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Mortgage lenders consider 80% LVR full doc and 60% low doc are a safe margin to keep as security on mortgages. Therefore you may find many home loans at this level by many lenders and give you an opportunity to save money through high competition. Customers are not required to pay LMI in such a loan.

Lo doc mortgage loans to 80% LVR with LMI is available. Most banks require last 3 months business bank statements and BAS for these mortgages. There are non conforming lenders who offer home loan to 85% without BAS at very high interest rates.

Most of our products below refer to full doc home loans. Best mortgages have lower interest rates and cheap fees, lowest cost. Australian mortgage loan is not available for securities overseas.

When the Loan to Value Ratio is higher, lenders cover higher risk by Mortgage Insurance. This cover the risk lender is undertaking. Customers pay for them but there is no Insurance Cover to protect customer. Only advantage to customer is that they will be approved for loans without a huge initial deposit. If you need 95% loan, you may pay closer upon 3% just for LMI.

Solicitor Fee, Application & Valuation fee could cost you a few thousands of dollars. There are other small incidentals too. Finally you need to pay Stamp Duty as per regulation in your STATE. Non Conforming Lenders may have RISK fee similar to LMI. You are expected to have minimum 5% genuine savings and sufficient money to pay above fees when you obtain a home loan in Australia.

More the LVR there are less number of mortgage loans available. This means your choice is limited and will have to accept any home loan available to you rather than looking for bargains. Probably these mortgages will have high fees and above average interest rates.

If you have any other limitation such as a bad record, once again loans are limited. This means you pay higher interest rates and fees. There are some banks who may consider you for a home loan with $500 Telco default 2 years ago. Then you cannot get 95% LVR.

We deal with many lenders. You can find most rare home loans through us. 85% low doc without BAS, 85% bad credit under many postcodes, 1 day ABN 60%, 95% mortgages without genuine savings, small apartments less than 40 sqm 60% are a few of them. As explained before, lesser the number of lenders offer products, higher the interest & fee you will pay.

Commercial Loans

Commercial mortgage lenders consider 75% LVR full doc a safe margin to keep as security on mortgages. There are loans to cover 100% cost based on end project basis.

Commercial projects up to 5 million dollars for construction may be considered. Mortgages are over buildings such as Office or Factory. There are loans for Debtor Finance as well.

These loans are covered by different regulations. A commercial broker may charge a fee from you for his/her service. There are very competitive mortgage rates available.

Lo Doc Commercial Loan

Construction Loans

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Small Business Loans

Small business with 2 years ABN & GST registration can apply on Lo Doc Basis. BAS and bank statements for last three months may be required. If you have 2 years tax returns your chances are better to obtain upper lvr limit.

Car loans are considered as commercial product as some of them come as leases. Leasing vehicles may have tax advantages to business, you are expected to get advise from an Accountant on them. Novated lease is designed to absorb other vehicle related expenses as well.

You can access car manufacturer sites from our web. We offer auto loans that are better than what your dealer offer, it is free for you to obtain a quote. We may help you even to get a bargain from your dealer through our associated company.

Car loan for your BMW Audi Mercedes Benz or Ford Holden Toyota Daihatsu, we have loans. For a fleet we may arrange a operating lease. What make your car does not matter, we deal with all brands.

There are equipment leases for IT, Mining, Dental or another. Read More

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