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Products and Services
Whether you are thinking of buying or refinancing, leasing, personal loan, general insurance or protection or even if you just want to know how much you can borrow, or simply want to know what options are available, we make it our priority to help you in every way and every step of the way.
We can offer over 1000 products and it's our job to work out which ones best suit you. Importantly we don't sell our own loans so that way you can be sure we really have your interests at heart.
This is the way it works – you let us know what you are looking for and once we have confirmed your requirements, we offer you a number of suitable loan options, highlighting the benefits of each and the savings you will incur. This allows you to make informed decisions about which loan better meets your specific needs.
Once the product has been chosen, we put the loan application together and submit it to your chosen lender/institution on your behalf. It's then our job to manage your application all the way through to settlement. This includes liaising with external parties such as real estate agents, solicitors or settlement agents to ensure a smooth path to settlement. Our aim is to provide you peace of mind so that you can continue your everyday business or employment hassle free, with extra time to spare, because Five Finance has saved you money and extended your quality time.
Our team of finance specialists provide a premium service and this sets us apart from many other finance companies. Not only do we follow the progress of your loan from application to settlement, but we ensure we are always available to help with any query about your loan via phone or appointment. We keep you up to date with product news and enhancements of interest to you via our Five Finance Newsletter.
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How much can I borrow?
If you're thinking of buying a new home or investment property, the first thing you need to know is how much you can borrow.
You can get a guide by using our how much can I Borrow calculator
However, for a definite appraisal you should speak to one of our (Finance) finance specialists as it's amazing how much this figure can differ between different lenders.
Our finance specialists can organise pre-approved loans so that you can confidently make an offer or bid on the home of your dreams. Of course our finance specialists can also organise loan approval at any time during your property negotiation.
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First home buyers
The First Home Owner market is one of the most competitive for all lenders so how do you know which home loan best suits your needs?
That's why you use us! We have the time and experience to find you the best deals from our panel of over +42 lenders. So, no matter whether you have a deposit saved, require 100% funding or are able to rely on family to support your application, we can provide you with competitive options.
We'll determine how much you can borrow as it's amazing how much this figure can vary between lenders – and an important tip - it's a real advantage to obtain a pre-approval of finance before you start your home search. That way once you find your dream home you can move quickly and confidently knowing your loan has already been approved.
There are also a range of first home owner benefits available from both State & Federal Governments. These range from $7,000 grants to reductions in stamp and mortgage duties. We'll help you through this maze and determine your eligibility.
Our finance specialists can also provide you with a copy of our First Home Owners Guide that provides heaps of information.
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Moving house
Moving house can be a great time to revisit your home loan. It doesn't matter whether you are up-grading or downsizing as home loan packages are changing rapidly, so now is the perfect time to consider a FREE FIVE Finance Health Check and make sure you've got a the optimum deal/package.
Our Finance specialists can also assist with bridging or home to home loans that provide funding for a new home while the old one is being sold. These are freely available but often have different terms and conditions so we can help find a bridging product that best suits your requirements.
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Investors
Hundreds of thousands Australians buy investment properties every year as part of their overall financial plan. Often this plan includes financing the purchase to take advantage of potential tax concessions and negative gearing.
There are a number of options when it comes to financing investment properties dependent upon your current financial circumstances. If you already own your own home, you may be able to use some of the existing equity in that property to support you application for 100%+ funding of your investment property. If that's not an option, there are still numerous possibilities available to secure your loan and one of our finance specialists can provide you with all the information and a range of products to suit your particular needs.
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Free Finance Health Check - Restructure or Refinance?
Have you got a loan and are concerned about the interest rate and fees you are paying?
Have you not checked your loan statements or don't know how to work out your interest payments and don't know if you are still competitively priced in the market?
Banks are constantly enhancing their product ranges but often they don't tell existing clients that they have a cheaper product available.
It's amazing how many times we have reviewed a client's current loan only to find there is a cheaper or more efficient product provided by the same lender. That means there is no need to refinance, just restructure within the same lender and save!
Sometimes it makes sense to refinance a loan to a new lender. In this circumstance we will take into account all the costs associated with a refinance and make sure that it makes financial sense to refinance the loan. We will also educate you so you know how to check for yourself in the future and if you have issues you can call us to discuss.
We have been able to save clients 10's of 1000's of dollars by simply reviewing their current loans.
To obtain your personal Finance Health Check simply complete the Finance Health Check Form and a finance specialist will be in touch to discuss your options.
It's free and no obligation, so why not see if we can reduce your interest bill!
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Debt Consolidation
Debt Consolidation is the process of changing multiple loans with a single loan which will reduce your monthly payments by spreading out the combined loan over a longer period of time and reducing the interest rate being paid.
It is especially useful for borrowers carrying large credit card or personal loan debts where those loans can be rolled into a home loan facility.
Instead of paying high teen interest rates on your credit card or personal loan, you may be able to refinance and pay home loan interest rates instead.
Debt consolidation should be part of an overall financial plan and budget strategy and our aim is to keep you on track. There is no sense ramping up the credit card debt over and over again it works against logic.
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New entrants to Australia
If you are new to Australia and are buying a property you should deal with a Five Finance new resident lending expert.
Apart from the time factor, there are all those other hurdles which you, as a new resident will need help with, for example:
· What product suits my needs?
· How much can I borrow against the property's value?
· Do I need Foreign Investment Review Board approval?
· Do I qualify for any first home owner benefits?
We understand these issues and can make it all look easy all you have to do is ask us.
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Expats
You could have your loan in the same currency if you are living overseas and earning foreign currency income?
The following foreign currencies are currently available:
· Hong Kong Dollar (HKD)
· United States Dollar (USD)
· Singapore Dollar (SGD)
· British Pound Sterling (GBP)
· Euro (EUR)
· Australian Dollar (AUD) loans are also available.
*Interest rates range between 3.8% and 6.62%p.a. depending upon the currency. Details of all terms, conditions and fees are available.
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Commercial
Five Finance has been providing business and commercial loans for a number of years now. We have over +33 specialist commercial lenders on our lender panel so no matter whether you need a loan for:
· the purchase of commercial property;
· commercial development finance;
· business finance secured by commercial or residential property; or
· rural and agricultural land and business purchases.
Our finance specialists can assist with your commercial enquiry. Commercial loan products have become extremely competitive in recent times. Institutions now offer retail interest rates for vanilla commercial transactions, whilst others tend to support certain industry sectors and are willing to look very favourably at niche markets.
Business packages can allow small business owners to use their residential security for both business and personal lending needs at a home loan rate. These packages can be split into sub accounts like s a home loan, a loan for the business and an everyday overdraft account.
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Leasing/commercial hire purchase
We have various lenders on board that provide specialist services and packages for capital or leasing finance.
This allows us to provide finance options for:
· passenger and commercial motor vehicles including the newly released "preferential prestige leases" > $75,000
As well as for a range of income generating plant and equipment such as:
· construction, manufacturing, industrial plant & equipment;
· mining, printing, medical, electronic & computer systems; and
· agricultural and farm machinery
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Personal loans
Personal loans aren't ideal for everyone, but sometimes they can be extremely useful as a fast and efficient way to access some extra cash provided you know all the terms and conditions.
Often they are used to assist with small home renovations, purchasing furniture or a boat etc.
Our Finance Specialists can facilitate personal loans from $5,000 onwards with same day approval in most cases and loan documents delivered immediately on-line. Interest rates are fixed so you'll know exactly how much you'll be paying and how long it will take to pay it off. In addition you get to choose a term that suits your budget.
It's convenient, fast and flexible.
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