Talking to us is like talking to 40 Banks at once!
Adelaide’s Home, Business and Corporate Finance Specialists…..since 2013
Helping everyday Australians fulfill their dreams of Home or Business ownership is why we exist as mortgage brokers and we work for you, not the banks!
We maximise your chances of securing your loan approval, as we are presenting applications to the banks every day, so we know what they are looking for and how your application should be structured and presented.
We have access to hundreds of home loan products from over 30 home loan lenders, so let us do all of the research and leg work and we’ll present you with a short list of the most suitable home loans to suit your unique situation. In total we have access to over 50 lenders, to support all of our clients needs (personal and business).
We go beyond being just Mortgage Brokers, due to our reputation and track record, we constantly receive referrals for complex transactions and we pride ourselves on being a one stop shop for everything finance.
In addition to handling new finance applications, we also provide Debt Portfolio Reviews / Makeovers. We can provide you with a review of your existing loans within 15 minutes!
Based on our experience, these Reviews / Makeovers generally uncover SAVINGS in the vicinity of $3,000-$15,000 per annum (with Home Loans) and more like $10,000 to $110,000 per annum (with Business Finance. $110k being our record in 2023! These clients had been fiercely loyal to their bank for over 20 years. So it’s good to test that loyalty every 2-3 years in our experience. We managed to renegotiate the pricing and importantly managed to maintain the bank relationship in tact. Relationships and a Fair Deal for our clients are what we strive for).
We specialise in providing the following types of finance:
Some Recent Success Stories below……
- Food Industry Business. Equipment Financing in the order of $4.5m over last 3 years, with more investment to follow, to support significant growth.
- Construction Business Commercial. Refinance Group facilities from one major to another, to support expected growth. Savings Delivered by Refinancing $65,970 (over 3 years). However the primary purpose for refinancing was relationship and service and to improve the product mix and release $3m in cash held on term deposit unnecessarily to support some of the facilities. Additionally, a SMSF Commercial Property Loan of $1.8m was arranged with a non bank to support the purchase of a new business premises.
- VAC Truck Purchase $657k
- Lawyer Buying Into The Practice $800k Unsecured
- SMSF Commercial Property Loan $850k– Moving Business Premises into SMSF
- SMSF Commercial Property Loan $550k – Moving Commercial Rental Property into SMSF
- Butchers Business Purchase & Home Refinance $890k
- Unsecured Business Overdraft $60k – arranged within 72 hours
- Unsecured Business Overdraft $70k – arranged within 48 hours
- Business Overdraft increase from $200k to $500k and interest rate reduced by 1.7%
- Commercial Property Refinance $4.7m, interest rates reduced by 0.82%, saving $40,890 per year!
- Business Refinance $6.5m, from one of the majors to another. Property and Working Capital Facilities inc Trade Finance. Savings delivered in excess of $20,000 pa, although the primary reason for refinancing was the lack of service and lack of relationship
- Commercial Property Purchase $2.5m, LVR 80%!
- Business Overdraft Refinance to secure better terms, primarily lower Line Fee!
- Debtor Finance $1m, Refinance from major bank to non-bank to support business growth coming through of 100%. Existing bank had too many onerous covenants in place around business performance which was impossible to work with given significant growth, also no concerns around Debtor Concentration with the new lender
- Numerous Vehicles Financed ranging from $35,000 through to $850,000
- New Home Purchase $2.9m using Bridging Finance, End Debt $1.4m
- New Home Purchase $575k using Bridging Finance. End Debt Nil
- Home Refinance $490k, interest rate reduced by 1.26%. Savings $18,522 (over 3 years)
- Multiple Reverse Mortgages settled, average loan amount $175k
- New Home Construction $1,200,000 Home Loan, to support new family home.
- New Home Construction $1,500,000 Home Loan (Low Doc), to support new family home.
- Home & Investment Loan Refinance from one of the majors to non major totalling $1.4m, Savings Delivered $6,300 per annum.
Our 25 years in the industry has shown, without genuine competition you’ll be paying too much……
