Rates
Loan Inquiry Form

Many of our clients are businessmen who have assets and income but perhaps because of tax minimisation schemes etc. are unable to prove adequate serviceability to banks because their 'financials' bear little or no resemblance to their real income.

We do not require taxation returns, cash flows, business plans or budgets, etc. - although cash flows are required for construction loans for progress payment purposes. We do not apply income or gearing ratios when considering mortgage proposals and credit checks are normally only conducted for the purpose of identifying undischarged bankrupts.

Suitable securities include - homes, shops, offices, vacant land, factories, farms - indeed almost any form of 'real property' is acceptable including specialised securities such as service stations, squash courts and cool stores!

The current Credit Act requires that borrowers declare the loan purpose - either a loan under the Credit Act - a consumer loan (house purchase -owner occupied, holiday, consolidate personal loans, vehicle purchases -for personal use etc.) OR if the monies are to used for predominantly business or investment.

See Rate page for current interest rates and loan criteria and/or email the Loan Inquiry Form for a full written indicative offer/quotation which includes: confirmation of amount, rate and term, applicable fees, application forms and a procedure page outlining steps to settlement.