1300 36 36 99
Our aim is to find you the best loan for your set of circumstances and to make it simple and easy for you.
You will need proof of income, as now you are chasing the best loan for your set of circumstances.
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Have you had any “bad credit” or credit issues in the past?
If so we might need to analyse you credit report first before we make a decision on what lender would be best suited to you. It is important to let us know if you think that there might be a “glitch” on your credit report since we can very easily arrange a report for you.
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| ii. |
What is your disposable income? If high, then you may potentially be better off with a line of credit or 100% offset loan.
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| iii. |
What are you feelings about potential rate increases? If negative and you are risk averse and possibly on only one income, then a fixed rate might be your choice or even a combination of a proportion of the loan fixed and the balance variable.
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| iv. | Do you have any personal preference for any bank or other lenders? |
| v. |
How much do you need to borrow? Maximum lending limits differ greatly between lenders. Your loan request and maximum limit might mean your choice is restricted to only one lender, because you are looking to borrow more than the other lenders will allow you.
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| vi. |
What are your future plans and how will those plans effect the product selected?
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With the above questions answered we then consider the interest rates, applications fees, valuation fees, lender’s legal fees, monthly ongoing fees and any payout penalties. Terms and conditions of the loan and loan features will also be considered in conjunction with the expected term of the loan which will determine the average annual percentage rates charged by different lenders.
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No cost => Awesome. Very helpful and seem to give good, pertinent, current advice. Wonderful service and very sweet unexpected gift hamper with all its goodies arrived after we’d moved into the new place.
K & S G-P 17 May 2012