There are a number of products on the market and it is important that you find a solution that best suits your needs and affordability. Your full financial situation will need to be reviewed prior to acceptance of any offer or product.
At Kaizen Finance Brokers, we pride ourselves on our ability to get your loans settled!
We have extensive experience in all things lending, including:
First Home Buyer
Home buyers can obtain finance (a loan) to buy a property, where the property is used to secure the loan (mortgage). There are a wide range of different mortgage products in market to help buyers. Features of mortgage loans 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 mortgage broking professional to determine the loan that is right for you and if you're eligible for the first home owners grant or other concessions.
Having access to the right business finance options for business owners can greatly impact their success and cash flow.
Kaizen Finance Brokers helps business clients secure funds to start, manage or grow their business. Regardless of the businesses size, we have access to a range of commercial lenders to provide you with the most suitable and competitive product to suit your business needs.
Unfortunately, honeymoon loans don't relate to newly weds. It is basically a loan with lower repayments for the first six to twelve months. After the ‘honeymoon’ the loan becomes a standard variable loan and the repayments increase. Make sure that you can meet the higher repayments for the remainder of the loan. You could also be faced with a fee at the end of the honeymoon period to switch to another loan type. We'll help you determine whether this is a option suitable for your circumstances.
Investment loans are structured in a specific way that allows you to make the most of your assets. An investment plan is one that works toward building your wealth and securing your financial freedom. For some, the future may seem a long way off, but the time to act is now because the future waits for no one. The housing market is generally a seven to ten year cycle: there are always highs, lows and steady patches.
Standard variable & fixed rate loans
Variable rate loans typically offer more features and flexibility than fixed rate loans. Therefore, the rate is usually slightly higher. Fixed rate loans are set at a fixed rate for a specified period – usually one to five years. The advantage of allowing you to organise your finances and repayments without the risk of rising interest rates is offset by the disadvantage of not benefiting from a drop in rates.
There are other limitations and benefits of either loan type that we're happy to go through with you. It’s always best to speak with a mortgage broking professional to choose a loan that is right for you.
A bridging loan may be necessary to cover the financial gap when buying one property before the existing one is sold. This finance is generally secured against your property as you are utilising the equity in your existing property. Usually, bridging loans are short term and more expensive than other types of loans.
Self Managed Super Fund Lending
A self managed superannuation fund is primarily a way of having greater control over the investment and future distribution of your retirement nest egg.
Many people choose to invest their superannuation funds in property once their private super fund has been established.
We can help put you in touch with professionals who can assist with determining if this is an appropriate option for you or help you set up a fund.
Whether you're after a new car or you're a business owner looking to upgrade your fleet or equipment, we have a range of solutions to assist you make the right choice with highly competitive rates on offer.
We can assist you with:
We also specialise in helping you secure your loan and financial freedom by offering risk and life insurance. Through our valued partnership arrangement with an insurance brokerage firm About Risk we are able to offer our clients a range of different insurance opportunities. This service offers free consultation and even if you are happy with your current insurer for your home, business or any other insurance requirement, call the office for a second opinion on price and cover.
Refinancing Your Mortgage
Many people contact Kaizen Finance Brokers to investigate whether their current mortgage is competitive and still matches their needs. Comparing the loan market and managing a refinance on your own can be difficult. We will work behind the scenes to ensure its a smooth process.
We'll help you determine what your needs are, present you with the most competitive and suitable products, handle the paperwork and requirements such as settlement and keep you up-to-date, every step of the way.
Of course, if your existing mortgage is still the best option for you, we'll tell you that too!