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Equity Loans
Line of Credit
A Line of Credit provides you with the flexibility you need, allowing you to unlock up to 90% of the equity you have in your property, at any time. A Line of Credit facility also allows you to combine your transaction account, savings account, home loan and personal loans into one account, making your money work harder for you. Everything you earn goes into it, and immediately reduces your outstanding loan balance, automatically reducing the interest you pay.
Everything you pay comes out of the Line of Credit. The difference between your income and expenses goes towards paying off your loan quicker. Use your interest free period on your credit card to leave money in your Line of Credit for longer, saving you more interest.
Low Doc Line of Credit
Low Doc Line of Credit loans are designed to provide flexible financing solutions when you have the ability to service your loan but cannot show normal proof of earnings.
A Low Doc Line of Credit provides you with the flexibility you need, allowing you to unlock up to 90% of the equity you have in your property, at any time. A Low Doc Line of Credit facility also allows you to combine your transaction account, savings account, home loan and personal loans into one account, making your money work harder for you. Everything you earn goes into it, and immediately reduces your outstanding loan balance, automatically reducing the interest you pay.
Everything you pay comes out of the Line of Credit. The difference between your income and expenses goes towards paying off your loan quicker. Use your interest free period on your credit card to leave money in your Line of Credit for longer, saving you more interest.
Margin Lending Loan
A Margin Lending facility is a Line of Credit facility that is secured by cash, shares and/or managed funds, to enable you to leverage, diversify and grow your investment portfolio larger than you might otherwise. A Margin Lending Facility provides you with the potential for tax effective financing and access to competitive variable and fixed interest rates.
Reverse Mortgage – Seniors Loans
A Reverse Mortgage allows people over the age of 60, who own their own home, to access money while continuing to live and enjoy their own home. A Reverse mortgage converts the equity in your home to income or lump payment. The maximum Lending Value Ratio is 40% of your equity.
You can opt to receive the money in a lump sum or as regular payments, or both. The money can be used for any purpose you wish. With the lump sum option you can choose to have a variable rate or a fixed rate for ten years.
The Reverse Mortgage comes with a ‘No Negative Equity Guarantee,’ ensuring that you and your beneficiaries will never owe more than the value of your home. If there is a shortfall, this is covered by the lender.
The Reverse Mortgage gives you the ability to move homes, or top up your mortgage, and keep the same loan. It's convenient because you save the time, expense and trouble of establishing a new loan.
Your payment options are as follows:
a) You can elect not to make any payments until the property is sold or passed on to your estate, or
b) You can make interest only repayments each month.
Finance Broker Licence No. 3292
Member Since 2000
Member Number 43982
Member Number 407944