What We Offer
Most Australians are not home loan experts and given the many options available, it can be all too difficult and almost overwhelming to make the right decisions. As a result, most people choose to stay with their current lender and sadly miss out on saving potentially thousands of dollars.
Whether you are a first home buyer or an experienced property investor, just looking to do some renovations, consolidate debt, buy a car, or just looking to review your current loan, we will help you every step of the way and go that extra mile to ensure you are truly delighted.
More Specifically, We Can Help You With The Following Services:
Buying your first home will be one of the most rewarding and challenging purchases of your life. It can be an incredibly stressful time and it is easy to get overwhelmed during the home buying process. Also, as a first home buyer, you may be entitled to one of the New South Wales (NSW) Government’s home buyer grants or concessions. This is why it’s important to get all the facts from the beginning. At Australian Loan House, it is our aim is to help you through every step of buying your first home.
If you’ve had your current home loan for a number of years, it’s likely that your needs have changed. You may have a different financial situation, but your current home loan may not have the range of flexible features and add-ons that are now available on the market. It’s a good idea to review your home loan from time to time, to make sure it is still helping you achieve your financial goals and has all the features you need. Also, a refinanced loan will have a lower interest rate. This lower rate, combined with the new, longer-term remaining on the loan will lower payments.
If you are struggling to manage your debts, it may sound like a good idea to pay someone to fix your credit problems and roll all your loans into one loan. Consolidating or refinancing loans can work for some people if it means they will pay less in fees and interest. For others, it may only be a short-term fix, especially if they can’t meet the repayments on the new loan. Before you refinance or spend money paying a company to help you with your debts, speak to us about how we can help you.
Australian Loan House has a range of residential investment loans to meet the varying needs of investors. You can choose from variable and fixed-rate loans, as well as features like interest-in-advance, lines of credit, and mortgage offset accounts.
Low Documentation (Low Doc) Home Loans are designed for self-employed customers and small business owners who may not have access to the financial statements and tax returns usually required when applying for a home loan. Whatever features are available on the standard loan will also be available on the low doc loan. We will help you choose a home loan with a Low Doc option.
Poor financials, bad credit rating, don’t fit the bank’s guidelines? Don’t despair we can assist you with those hard-to-find loans. A non-conforming loan is a loan that fails to meet bank criteria for funding. Reasons include the loan amount is higher than the conforming loan limit (for mortgage loans), lack of sufficient credit, the unorthodox nature of the use of funds, or the collateral backing it, and so forth.
A Deposit Bond is an instrument that, by agreement with the vendor, can replace the need for a cash deposit. It is a convenient way of purchasing a property without the need to arrange a large cash depositor immediately cashing in or selling an investment that may mature at some point in the future.
A number of features will define your ideal business or commercial loan, depending largely on the type of loan you require. Are you looking for a fully drawn advance, an overdraft, or a line of credit? Are you happy to pay entry fees, exit fees, or annual fees? Perhaps most importantly there’s the question of interest and your repayment structure to consider. When it comes to your finances, it pays to make the right choice. Choose your next business loan on your terms – not the banks’.
Complaints
We hope that you are delighted with our services. However, if you have any complaints, you can raise these directly with the representative with whom you are dealing. If you are not satisfied with the response that you receive, you may contact our Compliance and Customer Service Manager, by telephoning David Hadlow on (02) 9248 6923. When we receive a complaint, we attempt to resolve it as quickly as possible, subject to a full investigation of all the circumstances involved. If you are not satisfied with the outcome of your complaint, you may refer the matter to the Credit & Industry Ombudsman (CIO) an ASIC-approved External Dispute Resolution scheme. You can contact CIO on 1800 138 422 or www.cio.com.au. External dispute resolution is a service provided at no cost to you, giving you access to an independent mechanism for the resolution of specific complaints or disputes.