Services
Commercial
Business term loans
These loans are designed to provide businesses with the long-term financing they need to make significant investments, such as purchasing equipment or expanding operations. They typically have fixed interest rates and repayment terms of up to 7 years.
Business line of credit
This type of loan allows businesses to borrow up to a certain limit, as needed. It is ideal for businesses that have inconsistent cash flow, as they only have to pay interest on the amount they borrow.
Equipment finance
This type of loan is specifically for businesses that need to purchase equipment for their operations. It can be used to finance everything from vehicles to manufacturing equipment.
Invoice financing
This type of loan allows businesses to borrow money against their outstanding invoices. It is ideal for businesses that have a large number of outstanding invoices and need cash flow to keep their operations running.
Commercial property loans
These loans are used to purchase or refinance commercial properties, such as offices, warehouses, and retail spaces. They typically have longer repayment terms than other types of commercial loans.
Lease financing
This type of loan is designed to help businesses acquire the equipment they need without having to make a large upfront investment. Instead, they make regular payments over the course of the lease.
Trade finance
This type of loan is specifically for businesses that are involved in international trade. It can be used to finance everything from importing goods to exporting services.
Residential
First Home
A first-home buyer loan is a type of mortgage designed specifically for people buying their first home. These loans usually offer lower down payment requirements and may have more favorable interest rates compared to conventional mortgages.
Federal and some State governments offer incentives for first-time home buyers, such as grants and down payment assistance programs.
Before taking out a first-home buyer loan, it is important to consider your financial situation carefully.
At Grokfin we will source the best loan options, and compare interest rates.
Owner occupied home loans
Owner-occupied home loans are used to purchase or refinance a home that the borrower intends to live in. These loans typically have more favorable terms and interest rates compared to investment property loans. We can help clients understand the unique features and benefits of owner-occupied home loans, such as:
- Lower interest rates: Owner-occupied home loans typically have lower interest rates compared to investment property loans.
- Tailored solutions: We work with our clients to understand their specific needs and help find a loan that aligns with their goals.
- Flexible repayment options: Owner-occupied home loans may offer flexible repayment options, such as weekly, fortnightly, or monthly payments.
- Low down payment options: Some owner-occupied home loans may offer low down payment options, making it easier for clients to enter the property market. Home Loan Deposit Scheme, offer favorable terms for first-time home buyers.
By working with us, our clients can simplify the process of securing an owner-occupied home loan. With the right loan in place, our clients can focus on making their home ownership dreams a reality.
Investment Property
Investment property loans typically have different requirements and interest rates compared to owner-occupied home loans. We can help our clients understand the unique features and benefits of investment property loans, such as:
- Higher loan-to-value ratios: Some lenders may offer higher loan-to-value ratios for investment properties, allowing clients to borrow more for their purchase.
- Interest-only options: Many investment property loans offer interest-only options, which can reduce monthly mortgage payments and provide more cash flow for the property.
- Tax benefits: Investment property loans may offer tax benefits, including deductions for mortgage interest, property taxes, and depreciation.
- Competitive interest rates: We negotiate with lenders to secure the best interest rate for our clients’ investment property loans.
- Tailored solutions: We work with our clients to understand their investment goals and help find a loan that aligns with their strategy.
We simplify the process of securing a residential loan for investment property in Australia. With the right loan in place, our clients can focus on building their investment portfolio and achieving their financial goals.
