Innovative Finance Solutions

purchase with confidence

Buying your first property is possibly one of the most important decisions in your life, and getting the right home loan is as important as choosing the property itself. That’s why we’re here to provide you with the information and support you need. Our team of experienced brokers can help you understand the various loan options available, explain the application process, and offer guidance on budgeting and planning for your new home.

https://www.housingaustralia.gov.au/support-buy-home/first-home-guarantee

https://www.commbank.com.au/home-loans/first-home-owners-grant.html

How we can help:

• Identifying the different types of home loans available
• How much you can borrow and the deposit you will need
• Information on home loan features and how they benefit you
• Current interest rates and how they may change in the future

with ease

Property refinancing is the process of replacing your existing Commercial or Residential mortgage with a new loan, often with different terms. This can be a strategic way to access better interest rates, consolidate debt, or unlock home equity for various needs, such as renovations or investments. Refinancing can also help reduce monthly payments or shorten the loan term.

Here are some common reasons people choose to refinance their property:

1. Lower Interest Rates: Secure a lower rate to reduce monthly payments and save money over the life of the loan.
2. Debt Consolidation: Combine multiple loans or debts into a single, more manageable payment.
3. Access Equity: Tap into the equity of your home or Commercial Loan for renovations, investments, or other major expenses.
4. Switch Loan Type: Move from a variable-rate to a fixed-rate mortgage (or vice versa) for greater financial stability.
5. Shorten Loan Term: Pay off your loan more quickly and reduce the total interest paid by refinancing to a shorter-term loan.

At Reloans, we offer various refinancing options through a diverse panel of over 40 lenders to find the best solution for your financial situation. Whether you’re looking to lower your payments or access funds, we’re here to guide you through the refinancing process.

with a Commercial or Residential SMSF loan

A self-managed super fund (SMSF) loan finances are investments made through self-managed super funds. SMSFs are designed to give members more control over their super, and SMSF loans provide leverage to buy higher-value assets. When it comes to SMSF loans, the key is to shop around and compare the available options. For this reason, we offer access to a wide range of SMSF loans from our panel of lenders, so we can help you find a loan that meets your specific needs.

Our team can help with:

• Comparing SMSF loan options from a range of lenders
• Assisting in securing SMSF loans to finance large-value assets
• Providing guidance on leveraging SMSF loans for investment
• Support with managing your self-managed super fund

an investment portfolio

Investing in property or other assets is one of the most common ways Australians build wealth. Whether you’re looking to get started in the housing market or grow an existing portfolio, many are taking advantage of current conditions to improve their financial situation in the long term. Get in touch if you’re having trouble with a bank, seeking improved interest rates, or simply want to explore other options available on the market.

Our team can help with:

• Identifying suitable investment loan options
• Comparing interest rates and terms from various lenders
• Assisting with loan applications and lender negotiation
• Providing advice on managing an investment portfolio

project with the right loan

We offer guidance on the various construction loan options available, helping you navigate the application process and manage your finances throughout the build. With our support, you can focus on bringing your vision to life without the stress of financial uncertainties. Get in touch if you need assistance with loan options, application procedures, or financial planning for your construction project.

Our team can help with:

• Identifying construction loan options for your project
• Comparing rates and terms from various lenders
• Guiding you through the loan application process
• Providing advice to manage finances during the build

with the right commercial loan

Tailored Loans for Commercial Property

Commercial Full Doc

Commercial Full Doc Loan product offers flexible financing for both PAYG and self-employed borrowers who can fully verify their income. This verification may include pay slips for PAYG or self-employed borrowers. Whether you’re a salaried employee or run your own business, our lending solution aims to provide the financial support required for your situation.

Flexible Financing

Commercial Full Doc offers adaptable lending solutions for both PAYG and self-employed borrowers.

Income Verification

The product allows for income verification through pay slips or self-employed financials.

Commercial Lite Doc

Commercial Lite Doc Product is specifically designed to provide tailored financing solutions for self-employed individuals. It offers alternative methods for income verification, such as BAS statements or letters from accountants. This flexibility allows self-employed borrowers to secure financing without the need for traditional income verification processes. We understand the unique financial situations of the self-employed community and are here to support your lending needs.

Alternative Income Verification

This product accepts alternative income verification methods like BAS or accountant letters.

Lease Doc Loan Service with Rent from Commercial Property

Commercial Lease Doc

Commercial Lease Doc product provides flexible financing options for those interested in purchasing, refinancing, or releasing equity from commercial properties. The primary income verification required for this loan is the current lease from the security property, making the assessment process more straightforward and efficient.

Rental Income Utilization

Commercial Lease Doc allows you to use rental income from your commercial property as the primary income verification.

Flexible Financing

Suitable for purchase, refinance, or equity release, offering a versatile solution for various loan needs.

Simplified Process

With income verification primarily based on the current lease, this product streamlines the lending process for borrowers.

Commercial Property SMSF Loans

• Your SMSF can borrow up to 90% of the purchase price for the purpose of your own rooms (subject to credit approval)

• No Lender’s Mortgage Insurance (LMI)

• Flexible loan options and terms to suit your cash flow needs

• Competitive interest rates

• Fixed and variable options available

Practice Finance Loans

With a Practice Purchase Loan, we can help you on your journey to practice ownership. Our extensive experience in lending to doctors, dentists and vets means that we understand the value of your profession and are able to lend against the practice’s goodwill and equipment, rather than your home.

Our goodwill and practice purchase loan features:

• Borrow up to 100% of the purchase price of an existing practice, or a share in a partnership (subject to credit approval)
• Secure a practice finance loan against goodwill and equipment, rather than against your home or other property
• Any existing partners remain unaffected as we only take security interest over your share of the partnership
• Choose a flexible loan structure and repayment terms to suit your cash flow needs
• Loan terms up to 15 years
• Interest only repayments available up to three years
• Redraw on your existing goodwill equity and tangible assets for personal or business related needs
• Benefit from our competitive fixed and variable rate options
• Access to a range of products to help you with other costs related to practice purchases, such as legal fees, conveyancing and stamp duty

Lending solutions for Accountants & Accounting practices

• Practice Purchase Loans and partner buy-ins If your practice has three or more partners, you can borrow up to 100% finance of the purchase price of an existing practice, or buy into the practice using just your equity share as security

• Practice premises finance Borrow up to 90% of the value to purchase your practice premises either in a company trust or SMSF

• SMSF loans

• Fitout and equipment

• Car finance Pre-approval up to $150 000 on new and used cars

• Home loans Up to 90% LVR without charging Lender’s Mortgage Insurance (LMI)