Finance Broking Services
Need to secure finance to buy your dream home or refinance to make sure you are getting the best deal on your existing mortgage? Looking at borrowing to purchase an investment property or access funds for investment? Need to lend to fund expansion or acquisition for your business?
SA Wealth Group provides access to over 40 home, investment & commercial lending providers, as well as specialist services such as novated car leases and hire-purchase finance. Talk to our brokers to explore your best options and ensure you have covered all the opportunities to finance your planned projects.
If you do choose to proceed with a finance option the service doesn’t finish there. Competition between lenders mean what is on offer constantly evolves, we will keep regular contact with you to revisit and review your deal to make sure it is still the best fit for you.
Home Loans
A home loan is a lending facility, secured by a mortgage taken over a residential property. The main use of a home loan is to purchase residential property, used as the purchaser’s principal place of residence (owner occupied) or as an investment property. Home loans can also be used to purchase vacant land, build a home (construction) or draw against equity to purchase personal assets or investments.
The term of a home loan is usually set-up between 5 and 30 years. Most often home loans are set-up over 30 years as this offers flexibility by allowing the borrower to pay the loan off faster or slower depending on available cash flow.
There are also different ways to set-up the repayment schedule, with principal and interest or interest only offered by most lenders. A principal and interest home loan is most often the set-up used for owner-occupier homes, while interest only investment home loans are set-up for investors.
An interest only loan setup can assist a client maximise the interest payable on the loan and, therefore, the potential tax benefit.
Investment Home Loans
An investment home loan is a home loan that is set up for the purpose of funding assets that are used to gain a return for the investor.
Investment assets that are most commonly purchased using an investment home loan include investment properties, shares in listed companies and managed funds.
Investment home loans are generally set-up as interest only loans so that the investor can maximise the loan amount to maximise the interest payable and, therefore, maximise their tax benefits.
Business Loans
A business loan is a lending facility that is used for the purpose of growing or purchasing a business. This could include purchasing assets or providing cash flow for the business. Typically business loans are secured by a guarantee that is supported (secured) by a residential or commercial property.
Another type of business loan facility is equipment finance. An equipment finance facility is used to purchase business equipment with a goods mortgage taken over the purchased asset to secure the facility.
Commercial Loans
A Commercial Loan refers to funding provided by lenders for the purpose of buying property such as business premises, shops, factories, purchasing assets used by a business or funds borrowed to invest into a business.
The term of a commercial loan is generally shorter than that given to residential mortgages. A commercial loan secured by a commercial property will have a term that can range up to 15 years. Borrowers can generally obtain up to 70% of the property’s valuation. The loan terms in these cases can be longer when a residential property is used.
Business loans are a type of commercial loan facility and can be secured by both residential or commercial property.
Equipment Finance or Asset Finance is used to purchase business assets. These loans have different structures that include equipment loan, chattel mortgage, commercial hire purchase or finance lease.
A property development loan is another type of commercial loan and is normally used when 2 or more properties are being built simultaneously.
Self-managed super fund holders can also purchase commercial properties using an SMSF loan with similar term to that available to the purchaser of a commercial property.
Hear from others
“It’s hard to have confidence in people, especially when it comes to money. We have been with Paul for 7 years and have found him knowledgeable and a professional adviser. He keeps himself current with the market and new funds that are available. We feel secure in working towards our retirement as a result of being with Paul and his Team.”
Robert & Emma Hickman
"Thank you does not seem enough to convey how grateful we are to Paul Katranis for handling all facets of our financial affairs. Not only is Paul knowledgeable, capable and efficient and gets us results – he repeatedly goes the extra mile to assist us through the year. Paul has the unique ability to craft an Annual Review as fun, motivational and interesting…we actually look forward to our Annual review with Paul…and it feels like time flies when we are there!
We rate Paul as better than “excellent”. Don’t go to anybody else – Paul Katranis is brilliant."
Steve & Angie Arthur
"Since appointing Paul as & his team at SA Wealth Group as my new Adviser, just prior to resigning from my job, I am much more at ease about retiring early. Paul spent a lot of time explaining how I was situated and rearranged my finances and super and insurances to suit my new situation. I feel completely secure and comfortable with the service provided to me. With regular reviews I’m glad I made the change from my previous Adviser."
Wendy Cook
"No-one can prepare for the impact a long-term injury has on a person. It affects every aspect of your existence, including and especially financial. Paul and the team at SA Wealth dealt with my financial concerns and cashflow issues with the utmost care and concern. They did all ground work to make sure I didn’t need to and could concentrate on my recovery instead. And for that I am truly appreciative."
Natalia Ezergailis
"Our experience working with Paul over the last couple of years have been fantastic. He listens to what we have to say and offers advice and strategies that comfortably fit within our values system. He worked hard for us over a couple of issues and the most pleasing thing is – when he says he’ll do something – he does it. Great communication."
Steve & Cathie Grace