There are 100’s of different loan types and products out there, ranging from loans to people with severe credit problems to people with AAA credit rating looking for the lowest rate home loan. The following list will give you an indication of just what products types are available. Please note that the terms and conditions of these products may change from time to time so be sure to check with your mortgage broker.
First Home Buyer
Refinance
Debt consolidation
Reverse Mortgage
Investment Loans
Bridging Finance
Bad Credit Home Loans
Lowest Rate Home Loans
Employment Problems
My Bank Saud No!
Line of Credit
ReDraw
Rural Property
100% Home Loans
So long as you have a perfect credit history and a good employment history we offer a range of loans including LVRs up to 100%. Naturally to secure the higher LVR loans your credit and employment history would need to be perfect.
Vacant Land
Cash Flow Home Loans
No Doc Home Loans
Lo Doc Home Loans
Assets loans
Non Conformaing Home Loans
Construction Loans
Second Mortgages
PRODUCTS
Minor Credit Problems: So long as your problems are minor, loans up to 95% LVR are possible. Again the full circumstances of the problems would need to be fully explained.
Major Credit Problems: Yes, even if your problems are severe we have a loan product for you. For example, if you're an ex-bankrupt or have a long list of credit defaults, even unpaid ones, you may be able to borrow up to 85% LVR.
Behind in current mortgage: We have loan products even if you're behind with your current mortgage and other loans. This type of loan product usually has a slightly higher interest rate depending on the severity of your problem. In other words your rate is "risk assessed".
Being Evicted: Yes, even if you you are facing eviction, we may have a loan for you. In fact, depending on your circumstance we may even be able to get you back into your home even if you've been evicted already.
Self Employed: If you're self employed and don't have all your financials and perhaps you also have a credit problem, don't despair, we have a range of loans for you to consider.
Business Startup: Thinking or starting or buying a business and need finance. This style of loan is a specialty of ours. We have loans for the self employed even if you've only been in business one day.
No Deposit: This is a very common problem when you buy a property. If you haven't saved a deposit yet and need a loan over 100% LVR, WE can help. You will need to have a clean credit history, good employment history and not be relying on and Social Security payments to service the loan.
Vacant Land: Yes, WE can even do vacant land.
Rural: Loans on Rural properties are not common these days, howeve we have a number to choose from. It is too difficult to give a clear indication of the LVR possible as they vary dramatically based on property location, size, water access, use and farming experience for example. In general terms LVRs range from 45% to 60%.
Commercial Properties: Depending on the type of property and degree of specialized use LVRs up to 75% are possible. Again location is a major factor.