Acquiring a Home Loan is not an easy process. Comparison sites will overwhelm you with information. We seek to find the balance between rates and service, thus finding the most appropriate finance for your home, be it for your own residence or as an investment. We are aware that switching to a cheaper rate could save thousands in interest charges over the life of the loan, but you may not qualify and a strike against your credit rating could be detrimental. This is where a personalised service comes to the top.
The choice for housing finance is complex. Not everyone wants a house that someone else built. Many people see the growth in buying a new home and land package. Financing to build on their own land as an owner builder, or using an established builder, is even more complex. The complexity is further increased if the borrowers are a first home buyer. Not all lender's are sympathetic to new home buyers and first home buyers, this is where a personalised service comes as your best option.
A reverse mortgage allows seniors to borrow money using equity in their house as security, whilst remaining the owner and staying in their home. The loan can be taken in any combination of a lump sum, a regular income stream, or a line of credit. Interest is charged, but there are no repayments while you live in your home and the interest is added to your loan balance. Repayment happens when you sell your home, pass away, or move to aged care. Because of lending responsibilities, not everyone will be able to obtain these loans. However, we can guide you through the maze of options.
In a relationship breakdown, a person can find themselves with limited cash flow. Their lifestyle can be dramatically reduced, even if they eventually have access to the capital in the joint assets of the relationship. The cost of legal action can be a pressure to settle for less in this stressful time. Wouldn't you want to be able to fund your legal action and still have your lifestyle? There are specialist lenders that can help. We can work with you and your legal team, and those lenders to get the best outcome for you.
A death of a loved one can be a difficult time. Those who are close and are left behind, will want to remember the life of their relatives with a fitting funeral. However, the funds may not be available for a fitting send off even if the money will later be available from the estate of the loved one. We have the solution. We can work with the trustees of the estate, the lawyers, and the funeral homes, to free up equity or find a suitable loan or payment plan, so that your loved one can have the service that they deserve.
Tattoos have come a long way from seedy biker bars and sailors. Today a great tattoo is an expression of art and an investment in your own image. You pay for the quality of what you get and great tattoo's like great art, cost. If your savings are not where you want them to be to acquire your body art, but will be in the near future, we have a solution. We will work with the tattoo artist to either get you a loan to fund your tattoos, or negotiate a payment plan that sees you enjoying your tattoo now and paying for it later.
Cosmetic Surgery such as breast implants, breast lifts, nose jobs, tummy tucks are increasingly popular. Cosmetic Dentistry can change a persons wellbeing with a new smile. Orthopaedic Joint Surgery can return freedom or mobility, and IVF can bring the joy of a family. All of these procedures can positively change your life. However, access to private medicine comes with an expense that you may not have within your present cash flow. We can get you your surgery now, with funding in the form of a personal loan or a payment plan, with select negotiated providers. Talk to us about solutions.
The value of a good smile as a first impression, cannot be understated. However, by our own neglect, childhood upbringing or various other reasons, we are not all blessed with perfect teeth. Even if the need for dental work is not aesthetic, there may be the need to decrease dental pain. Have you been putting off dental work because of cost? Access to excellent dental care comes with an expense that you may not have within your present cash flow. We can get your dental work now, with either funding in the form of a personal loan or a payment plan, with select negotiated providers. Talk to us about solutions.
Weight gain can adversely affect your life and health. For some people, the best solution is Gastric Banding, By-pass Surgery, or Gastric Sleeves. All have clinical support for weight loss, with associated health and wellbeing changes. These procedures can positively change your life. However, access to private medicine comes with an expense that you may not have within your present cash flow. We can get you your surgery now, with either funding in the form of a personal loan or a payment plan, with select negotiated providers. Talk to us about solutions.
Your pet, be it a loving faithful dog, man's best friend, your fur baby, or your feline friend, are important members of your family. What happens when they get sick or injured and need treatment? Vet expenses can add up. If you are planning ahead, we can help you with the best Pet Insurance. If the need is now and you do not have insurance, are not covered for specific treatments, or limits apply, we can help you. We can get your pet treated now with funding in the form of a personal loan or a payment plan, with select negotiated providers. Talk to us about solutions for your pet care.
