Home Loans - Mortgages - Car Loans - Debt Consolidation Personal Loans - Bridging Finance - Credit Cards and more

Home Loans

When buying a home you have a choice of many different types of home loans offering different interest rates and conditions. When applying for a home loan it is important to know the exact fees and costs involved including application fees, ongoing monthly fees and late payment fees.

Also you need to know if a line of credit is available, if your interest rates are fixed or variable or a combination of these. Are you allowed to make extra repayments on your home loan without penalties and if you decide to switch your home loan to another bank are there any exit fees.

You should consider the current financial situation and decide if it is better to have a fixed interest rate or a variable interest rate. Home loans (mortgages) can be used for: Refinancing, Investment Loans, Non-Conforming Loans, Lo Doc, No Doc, Land Loans, Renovation Loans, First Home Buyer, Construction Loans and more,
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Personal Loans

There are two main types of personal loans: secured personal loans and unsecured personal loans.

Secured loans are used for car loans, trucks, vans, boats, office equipment, machinery, tractors, medical equipment, caravans, motorcycles, shop fitouts or any other items or products. Unsecured loans can be used for holidays, weddings, paying utility bills, medical bills or just cash for your special purposes.

In general, secured personal loans have lower interest rates as the loans are secured against the items purchased. The interest rates for both types of personal loans will depend on the amount you are borrowing and your current financial situation.
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Debt Consolidation

Debt consolidation is simply the replacement of several debts into one single loan. In this way, several monthly repayments are replaced with a single monthly repayment. After debt consolidation your monthly repayments and your interest rate are reduced, so you are actually saving some money each month.

The other benefit of debt consolidation is easier management of your finances, as you only have to think about one single loan instead of several. In most instances you can consolidate unsecured and secured loans. Most often, people consolidate credit cards, store cards and unsecured personal loans as these types of loans have higher interest rates. We can help people with paid defaults, unpaid defaults, bad credit ratings and arrears as well.
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Car Loans

A car loan is a secured personal loan used to purchase a car or any other vehicle. Usually, the finance company will directly provide the loan for your car, which means you don't own the car until you repay the loan in full.

As car loans are secured personal loans they will have lower interest rates than unsecured loans. In general, the more you borrow, the less interest rate you are paying. Also the better the credit rating you have, the better the interest rate available.

The interest rate for car loans can be variable or fixed. When signing a contract for your loan you should be aware if there are any early repayment fees, missed payment fees or any additional fees. Depending on the purpose of your car, loans can be taken as: Standard Loan, Commercial Hire Purchase, Finance Lease, Novated Lease, Operating Lease or Chattel Mortgage.
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Credit Cards

Choosing the right credit card for you can be a tricky task. Before you decide on the type of credit card you want, you should consider your spending habits and your money management.

Depending on which credit card features are more important to you, you can choose between the following types of credit cards: Low Interest Credit Cards, Balance Transfer Credit Cards, Gold & Platinum Credit Cards, Rewards Credit Cards, No Annual Fee Credit Cards. Each of those credit cards have their own features and conditions.

In Australia there are three main credit card companies: MasterCard, Visa, and American Express. They provide credit cards through banks and credit card issuers Australia wide
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Bridging finance

This type of finance is mostly used for business purposes. Cash flow, expanding business, unexpected business costs as well as the purchase of investment property, shares, tax bills and more. Bridging finance must be secured by your real estate, and in some instances cars and boats may be used as security.

The interest rates for bridging finance are calculated monthly and are higher than standard as the money is organised within 24-72 hours. The loan is generally for a 1 to 6 month period, in some instances a term of up to 12 months is available.

To obtain bridging finance you must have equity in your real estate, which means the value of your real estate must be more than what you owe to the bank. If you are using vehicles as security you must own your vehicle outright.
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