Services
What We Do
Service With A Smile
Financial advice service is our hobby and life dedication, dedication as a passion for quality work and creative solutions to address arising issues. We value our clients, their assets, and their career goals thus, so we firmly believe that with the industry knowledge, we have the ability to build and maintain a long-life partnership to support you in all your property and business adventures, whatever they might be.
Development and Construction Loans
Every project is unique, as can be the requirements, life circumstances and goals. By communicating with developers daily, we understand your challenges and provide a hands-on approach to support you to make your life easier. We have the knowledge and experience to deal with banks’ QS, tight budgets, contingency funds utilisation, defaults, and other complications.
Development Loans include:
- Land banking
- Land preparation
- Construction loans
- Equity release/refinance options, including completed developments without completed paperwork, under defaults with current lenders
Specific Requirements:
- Pre-sales/no-pre-sales options
- Keeping completed properties or partial sales
- QS/no QS options
- 2nd Mortgages
- Joint Ventures
Available funds:
- Bank Finance
- Hybrid Finance
- Finance Companies
- Private Lenders
- Platform Lending
Commercial Loans Include:
- Warehouse Purchases
- Retail Spaces
- Office Buildings
- Business Acquisitions
- Other GST-Claimed Assets
Specific Requirements:
- Partial/completed top-ups from existing residential portfolio
- Start-ups with none-secured lending
- Cash Flow Equity Releases
- Re-investment to other than residential products options, including joint ventures, shares in commercial products etc
- Future Income Utilization
Commercial Loans
We provide direction and advice when engaging in large and often risky commercial or business loans. Our clients trust us because we understand that these loans demand the highest confidentiality and expertise.
Home Loans
When purchasing a house, there are many different situations can impact on your decision, buyers often doubt if they are eligible for a bank lending or straggling to find the right people to provide advice on the process. We are here to providing a One-stop service including finding the right lender to suit your situation and needs, advise on the full loan application process, suggest/arrange other related professionals to help you to “get it sorted”
Home Loans Include:
- Fist Home Lending
- Investment Property Purchase
- Refinance/Portfolio Rebalancing
- Top-ups
- Refix/Restructure
Specific Requirements:
- Low Deposit - Minimum of 5%
- Parents’ Support Options
- No Deposits/Equity Release Options
- Multi-Family Options/Joint Ventures
- Up to 25 years and Interest-Only Options (non-consumer lending)
Complications:
- Liquidations
- Defaults
- Previously Declined Applications
- Commission only Incomes/Pure Development Incomes
- Age Limitations