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The major benefit of using a broker to finance other large purchases besides property is obtaining finance that is tailored to fit your current financial circumstances and needs.
With depreciating assets, the right finance can also potentially save you money on interest and fees, or potentially help you maximise your tax benefits.
Not sure what kind of loan you need for your current financial circumstances? That’s our job.
We deliver tailored finance solutions chosen from a panel of leading lenders, and give you peace of mind that your loan is working for you.
Explore a comprehensive range of services designed to assist you in achieving your financial objectives.
With deep expertise in the mortgage industry, we offer a complete solution for all your home loan needs. Whether you're looking to refinance or invest, our team is committed to delivering personalised support and professional advice.
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Begin your homeownership journey with our first home loan options, tailored to help you purchase your dream home.
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Discover our investment loan options, crafted to support the growth of your property portfolio.
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Tap into your home's equity to access funds for renovations, investments, or other financial goals.
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Invest in property using your self-managed super fund with our specialised SMSF loan products.
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Obtain financing for your trust's investment projects with our trust loan solutions, optimised for success.
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Improve your current mortgage terms with our refinancing options, designed to help you save money.
View MoreJust starting out and not sure what kind of loan you need? No worries! We are here to help. As a first home buyer, you can obtain finance from a financial institution (a loan) either to purchase or secure against the property, with our assistance. Features of a mortgage such as the size of the loan, maturity of the loan, interest rate, method of paying off the loan and other characteristics can vary considerably. It’s always best to speak with a professional mortgage broker to discuss your options. We can also help you determine your eligibility and apply for the First Home Owner’s Grant
Commercial property and business lending policies and interest rates are rarely found on lender’s websites. Unlike residential home loans, the pricing of a commercial loan can be negotiated based on your background in business and the security to be offered. If you need help to refinance or purchase commercial property, just contact us today.
Investment loans are structured in a specific way to allow you to make the most of your assets and finances. We can work with your financial planner and accountant to ensure your loan is set up to meet your specific needs, and we have access to competitive loan options that can help you maximise your investment returns.
The variable rate loan offers more features and flexibility than the basic fixed rate loan. Variable rates can move up and down with the market whereas fixed rate loans are set at a fixed rate for a specified period – usually one to five years. This gives you the advantage of knowing how much your repayments will be, allowing you to organise your finances without the risk of rising interest rates. However, this advantage is offset by the possibility of not benefiting from a drop in rates.
A honeymoon loan (or introductory loan) is a loan with lower interest rates or lower repayments for the first six to twelve months. After the ‘honeymoon’ term, the loan becomes a standard variable rate loan and the repayments will change to include the current standard variable interest rate. When taking out a honeymoon loan, it’s important to make sure you can meet the potentially higher repayments for the remainder of the loan. You could also be faced with a fee at the end of the honeymoon period if you want to switch to another type of loan. Honeymoon rates can last up to 3 years. Loans always need to be reviewed after the honeymoon is over.
A bridging loan may be necessary to cover the financial gap when buying one property before your existing one is sold. This finance is secured against the existing property (utilising equity) and the new property being purchased. Usually, bridging loans are short term (normally 6 months) to allow for the sale of the original property and can be more expensive than other types of loans. There are alternative ways to finance a change from one home to another, so please talk with us to discuss your options.
Need finance for another large purchase besides your home? You can also ask us to access competitive finance options for private cars and recreational vehicles, commercial vehicles, plant and equipment for your business and other kinds of small business loans for a variety of purposes. These finance options may include personal loans, car loans, a variety of leases, commercial leasing options, chattel mortgages and more.
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Ausfirst Lending Group Australian Credit Licence Number: 387366 | ABN: 68 845 798 048
Finsurance Pty Ltd t/a Ausfirst Lending Group credit representative number 414391. Finsurance Pty Ltd is a credit representative of Oshawa Pty Ltd Australian Credit Licence number 387366. AFCA 42404
Your full financial situation and requirements need to be considered prior to any offer and acceptance of a loan product.
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