0431 230 733
claire@acornmortgages.com.au
Our Services
We pride ourselves on delivering proactive service and support. With literally hundred of loan products on the market today, it is our job to help you find the right solution to suit your individual needs and servicing ability.
Supporting sustainable energy goals
Just starting out and not sure if you qualify for a green loan? No worries! We are here to help. As a supporter of green energy initiatives, you can obtain finance to manage the cost of upgrades such as solar installation, double glazing, heat pumps or batteries, with our assistance. Energy efficient features of a house which are already in place, or being added can earn you a lower interest rate than a standard home loan- as a thankyou for supporting the planet and climate initiatives. It’s always best to speak with a professional mortgage broker who understands the importance of these features in your home and your preferences for sustainability.
Investment Loans
Investment loans are structured in a specific way to allow you to make the most of your assets and finances. We can work with your financial planner and accountant to ensure your loan is set up to meet your specific needs, and we have access to competitive loan options that can help you maximise your investment returns.
Commercial Loans
Commercial property and business lending policies and interest rates are rarely found on lender’s websites. Unlike residential home loans, the pricing of a commercial loan can be negotiated based on your background in business and the security to be offered. If you need help to refinance or purchase commercial property, just contact us today.
Standard Variable & Fixed Rate Loans
The variable rate loan offers more features and flexibility than the basic fixed rate loan, so the rate is usually slightly higher. Fixed rate loans are set at a fixed rate for a specified period – usually one to five years. This gives you the advantage of knowing how much your repayments will be, allowing you to organise your finances without the risk of rising interest rates. However, this advantage is offset by the possibility of not benefiting from a drop in rates.
SMSF Loans
A loan for Self Managed Superannuation Fund (SMSF) is assessed from the Superannuation guarantee contributions and personal contributions and any income earned from assets owned in your SMSF. Many people create an SMSF to further build their property portfolio when borrowing capacity using personal income becomes ineligible due to borrowing capacity. It is also an ideal way to buy premises for your own business to occupy. SMSF loans typically have principal and interest repayments, can be refinanced for more competitive rates, but cannot draw equity from the asset. Some lenders have features that others don't, so please highlight what you need.
Bridging Loans
A bridging loan may be necessary to cover the financial gap when buying one property before your existing one is sold. This finance is secured against the existing property (utilising equity) and the new property being purchased. Usually, bridging loans are short term (normally 6 months) to allow for the sale of the original property and more expensive than other types of loans. There are alternative ways to finance a change from one home to another, so please talk with us to discuss your options.
Asset Finance
Need finance for another large purchase besides your home? You can also ask us to access competitive finance options for private cars and recreational vehicles, commercial vehicles, plant and equipment for your business and other kinds of small business loans for a variety of purposes. These finance options may include personal loans, car loans, a variety of leases, commercial leasing options, chattel mortgages and more.
Not sure what kind of loan you need?
The major benefit of using a broker to finance other large purchases besides property is obtaining finance that is tailored to fit your current financial circumstances and needs. With depreciating assets, the right finance can also potentially save you money on interest and fees, or potentially help you maximise your tax benefits. AND MORE – Not sure what kind of loan you need for your current financial circumstances? That’s our job. We deliver tailored finance solutions chosen from a panel of leading lenders, and give you peace of mind that your loan is working for you. Contact us today to find out all the ways we can help you.
Membership
