Product Outline:

Variable Rate Loans:

Full range of Variable Home Loans from "Basic" style loans suitable for the Investor or borrower just wishing to make the minimum monthly repayment to fully featured loans allowing for "Interest Only" payments for up to 5 years; weekly, fortnightly or monthly repayment arrangements; "redraw" of amounts in advance of the scheduled loan repayments.

Direct salary crediting.

No "on-going" account keeping fees.

No exit fees or early repayment charges.

"Professional Packages" - Interest rate discounts for avaliable upon application (conditions apply).

Interest Off-Set Loans:

Full Off-Set loans where the interest earned on funds held in a linked savings account is deducted from the interest calculated on the home loan. The interest is calculated on the savings at the same rate as the home loan.

Home Equity Loans:

"Interest Only" format loans up to 90% of the value of the securing property.

"Principal & Interest" format loans up to 97% of the value of the securing property.

Both facilities can be utilised in conjunction with a credit card and direct salary / rental crediting to maximize income and expenditure management.

Credit Card accounts available at the same interest rate as the home loan.

This style of loan can also be used as a "Business Loan" providing the security offered is a residential property.

Fixed Rate Loans:

Terms from 1 year to 10 years, "Interest Only" or "Principal & Interest" style accounts available to either Investors or Owner Occupied borrowers.

Additional repayments of up to $20,000 p.a. without penalties and "redraw" of funds in advance of scheduled repayments.

Combination loans:

A combination of some or all the above loan formats to produce a total package best suited to individual requirements. It is also possible to combine two or more different lenders (say 2 different banks) when warranted by individual circumstances

Non Conforming Loans:

Loans available through a range of bank and non-bank lenders to 90% of the residential property value.

Self employed or PAYG applicants, no financials required.

Loans can be in the form of Line of Credit, Principal & Interest loans, Construction Loans, Vacant land, Refinance of existing loans or even Interest only for up to 5 years.

General:

Home loan financing in general is available for any legal purpose and can therefore be used to:- buy a car, purchase shares, fund the purchase & installation of a swimming pool or even to assist with business financing. The one thing that always remains consistant is that the security on offer for the loan must be a "Residential Property", which includes Units, Townhouses, Flats, Vacant Land, Small acreage properties (generally to maximum of 100acres - 40 hectares), Warehouse Conversions, Inner City Apartments as well as standard houses .

Loans can also be for a company or trustee (unit trust or family trust) as the owner, the purchaser or the borrower.

If a loan application does not fit the criteria set down by the major or regional banks, we can often obtain the required finance through a range of "Non-Bank" lenders at our disposal.

Commercial loans at highly competetive rate

Motor vehicle loans avaliable