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Consider Personal Secured & Unsecured Options

Ensuring you select the most suitable credit product is the first step to securing the most affordable loan. Secured credit products are suited to financing goods that are accepted as collateral. Goods such as cars, boats, caravans and motorbikes. With the loan secured, lenders offer better rates compared with unsecured credit and may approve higher credit limits. Unsecured credit products are flexible facilities which can be used to finance a range of personal expenses such as weddings, holidays, some home improvements, education and medical costs. Rates are higher than secured credit as the purpose of the loan is not required as collateral. To check your eligibility and which loan product best suits your requirements, contact our brokers.

Select the Right Commercial Credit Facility

To address specific requirements, businesses can select from a range of commercial credit facilities. Selecting the right product is integral to achieving the objective. Assets including trucks, plant, machinery and equipment and motor vehicles can be financed with Leasing, Chattel Mortgage, Rent-to-Own and Commercial Hire Purchase. Differences across these options include suitability to cash or accruals accounting, balance sheet entries, tax deductions and interest rates. Non-asset expenses may be financed with Secured and Unsecured Business Loans and our highly competitive Lender Overdrafts. We also offer targeted solutions with Debtor Invoice Finance and Insurance Premium Funding. Speak with our brokers about the most suitable credit facility to achieve your objectives.

Prepare by Estimating Repayments with Loan Calculator

Whether a personal or a business loan is required, preparation and planning may contribute to achieving a better outcome. We provide a free and easy-to-use finance calculator to assist with loan planning. The device is versatile and flexible and can be used to estimate repayments on all types of loans. Simply select the appropriate interest rate for the required credit product. All values entered can be changed to work up different results on different loan amounts and terms. Compare different makes and models, make decisions around how much deposit to commit, and plan how you would like your loan structured. Prepare business budgets and plan cash flow requirements. Get your estimate now.

Get Pre-Approval and Buy to Your Credit Limit

Achieving the optimum finance outcome may be assisted by getting a pre-approved loan. This involves applying for finance prior to committing to the purchase. We source the best offer and process the application through to the conditional approval stage. Applicants know their credit limit and know the repayments on the loan required. Enabling them to select the vehicle, boat, caravan, motorbike or business asset in line with their finance commitments. Having a pre-approved loan may also prevent last minute, knee-jerk decisions to sign up for loans which are not as affordable as we could secure for you. When the purchase is made, we finalise the loan in line with the exact amount required. Pre-approved loans are valid for a timeframe which we will advise. If the purchase does not proceed and the loan is not required, there is no obligation and the offer expires. Submit your details to apply now.

Use a Broker for Personal Service, Individually Sourced Finance

Taking on finance is a major move for many individuals and business owners. Everyone has their own personal requirements and objectives, and the process deserves personal attention. Using our broker services ensure your best interests are paramount as our experts individually source you the best loan offer. Using our services ensures you have a large lending market covered quickly and efficiently without impacting your credit profile with multiple applications. Both individuals and businesses can use our services – connect now!