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Commercial Loans.Are you looking for the most competitive margin?
- We negotiate with several banks on your behalf.
- Where commercial security is offered.
- This can include property zoned retail,
commercial, industrial.
- Can include Hotels, Shops, Offices and other
commercially zoned property.
- We have relationships with some banks that can
offer some very attractive deals.
- Some banks specialize in certain types of
Commercial Loans.
Are you looking for Savings and the most appropriate product for you?
With the banks competing for your business, most people these days can qualify for between 0.5% to 0.75% discount off the Standard Variable Rate.
- Over 400 different products.
- We can determine the most competitive product
and interest rate appropriate to your particular
situation by our specialist knowledge, combined
with software updated on a daily basis.
- Introductory interest rate discounts.
- Ongoing interest rate discounts.
- Discounted professional packages.
- 100% offset accounts and all the other “bells &
whistles”.
- Construction loans.
Business Loans.Are you looking for the best structure and lowest cost?
- 30 different banks and lending institutions to
select from.
- We determine the most competitive structure
and interest rate appropriate to your
particular situation.
- Secured by residential property or
commercial property.
- Some business loans can be structured at
residential rates.
Investment Loans.
Are you looking to achieve maximum return on your investment?
- Full range of investment loans.
- Ongoing interest rate discounts.
- Discounted professional packages which
include 100% offset accounts and all the other
“bells & whistles”.
- Also included are construction loans for up to
4 townhouses.
*Generally, if tax returns are not available and residential security is offered; the lending ratio is 80% or below then most of the above products is still available.
Property Development Finance
- There are numerous ways of structuring a
property development.
- We deal with over 10 institutions that specialise
in development finance.
- Some can lend up to 80% of total project costs.
- Other can lend up to 70% of the end value (GRV).
- Additional Mezzanine Finance can also be
arranged.
- Some do not require “Pre Sales”.
Some benefits being enjoyed by developers who have utilised our expertise to structure and arrange the finance for their projects are;
1. Lending on current market value and not purchase price.
2. Reimbursement of capital expenditure incurred to date.
3. 100% funding to project completion, upon release of construction certificate by council.
4. Funding on the completed value and not just the “hard costs” or “total costs”.
5. More projects completed p.a. with the same capital outlay.
- You maybe interested in seeing a comparison of the 2 major methods of funding a development project, as the way a project is funded will affect your Return on Investment (ROI). Please email Development Finance Comparison Please? and request the generic comparison.
Motor Vehicle & Equipment Finance.
For Mortgage Excellence clients.