Our Approach
THE RIGHT SOLUTION FOR YOU
With over 20 years of business, commercial and residential finance experience, we pride ourselves on understanding your individual needs and goals. We understand the demands and needs of all our clients, from the individual to the larger corporate businesses. In taking the time to understand your situation, we can ensure you are provided with meaningful solutions to your individual circumstances. We specialise in complex scenarios and pride ourselves on finding ways to meet your holistic finance needs.
We are committed to finding the right financial solution for you, each and every time. Here are some of our top tips and solutions for both personal and corporate finance.
-
Commercial Mortgages
Commercial property finance differs from standard home loans and involves unique requirements and considerations. With extensive experience in commercial loans, we can guide you through the process.
Whether you're starting a development project, expanding your commercial property portfolio, or purchasing a new office, we cater to all scenarios.
Our thorough pre-qualification process ensures you focus on the right solution from the start, saving you time and money.
-
SMSF Lending
An SMSF loan or Limited Recourse Borrowing Arrangement (LRBA) allows you to leverage the funds in your self-managed super fund (SMSF) to purchase an investment property. A growing number of Australians are taking control of their retirement planning and switching to SMSFs to help meet their property investment goals. This extends to residential, commercial, and industrial property options.
-
Borrowing with a Trust
Trusts are more popular these days when considering property and asset purchases. Some of the attractions include the potential asset protection and tax advantages offered by trusts.
We deal with all type of scenarios including:
• Discretionary Trusts
• Unit Trusts
• Hybrid Trusts
• Bloodline Trust -
Low doc Loans
Low doc home loans are for those who are self employed and are unable to prove their income through traditional means. This is the only way that you can borrow without recent tax returns or financial statements. You may have already found that choosing the right low doc home loan can be difficult as lenders have different requirements and interest rates.
-
No Deposit Home Loans
The days of borrowing 100% of the purchase price without any proof of savings are gone. Unfortunately, due to the global financial crisis, there are no lenders able to fund these types of loans.
However, you can still potentially get approval for a 100% loan if you have existing real estate, or if you have help from your relatives.
-
Unusual Employment
Surely there is someone who can use common sense rather than just referring to outdated guidelines?
Modern home loan lenders are beginning to understand that these days not everyone has a 9 – 5 job and not everyone can prove their income as easily as they’d like to.
With overtime, probation, contractors and agency workers with multiple part time jobs, it isn’t hard to see that most people don’t fit the banks normal rules.
-
Non-Resident Loans
Every year thousands of foreign nationals, Australian expats and temporary residents decide to buy a home or investment property in Australia. Firstly you should read about how to buy property in Australia, followed by the rules for foreigners investing in Australia. Note: You may need approval from the Foreign Investment Review Board (FIRB), depending on your circumstances.
Although the features vary depending on the lender, our mortgage brokers can usually find you a suitable loan that has flexible policies for non-resident borrowers and meets your requirements.
-
Bad Credit Home Loans
A bad credit home loan is a type of loan that is offered from a non-conforming or specialist lender. They will entertain most scenarios for people with a poor credit rating or previous legal issues.
We understand not all applications will meet the normal Banks guidelines. As such, these providers are available when you fit this category.
