Residential Finance

Investors Each and every home buyer is different. Whether you are buying your first home or your tenth, the competitive home loan market changes every day. With new products and offerings available all the time we make sure every customer is given the best options to suit their needs time and time again. First home Buyers The first home buyers grant provides eligible first home buyers with a grant (lump sum of money) from the government. Don’t know where to start? Let us work it out for you and together we can help you secure your first big investment. We can help lodge your First Home Buyers Grant and be with you every step of the way. We understand your first purchase is scary but we are here to help you understand the process and feel comfortable with your commitment, because remember it is a vey exciting time in your life and potentially very rewarding! Low Doc The perfect option for Self Employed Applicants, low doc loans allow you to borrow up to 80% whilst self-certifying your self employed income. This is a flexible solution for those who have income and assets, but are unable to provide the necessary financial and taxation information at the time of their application. Because we are familiar with the lending policies of each lender, we can recommend a lender who will look at your application in a favourable light.

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Commercial Finance

XYZ Finance can offer commercial loans to assist with the purchase of a business or to purchase a commercial property whether it is your own business premises or a commercial property for investment purposes. Specialist lending is also available for the purchase of certain franchises. We will source the best finance package from the wide choice of lenders on our panel, from short term facilities to long term business loans providing the right solution for your business needs.

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Equipment Finance

Whether you are starting a business or have been running a business for some time, there are constant pressures to fund expenses. By taking advantage of equipment finance, you can reduce your businesses cash outlay. Competitive rates and monthly repayments allow you to spread the cost over the lifetime of the loan. If you're in business and need equipment finance for machinery (trucks, trailers, excavators, bobcats and forklifts), office & IT equipment, furniture, trucks, motor vehicles and the like, XYZ Finance can find the right solution for you. We have a wide choice of lenders to choose from and most importantly have the expertise to meet your needs. Depending on your circumstances, we can offer a range of products such as Leasing, Hire Purchase and Chattel Mortgage, flexible payment options to suit your cash flow such as monthly, irregular or seasonal repayments and options for balloon payments at the end term, whilst at the same time ensuring competitve rates. You name it, we can finance it!

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Personal Finance

Looking to purchase a new or used car – XYZ can help. Competitive rates and monthly repayments allow you to spread the cost of your car purchase and preserve your cash. We offer a wide choice of vehicle finance options from chattel mortgage, hire purchase or leasing. We also have a range of personal loans to suit each individual – whatever the need may be we can assist; this could be used for your overseas holiday.

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Debt Consolidation

There’s only one worse feeling than drowning in debt and the uncertainty it brings, and that’s paying off the debts every month and feeling like you are getting nowhere. In a world of instant gratification, a large proportion of the population has a large amount of personal debt. If your debt is out of control, consolidation is the only way to go. Whether you are just looking to consolidate a credit card debt into a personal loan or combine all your loans into one, XYZ will find the right solution for you. By combining all your debts into one loan you can save a bucket load on interest and fees. Refinancing your consumer loans and home loan together into one neat little package, can allow you to put the savings on your mortgage loan, which may take years off the life of your loan. To help you take a step in the right direction we analyse your situation to make sure the new loans is paid over the shortest possible time (to reduce the interest paid), while still allowing you to live comfortably. We can also assist you to obtain a Visa debit card, so you can still purchase things online but using your own money, and you can cut up that nasty credit card that got you into this situation in the first place.

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Deposit Bonds

Deposit Bonds allow you to purchase a home or invest in property without having to provide the deposit in cash. A Deposit Bond Guarantee is a substitute for the cash deposit required when purchasing a residential property - you simply pay the full purchase price at settlement. Both short and long term guarantees are offered to suit any settlement terms.

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Insurance

At XYZ Finance we cater to all insurance needs. General Insurance eg: Car, Home, Motorbike, Boat and Landlord and we can also assist with Risk Insurance eg: Life, TPD, Income Protection etc.

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Finance & Wealth Creation Coach

Finance & Wealth Creation Coach - We will be a Finance and Wealth Creation Coach for you. In addition to assessing your financial position, we can pre approve you for future borrowings so in partnership we can accelerate your property portfolio.