Choose Your Loan Plan . . .

01. Debt Consolidation Loans

A consolidation loan is meant to simplify your finances. Simply put, a consolidation loan pays off all or several of your outstanding debts, particularly credit card debt. It means fewer monthly payments and lower interest rates. Consolidation loans are typically in the form of second mortgages or personal loans.

The term debt consolidation refers to the act of taking out a new loan to pay off other liabilities and consumer debts, generally unsecured ones. Multiple debts are combined into a single, larger piece of debt, usually with more favorable payoff terms. Favorable payoff terms include a lower interest rate, lower monthly payment, or both. Consumers can use debt consolidation as a tool to deal with student loan debt, credit card debt, and other liabilities. Lower Rate 3%.

02. Personal Loans

A personal loan is money you borrow and pay back with interest over multiple years. You can use the loan for almost any purpose. Lower Rate 3%.

Unless you can qualify for a 0% intro period credit card, rates on personal loans are typically cheaper than those on credit cards, and the limits on how much you can borrow are usually higher. If you have high balances on multiple high-interest credit cards, a debt consolidation loan can roll your debts into one payment at a lower rate.

Lenders make their decisions based on factors including credit score, credit report and debt-to-income ratio. Not surprisingly, consumers with excellent credit receive the lowest rates, but some lenders offer loans to customers with scores 600 or lower. Consumers who don’t qualify for unsecured loans may be offered secured or co-signed loans.

03. Student Loan

student loan is a type of loan designed to help students pay for post-secondary education and the associated fees, such as tuition, books and supplies, and living expenses. It may differ from other types of loans in the fact that the interest rate may be substantially lower and the repayment schedule may be deferred while the student is still in school. It also differs in many countries in the strict laws regulating renegotiating and bankruptcy. This article highlights the differences of the student loan system in several major countries.Lower Rate 3%.

04. Business Loan

Businesses require an adequate amount of capital to fund startup expenses or pay for expansions. As such, companies take out business loans to gain the financial assistance they need. A business loan is debt that the company is obligated to repay according to the loan’s terms and conditions. According to the U.S. Small Business Administration, before approaching a lender for a loan, it is imperative for the business owners to understand how loans work and what the lender will want to see from the owner. Lower Rate 3%.

Why choose us as your mortgage broker?

We get tough loans approved

Our expertise is in helping customers who have unusual circumstances, even those that have been knocked back by a bank in the past. Where other brokers have failed, we regularly get an approval from a reputable lender.

Get the right home loan for your needs

We take a holistic approach when assessing your financial situation and long-term goals to ensure that you get a home loan that’s right for you.

Get incredible interest rates

Because of the relationships we have with our panel of lenders, we’re able to negotiate a sharp interest rate based on the strength of your application.

Fast approval, easy process

We can help you navigate the often complex pre-approval and application process, helping you to achieve your dream of owning a home much easier and in much less time.

Our customers love us

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Our outstanding achievements

We’re the winner of multiple industry and consumer awards including best customer service and brokerage of the year.

You can trust us

In a crowded market, it’s hard to know who you can trust. As experts, we regularly provide commentary to Sydney Morning Herald.

We aren’t owned by a bank

Our expert mortgage brokers will provide you with down-to-earth home loan advice and as a credit licence holder.