Home Loans

Standard Variable Loan

Standard Variable Rate loans typically offer you maximum flexibility and great features, including the option to fix or split your loan, the ability to make additional repayments when you can afford to and the option to redraw these funds for any purchase when you need to.

Basic Variable Rate Loan

Basic Variable Rate loans offer a lower interest rate, but fewer features. However, you usually have the option to pay for additional flexibility and features when you need them.

Fixed Rate Loan

Fixed rate home loans offer a fixed interest rate for a set period of time. Because of this, repayments remain the same for the duration of the fixed rate period. At the end of the fixed period, you may have the option to switch to a variable rate loan or negotiate a new fixed rate.

Non-Conforming Loans

Offered by specialist lenders, a range of mortgage alternatives to people who fall outside the lending criteria of traditional lenders.

Combination or Split Rate Loan

A split or combination loan brings together the benefits of variable and fixed interest rates into a single home loan. The loan can be split many ways. Split loans are useful in times of economic uncertainty, particularly when interest rates are rising. By splitting a loan, borrowers can hedge against the risk of higher rates whilst still keeping part of their loan at the lower variable rate.

Line of Credit

A line of credit home loan is a credit facility secured with a mortgage on a residential property. Similar to a credit card, they allow you to withdraw funds up to a set limit at any time. Repayments can be made in full or on a monthly basis.

This type of loan can be used to purchase most types of property, from the family home to an investment property. As long as you make the minimum monthly repayments, you can use the line of credit to carry out renovations, invest in shares or pay the bills.

Low Documentation Loan

Low Doc is a simple, quick and comparatively trouble-free finance product called a lo-document loan or lo-doc loan for short. This type of loan caters mainly for self-employed borrowers who are unable to provide full financial statements and other evidence of their income.

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Commercial & Business Finance

Business Overdrafts

When trading troughs put your cash under pressure, a flexible line of credit makes sure you can continue making purchases, paying suppliers and meeting shortfalls. A Business Overdraft can be added to various accounts and lets you level out the cash flow bumps. The agreed line of credit remains available even after repayments.

Business Equity Line

From capital purchases to seasonal cash flow hotspots - there are times when seizing an opportunity or tackling a challenge calls for action rather than words. With a Business Equity Line, you can top up your cash for whatever you need whenever you want without having to call the bank or apply each time funding is needed. Your agreed line of credit remains available even after repayments and you pay less interest than with an overdraft.

Commercial Advances & Commercial Bills

Unplanned challenges and opportunities are a fact of business life and both need fast access to flexible short term funding. With most Commercial Advances you can borrow the cash you need for between 30 and 180 days. Fixed rate repayments are easy to budget for and you can choose to pay the interest monthly or once the loan matures. When it does, you can either repay what you borrowed in full, or negotiate a further term. You also have the option to choose from a range of strategies to help you protect your business from interest rate movements.

Fixed Interest Commercial Loans

However effectively you manage your finances, the ebb and flow of business life can still spring some nasty surprises. A Fixed Interest Commercial Loan won't prevent them, but a fixed interest rate will help you forecast repayments and manage your cash flow.

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Vehicle & Equipment Leasing

Equipment finance

You need to buy more equipment to keep growing, but you don't want to tie up your cash. With Equipment Finance you can use flexible rental or leasing to buy what you want when you want it. Our finance decisions are based on your business and its needs rather than an 'approved list' of what can be funded and what can't. It means any asset can be financed and no additional security is required. Structure the repayments to suit your business cycle and there may be the added advantage of tax benefits.

Inventory Finance

You want a well-stocked showroom, but you don't want to wait for weeks or months until you've generated enough cash to pay for it. Using Inventory Finance you can buy whatever floor stock you need right now, without dipping into your cash reserves. It means you can use your cash to improve margins by negotiating bulk discounts and early payment rewards. Ideally you'll have annual sales of at least $3m.

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