for a Free Fast Track Loan Application.
Fixed Interest Rate Loan
When you like to know what your repayments will be over a given period and want to protect yourself against interest rate rises this is the right loan for you. Fixed rates available for periods of 1, 2, 3, 5 and even 10 years.
Features and Benefits for you
• If interest rates rise your loan repayments remain the same during the fixed rate period
• Combine a fixed rate with another flexible product to give you an opportunity to repay some of
your debt during the fixed rate period
• Some lenders allow additional repayments during the fixed rate period
• Portability – Even if you sell your existing property and purchase a new one you can keep the same loan with the same interest rate you already enjoy and avoid any potential break costs.
There are some other considerations that need to be taken into account re fixing your loan.
Is this right for you? Contact us for a Free Fast Track Loan Application.