We are the specialists
Whether buying your first home, your dream home or investing in property, the right finance guidance is essential. We combine our unique property lending expertise with a wealth of local property knowledge to offer products designed with you in mind – providing flexibility, control and help when you need it.
We make it simple
Our home loan products are simple, but include all the features you need to manage your loan and your property. With easy online account access, offset option, and a cash card to help you access available redraw funds when you want, managing your loan has never been easier.
We share our thoughts and the latest credit market trends with our clients through weekly news updates. We can offer home loan services with First Home Buyer, Investment Loan, Refinance, Construction Loan etc.
A car loan is a personal loan for the special purpose of buying a new or secondhand car. You can borrow an amount of money from major banks or other credit providers within a certain period of time, it usually starts from 1 to 5 years. You can either make an initial deposit or leave a balloon (residual) amount to lower your repayment. By the end of the term, you need to pay off the balloon or choose to refinance this amount of money.
A car loan is usually a secured loan which means banks will repossess your car if you don’t make repayment. Interest rates are usually lower for secured loans compared with unsecured ones.
The interest rate is usually fixed, so you know exactly how much you have to pay before the loan starts. If you wish to pay out your loan early, banks will charge a small amount of money called early termination fee for you.
Commercial loans include the purchase of business loans, business operations loans and commercial real estate loans. A lender of a commercial real estate loan can be a business operator who buys commercial real estate for investment or business use. It can also be used by someone who has a full-time job but looking for an investment opportunity.
Commercial real estate loans have many of the same places as home loans, but they are different in terms of loan ratio, interest rate, and required income.
Commercial real estate loans, like home loans, involve the same issues in real estate, including borrower credit, mortgages, loan documents, loan evaluations, loan contract signing, and loan management. However, commercial properties involve business operations, making commercial loans more complex and requiring more professional assistance.
The mortgaged property can be a factory/warehouse, a retail store, an office building and a complete unit (including 4 units or more), or kindergarten ilimoww. Once the lending institution is interested in the loan program, a formal application can be submitted.