Are your creditors contacting you? We can provide a structured and supportive money management system so you can enjoy a reduced stress financial life. We will help you to pay your bills on time, have savings in the bank and achieve your financial goals faster. We can work with debt consolidation to reduce debt, discuss and arrange debt agreements with creditors, assist you in freeing yourself from bad debt, and help if required, with bankruptcy and personal insolvencies. Want to save your future credit rating now? We can help you with no lock in contracts and great advice. Contact us today!
Purchasing goods or services can be with cash, credit card, a payment plan, or by utilising a 'customer paid' factoring of accounts service. Each option has advantages and disadvantages. The biggest disadvantage is that you may be paying too much for the money you need or require, or that you will incur costs (like late fees) that you did not expect. Worse yet, is if you over extend yourself, you may ruin your credit rating and affect your ability to gain future home loans. We offer a responsible lending service that works like a payment plan. Without the low limits that factoring of accounts services have, you won't over extend yourself. Talk to us about possible solutions to make your payments easy.
Where would we be without a car? You may need a car simply for transport, to get to work, or run your own business. A car may be a way for you to escape and enjoy, such as going camping, boating, and other recreational activities. A car may be an expansion of yourself and your personality that brings you great joy. A car may be an investment. However, getting the money for your car may not be easy and a "dealership" offer can come with heavy fees. What if you have saved for your dream ride and have found the perfect car, but just need a little more? We can help you and will always work under responsible lending so that you won't be left without a car in the future.
The benefits of taking a break are great. You can fund a holiday with cash, credit card, or a system where you "save" the money with the holiday vendor. Funding a holiday on a credit card has a big disadvantage. You will pay too much for the money you need, and you will incur additional costs (like late fees) that you did not expect. Worse yet, is if you over extend yourself you may run into 'credit rating' trouble that affects your ability to gain future home loans. We offer a responsible lending service that works with either a personal loan, or a negotiated payment plan with select providers, so you won't over extend yourself. Talk to us about possible solutions to take a holiday now and pay later.
A wedding is a very important social and family event that will be remembered forever, even if it happens more than once. However, for a young or young at heart couple, the cost of a wedding would be such that the decision to get married may be delayed, or they have to settle for a "lesser" event due to cost. If there are delays, the cost just keeps rising and the desired wedding may move further away, not to mention the other social risks. There are solutions in terms of personal loans, refinancing of properties, and negotiated payment plans with select vendors. Talk to us about how we can help you get a plan in place to pay for the wedding that you really want.
There may come a day when you need money for a short time. This was previously the helm of the pawn broker or later, the controversial short-term credit market. Lenders in this market are not required to comply with the National Credit Code if: the loan contract limits the period for which credit will be provided 62 days or less; the charges do not exceed 5% of the amount of the loan, and the interest rate does not exceed 24% p.a. There are solutions in terms of loans that can be done under the National Credit Code which may have lower interest rates. Talk to us about how we can help you get the money you need in the short term.
Legal services are needed to right a wrong, to contest a will, or to keep you out of prison. Getting the best representation can be the difference in a successful outcome. The best legal service is often expensive as you pay for quality. If you need to fund legal actions, it may be difficult to find a lender. You may end up paying too much for the money you need or require, or you will incur costs (like late fees), that you did not expect. Worse yet, is if you over extend yourself and damage your credit rating, this will affect your ability to gain future home loans. We offer a responsible lending service so you won't be over extended, using personal loans, refinancing and payment plans, with negotiated legal practitioners. Talk to us about possible solutions to make your legal action affordable so you can get the best representation.
Small business is the backbone of many economies. For the individual, the rewards of being small business proprietors are great in terms of freedom and financial success, however the requirements of capital growth and cash flow are demanding. For a business to grow, funding must be sympathetic and understanding to the particular needs of the individual and the nature of the small business. Working as a business owner outside the PAYG tax system can present a challenge to some lenders. We have special associations to work with small business owners to help finance the purchase and operation of their business, and provide business or home loans in a "low doc" climate for small business operators.