Our Services
Debt Consolidation
If you have unsecured debt such as credit cards, payday loans or multiple agreements, it can be beneficial to combine these into one affordable monthly payment which is spread across a longer period.
Often referred to as a second charge or a homeowner loan, the additional borrowing is secured against your property in addition to your mortgage.
Low Doc Loans
Our flexible low doc loan solutions are highly popular with self-employed Australians seeking a simpler, cost-effective mortgage loan without all the paperwork.
If you’re self-employed and your looking for fast, flexible mortgage finance a low document loan could be suitable for you.
We are specialists in low doc lending and have assisted thousands of self-employed Australians with our market leading low doc loan products. Our range of low doc loans are a simplified mortgage loan for self-employed borrowers who have an income and assets but are unable to provide the required financial statements or tax returns to verify their current income.
If you’re a busy self-employed business person with complex financial affairs one of our simplified low doc loan products may be a more advantageous way to secure the finance you need.
Our highly flexible low doc loans simply require you to ‘self-certify’ your income derived from your self-employed activities. This is commonly known as a self-employed ‘income declaration’ or ‘low doc declaration’ similar to a statutory declaration which states the income you have derived from your business activities.
To verify consistency with your ‘self-certified’ income you have the choice of providing a preferred supporting document which may include ONE or TWO of the following documents;
a letter from your accountant
a business bank statement
a business activity statement (BAS)
Our low doc loan product suite can accommodate a wide range of purposes including purchase, refinance, debt consolidation and equity release. We will also accept suitable residential and commercial real estate as security.
Car Finance
If your car is mainly for personal use and you eventually want to own it outright, the Motor Vehicle Loan could be all you need
Motor Vehicle Loan
If your car is mainly for personal use and you eventually want to own it outright, the Motor Vehicle Loan could be all you need.
Features
Loan terms of between 1 - 7 years to allow repayments to suit your budget.
Standard loan may include loan protection that will cover your repayments in case of unemployment, disability and death.
Ability to make repayments fortnightly or monthly.
Repayments can be made via direct debit from a nominated bank account, BPAY or via a coupon book.
Benefits
Fast approval.
Apply over the phone.
First month repayment is due one month after contract settles.
Repayments fixed for the term of the contract.
Interest calculated daily on current balance.
Interest rate lower than standard unsecured personal loan as we hold security over vehicle.
Chattel Mortgage
If your business uses a cash accounting system, there may be a tax benefit for you in financing with a Chattel Mortgage..
Features
Loan terms of between 1 - 5 years with a residual value at the end of the contract to allow repayments to suit your budget.
Loans start from as low as $5,000.
Repayments are fixed for term of contract and can be structured to suit you.
No GST on the repayments.
100% finance or with an optional deposit / trade.
Repayments can be made via direct debit from a nominated bank account, BPAY or via a coupon book.
Benefits
Fast approval.
Apply over the phone.
The Input Tax Credit may be claimed upfront via your BAS rather than over the life of the loan.
Business usage and expenses may be claimed against your taxable income.
Structure repayments to suit seasonal cash flow.
Repayments fixed for the term of contract enabling you to budget your monthly expenditure.