Australian Loans Australia wide home loans
and debt consolidation including car loans, personal loans
and bridging finance
Australia wide finance for any purpose
Save money with consolidation loans
We consider people with bad credit
New loans and refinance available
Refinance home loan with lower interest rate
loans and working capital finance
loans Australia wide available
service without obligation
Australian Loans specialise in new mortgage
and home loans refinance as well as in debt consolidation.
We also offer full spectrum of other loans financial products
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
loan without penalties and if you decide to switch your
home loan to another bank are there any exit fees. Home loans
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, Non-Conforming Loans, Lo Doc, No Doc, Land, Renovation,
First Home Buyer, Construction and more.
Now for Home Loan
We provide two different types of consolidation
loans, one where you can consolidate debt into one single
personal loan, and the second option enables you to consolidate
all your loans into your existing home loan. We will consider
all enquires regardless of your current credit rating, credit
defaults and late payments or arrears.
People with enough equity in their existing
home will benefit from home loan refinance if they need to
consolidate large personal loans debt and credit card debt.
Smaller personal loans and credit cards debt are usually consolidated
into one, new personal loan. This option is suitable for those
without an existing home loan.
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
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
debts as this type of finance has higher interest rates. We
can help people with paid defaults, unpaid defaults, bad credit
ratings and arrears as well.
Now for Debt Consolidation
There are two main types of personal
loans: secured and unsecured.
Secured personal loans are used for cars, trucks, vans, boats,
office equipment, machinery, tractors, medical equipment,
caravans, motorcycles, shop fitouts or any other items or
products. Unsecured personal loans can be used for holidays,
weddings, paying utility bills, medical bills or just cash
for your special purposes.
In general, secured personal finance have lower interest rates
as the finance is secured against the items purchased. The
interest rates for both types of finance will depend on the
amount you are borrowing and your current financial situation.
Now for Personal Loan
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 against the vehicle purchased
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
finance 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, finance can be
taken as: Standard, Commercial Hire Purchase, Finance Lease,
Novated Lease, Operating Lease or Chattel Mortgage.
Now for Car Loans
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
Now for Credit Cards
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.
Now for Bridging Finance
Times are tough, thinking about bankruptcy? Every year
1000's of Australians are declaring bankruptcy. The most
common reasons for bankruptcy are: reduced income, medical
inability too work or business failure. Find more information
about bankruptcy, your options and where to obtain professional
Consolidating my credit cards and personal loans into my mortgage
is saving me more than $1,200 each month. I should have done
this a long time ago. - Robert H.
Short Term Loans
Fast loans for business purposes. When
finance is required urgently, we can organise short
within 24-72 hours. Short term loans
are available for terms between 1 month and 24 months.
Expanding existing business and looking
for capital finance? Business loans
with reasonable interest
rates. Many new business ventures require business loans for
a successful start.
Loans Consolidation - Too many debts and credit cards? Save
money with debt consolidation.
Bankruptcy Options - Considering bankruptcy?
Find more about your financial options, advantages and disadvantages
Bridging Loan - Do you need finance available
in 24-48 hours? Loans for any business purpose including property
Business Finance - Funds available for
commercial projects, business mergers & acqusitions, cash
flow and investment.