Loan Products

Best Home Loans
The Best Home Loans may not necessarily be the best and lowest rate. Flexibility of product is essential in the current market. The ability to pay regularly, make extra repayments, and bank directly to the loan are quality features to look for. All banks offer discounted rates on... more...
Land and Construction Home Loans
When entering into a contract to buy land with the intention of building on that land it is best to purchase the land with a longer settlement date. The ideal way to seek finance is to approach the bank with two contracts, one for the land and one to build. A longer settlem... more...
Bridging Home Loans
A Bridging Loan is to assist existing home owners to purchase another property to live in prior to selling their existing home. Many people prefer to move once, so they generally purchase first hoping to sell their property quickly and settle both properties simultaneously. When ... more...
100% Offset Account
Most banks offer an account that allows your savings to be offset against your Home Loan. It works like this - your home loan of $100,000 @ 8% per annum can have a savings account linked and the interest earned on the invested funds (say $10,000.00) earn interest at the same rate as you... more...
Standard Variable Rate Loans
These loans have the most flexibility and fewer restrictions to operate. When the market is stable these loans are the best option. You can pay as much off the loan without penalty, generally attach an offset account, pay regularly (e.g weekly, fortnightly). Discounts can be offered ... more...
Line of Credit
This loan is popular for two income families. The product allows you to bank your salary directly to the loan. The benefit of this loan is that when your salary hits the account it reduced your loan balance and until the interest is charged, usually at the end of the month your wages virtu... more...
Fixed Rate Loans
Fixed rates offer peace of mind, but come with restrictions. By fixing the rate generally between 1 to 5 years you are guaranteeing your loan repayment will be constant. The negative is that you are limited as to how much you can repay without being penalised and if rates fall you wi... more...
Commercial Finance
Finance can be arranged to purchase Commercial property and businesses. The rules for commercial finance are somewhat complex. To purchase a Commercial property generally the maximum term is 15 years, (we do have lenders that can go to 25 years) using the property as security. ... more...
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