Our service is all about options. We specialize in matching clients to loan products when their Bank has said ‘No’. We have access to a wide range of loan products from most of the big name lenders and institutions plus other non-bank lenders and even private lenders. This gives us a broader base from which to help you find the best solution for your unique situation.
We believe there is no ‘BEST LOAN’ to suit everybody, and throughout the course of your life you may need several different types of loans depending on your different circumstances and goals. There are also several solutions to your situation.
We provide specialty lending solutions for the following situations:
Specialty Lending Solutions available:
We don’t make the decision for you, but will provide you all the information and education you need to make an informed choice. The information we will provide is relevant and factual and also clear to understand.
We maintain our high levels of professionalism through extensive training and experience, and we know what each Lender’s limitations and requirements are.
This ensures we present your loan package in the best possible way to the best Lender. If needed we discuss unusual or ‘tight’ deals with the Lenders directly before they assess your application. We work hard on your behalf to secure the best possible chance for an approval.
First Home Buyers - Purchase a new home, despite having no deposit or proof of deposit, and even with credit issues. Did you know you can purchase a home borrowing the full 100% of the purchase price? Various options are available and certain criteria need to be met, but it’s easier than you think - beats paying dead money to the Landlord.
“Refinance your Home” Loan - Our service is all about our clients OPTIONS. Have your situation or needs changed since you took out your existing loan? Do you need additional funds for a larger family home, a holiday or renovations?
There are new loan products that are better suited for you. Loan products change on a regular basis, so we will assess your existing loan situation, determine your future goals, and evaluate the best possible course of action.
In most cases it is possible and beneficial for you to stay with your existing Lender, or you may decide to utilize a more beneficial solution with another loan product. By having a Financial Business Agent complete your Analysis on an annual basis, you are kept in the loop with new loan products and services.
Debt Consolidation - Money troubles can make you feel like you’re struggling to keep your head above water. Often getting a car loan or personal loan to fund a purchase is convenient, but very costly - most loans charge about 18-30% interest!. By taking all your short term, high interest loans into one lower home loan rate, you can significantly improve your cash flow, leaving you with more money in your wallet per week. Imagine a reduction in phone calls and mail from people calling you for payments on your high interest loans.
Purchasing an Investment Property - Becoming a Landlord for the first time can be daunting, but also very rewarding. We will help you to turn the equity in your existing home into an investment fund to finance and acquire the purchase of another property.
We find funding for you even if your Bank has deemed you to be too ‘rent-reliant’.
Small Business Funding and Expansion - Are you thinking of leaving your salaried position to start your own business? Or perhaps you are already a business owner who would really benefit from additional money to ease cash flow, purchase plant and machinery, repay a business loan at a higher rate of interest, or purchasing a brand new vehicle.
Even if you haven’t been in business for more than two years, we have access to funding that will enable you to achieve your business goals.
Speak to a Financial Business Agent first, as borrowing monies when you are self-employed is very difficult and different with stricter criteria. The Money Broker LTD can arrange business lending at lower home loan rates, secured against your home property, but split effectively so the loans are specific for your requirements.
Tax Liability Funding - Banks will not generally lend you any money to pay a tax debt. We have special lenders who specialize in lending for this purpose. All is not totally lost, relieve yourself from the financial pressure, and get C.C.R.A. off your business back.
Construction Loans - We have access to funding for the purchase of bare land and the subsequent construction of your new home, even with no proof of income.
The building process is broken down in stages, and you are only paying interest on the loan balance as progress is made.
Equity Release Loans - In the later years of life, your most valuable asset can also be the most costly to maintain. It may be time to look at your home in a whole new way - your equity could be the key to a renovated kitchen or bathroom, a new deck, a new car, a necessary health operation, or an overseas trip.
In fact turn your equity from your home into cash so you can use it any way you want.
Bridging Finance - Short Term finance provided, usually when a client is transferring from one home to another and the new home purchase is settling prior to the sale of their current home. This can also be used when the construction of a new home has run short of money but is close to be completed and Code Compliance is soon to be issued.
Line of Credit Lending - Like a big overdraft facility, a Line of Credit is a loan that is secured against your residential property, and you only pay interest on the balance. It is always a pre-approved limit, based on your situation at the time of approval, despite your situation changing in the future.
Very good if you are an employee for someone else, but considering starting your own business.
2nd Mortgages 3rd 4th 5th and up to an 8th Mortgage - A mortgage secured against your existing home, but usually with another Lender than your first mortgage, and a smaller amount at a higher interest rate. The 2nd Mortgage lender has second priority over your home.
Personal Loans - We specialize in loans that help people consolidate debt, pay for an operation, home equity and car loans, even just getting away for a holiday. Loans from as little as $25000 are available.