Credit Guide – To Read & Sign

Please sign the last page of our Credit Guide. If you have come here from another page this would have been made available there for download. If you still need to download a Credit Guide then “Click Here“. Once you have signed the back page please upload it using the form alongside here.

Refinancing

Now; are you asking yourself the question? Could I be better off with refinancing into a different loan? Click here” and to take action and commence the process.

Owner Occupied

Always the easy to get loan. These are generally associated with the lowest interest rates. The loan can be either for established properties or for construction of a new home. Some great lending arrangements are now available for construction loans in the owner occupied space.

To commence the process for an Owner Occupied Loan Click Here and commence the next process.

Investment Lending

A lot has been happening on investment lending. Changes range from almost an absolute no through to there being little room for interest only loans on investment properties. To much to explain here. Make contact and we can do a personal briefing on  this contentious issue. If however you feel you wish to begin the process directly then “Click Here” and follow the instructions.

Fees

As always, a bank/lender must make money. This can often lead to monthly and yearly loan fees amongst others. As Brokers we can assist greatly with finding the right loan with the least fees for you.

Vehicle Loans

Why pay full retail for a car. Contact us and let us help you into a great deal to buy that special vehicle you wish to obtain and do it at a great price. We work with a number of alternative lenders in this space. Again just send through your query on the adjacent enquiry form.

Commercial Lending Big or Small

Commercial lending large or small we do them all. I know this sounds like poetry but realistically any size lending can be done. Unlike others we have a variety of lenders that can assist you.

Vendor Finance

There are many flavours of this form of lending out there but mainly it is about assisting with cash-flow. We like to pride ourselves on our ability to also streamline this form of lending to minimise the administration required which can tie up staff and resources that are best used to generate income and not be involved with overhead costing. To this end please “Click Here” to go to a direct application action page.

Calculators For Your Use

Below is a collection of calculators chosen to suit each situation/scenario. Simply select the TAB you think is right for you and a choice of Finance Calculators is made available for you to use that generally suit your particular scenario/interest.

Please note these are made available for your use as a guide. Actual loan details are at the discretion of each lender but the results will be similar.

The purchase of an Investment Property has some uniqueness about it and the following calculators should assist. Remember always that contact should be made so you can get the best advice needed. Advice that suits you specificially.

Re-Financing like all other forms of financing, requires some unique considerations. The following calculators should assist.

Check your current budget. Include your credit card and what effects that has then check out Renting vs Buying to see what might suit best. This can be followed by looking at the costs of selling your existing house and buying a new one. Then take a look at the various loans that can be accessed.

Once you are happy as to where you are at or you want some help with how to achieve your goals fill in the enquiry form alongside and we will get back to you with more defined help appropriate to you. In the message part try and detail your requirements as accurate as you can and let us know the objective/s you wish to achieve.

Considerations from a Self Employed Perspective.

These calculators will be useful or you in particular;

Please type your full name including all middle names if present. Use First Name Last Name format.
Please type your full name including all middle names if present. Use First Name Last Name format.
Please provide the best phone number to reach you on.
Please provide the best phone number to reach you on.
Please provide the best email address to use for contact with you from now.
Please provide the best email address to use for contact with you from now.
We need a copy of each applicants Drivers' Licence and Passport Photo Page. Please note these will be verified during the visit to you of our Credit Representative.
This document must be received first before we can take any action. It must be signed by all applicants.
Give us some idea on what your loan requirement is and what are your objectives you wish to achieve on attaining the loan. Add any additional notes you feel are necessary.