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Home Loan
A “home loan” or “mortgage” is a loan from a financial institution in return for security over the property you are using the loan to buy. A typical home loan can be a 25 or 30 year term, with regular fortnightly or monthly repayments designed to pay off the loan over the contracted term.The loan is secured against your property. If you have insufficient funds to continue paying the loan, the lender may ultimately require you to sell the property to settle the debt.
Personal Loan
A personal loan is where you borrow a specific amount of money, usually from a financial institution, and then repay the debt with interest in equal payments over an agreed term. There are two types of personal loans: secured or unsecured.The personal loans have the advantages of being cheaper on average than the closest alternative, e.g. credit cards, as well as being flexible, allowing the borrower to make extra repayments to shorten the life of the load and overall cost.
Car Loan
The purpose of a car loan (also called vehicle loan) is to purchase a motor vehicle such as a car, Ute, or motorbike. A car loan is perfect for someone who has insufficient funds to purchase a new or used vehicle but, can afford to repay a loan in monthly installments.
Commercial Loan
Commercial loans offer a wide range of options that have variable or fixed rates, or a combination of both, as well as principal and interest or interest-only repayments. Commercial loans can also feature a line of credit facility.One element to consider, however, is that you will probably need a larger deposit (commonly 30-35% of the purchase price) to secure a commercial mortgage.Common commercial loans:• Buying or refinancing commercial property• Property development and construction loans• Subdivision finance• Mezzanine debt finance• Buying or refinancing a business
Equipment Finance
Equipment finance is commonly used as part of a business recovery program to improve cash flow and working capital. It typically involves a lender giving a business finance that is secured by a piece of equipment.
Check your current rate
Check your current rate if it is suit for you. There are two types of rates in residencial loan. Varible rate and fix rate. Come to have a talk with us to disscuss which one is suit you the best.