Home Loans and Mortgages
The road to home ownership can seem daunting at times, but it doesn’t need to be. It’s easy to become overwhelmed by the confusing terms and jargon often used by lending institutions when organizing your home loan, but that’s where your Mortgage Broker at Simple Loans Limited steps in.
We have worked hard to align ourselves and create strong relationships with all of Australia’s and Asian’s major banks and lending institutions, and are constantly educating ourselves about the latest products on offer. We use state-of-the-art software which allows us to access thousands of products to ensure you choose the right home loan for your personal situation.
At Simple Loans Limited we understand you want positive solutions and great service when choosing a loan. That’s why we have a streamlined application process to ensure nothing is missed. It’s our job to make the process of organizing the finance for your home loan as simple as possible.
There is a lot to know about property investing, and one of the most important factors is choosing the best investment loan that is in line with your personal requirements and objectives.
Investment loans vary depending on what you are looking to achieve. They can be very simple like your standard home loan, or something more complex that helps you make effective use of tax, gearing and repayments.
If you have sufficient equity in your existing property, you might consider an investment property. Whereas costs involved in an owner-occupied home loan are not tax deductible, investment loan costs are. These expenses include things such as interest, property maintenance, rates and depreciation. Our Mortgage Brokers are highly experienced, with everything you need to know in order to maximize the return on your investment and help you every step of the way.
Refinancing and Debt Consolidation
Like many people, you might be paying off a number of credit cards or personal loans, in addition to your home or car loan repayments. If your financial situation has become complicated, Simple Loans Limited can provide you with expert analysis about refinancing your existing loans or consolidating your debts into one repayment, as the loan you set up years ago may be completely inappropriate today.
That is why it pays to have an expert look at your existing mortgage. Our Mortgage Brokers look at a number of factors including:
Switching / discharge costs
Your personal requirements and objectives
Aligning your home loan with your lifestyle and financial goals
With the current banking environment being so competitive, some banks will even pay for all of your refinancing costs – so talk to us today about how we can help with an interest minimization strategy to get you a better deal on your existing home loan.
Need a new or used car or vehicle? A boat maybe?
Fast and easy loans with low interest, our vehicle finance could have you driving away in your dream car today! Car finance starts from 1% per annum with no penalties for early and late repayment
Borrow secured or unsecured with a personal loan to purchase the things you need, be it a boat, a family holiday, home renovations or any surprise expenses that have come your way. With flexible lending terms we can find a financing solution and personal loan to fit almost anyone.
Looking to start a new business or expand your current? Simply Loans Limited can help you with our business financing options.
We can also help you to offer financing solutions to your customers.
Finance for property development is a specialist market that requires expertise and knowledge in order to provide accurate information.
We have a number of Commercial Finance Brokers who are commercially accredited with the major banks and lending institutions, and understand all aspects of property development such as LVR’s (Loan to Value Ratio), LDCR’s (Loan to Development Cost Ratio), GRV’s (Gross Realisation Value), in-one-line valuations and pre-sales. We also have access to a number of second-tier lenders and other private funders that can assist with equity or mezzanine debt funding.
We do the research for you and compare all available offers to ensure you are not only getting the best interest rate, but also the best deal. There has never been a more competitive time in the commercial property sector, so talk to ISL about how you can get into the market.