|
Australia Construction Lending and Mortgage Loans
A and J Mortgage Solutions - PO Box 8108 Glenmore Park NSW 2745
Mobile - 0404 020 292 Fax - 4737 8566 Email info@aandjmortgage.com.au
A and J Mortgage Solutions is an independent mortgage broking business that prides itself on providing exceptional customer service and the best financial products from a large number of funders, both Bank and Non Bank lenders. The company director, Andrew Burns, has over 25 years experience in the mortgage industry. A and J Mortgage Solutions are specialists in organising; Home Loans - Investments Loans - Non Conforming Loans - Construction Loans - Lo Doc Residential Loans - Commercial Loans - Cash Flow Lending/Factoring - Leasing / Hire Purchase - Development Loans - Lo Doc Commercial Loans - A and J Mortgage Solutions is a member of Mortgage and Finance Association of Australia (MFAA) and Credit Ombudsman Service Limited (COSL) so you know you have an industry accredited mortgage broker working on your behalf.
Arab Bank Australia Limited - Our Relationship Managers are more than happy to meet with you on-site to discuss any ideas you may have for a new or existing construction project, whether it be for residential homes, duplexes, townhouses/villas or high rise multi unit developments. Our Construction Loans are also available for commercial projects including the construction of factories and warehouses. Competitive interest rate - Flexible repayments including Principal and Interest, Interest Only or the option Interest Capitalised to repay the whole loan from the proceeds of the development. Assistance with reports on pre-construction costs, project feasibility and marketability Structured progress draw downs to assist you in keeping a regular cash flow. There are no Bank charges for progress draw downs Option of linking a Business Overdraft Cheque account and Arab Bank Australia Letter of Guarantee for your suppliers Monitor and transact upon your loan account, as well as transfer money to anyone using Arab Bank Australia's Internet Banking service from any computer
AUSSIEWISE FINANCE GROUP PTY LTD - Construction Mortgages Mortgages for construction come in many shapes and sizes and can cater for a variety of clients. Building your own home is becoming a more popular option for people due to stamp duty savings and the ability to choose your own style of home. There are different types of mortgages available to suit different types of clients and we have listed them for you below: Low Doc construction mortgages - Full doc construction mortgages - Credit Impaired construction mortgages - No deposit construction mortgages - When it comes to construction mortgages there are generally three main types available and they are: Construction Mortgages for Fixed Price Building Contracts - Construction Mortgages for House and Land Packages - Construction Mortgages for Owner Builders - To learn more about the above options simply contact us and speak to one of our consultants.
Available Lending - Tired of getting turned down for a loan? Is your lender changing their terms more often than you change your underwear? Tired of lenders who don't really want to lend you money? Available Lending is the online source for private mortgage loans. We match borrowers who may not be able to get a bank loan with private lenders who actually want to lend you money. The result: fast and easy mortgages from flexible private lenders! Our application process is fast, easy and FREE! Simply fill out the on line loan request and our lenders will contact you with their loan offers. You select the loan you want and you are on the way to your new home! Whether you are looking to buy an investment property, your first home, or new construction, our lenders will find a solution. When banks say no, we say go!
CDS - stands for CALL DISCUSS SELECT which is how easy we can make your financial experience. We are committed to providing wide-ranging and objective choice to the Australian market place. We've also brought the word service back into lending. CDS is an innovative company with fresh ideas and a determination to put you, the customer, first. We deal with over 30 of Australia's top lenders with over 1500 loans to choose from and match their loans to your financial needs. Our lenders include the major banks through to non-conforming and private funders. In recognition of the need for professionalism, CDS is a full member of the Mortgage & Finance Association of Australia (MFAA) being the leading industry body as well as the recently established Credit Ombudsman Service Limited (COSL) formerly known as the Mortgage Industry Ombudsman Scheme (MIOS).
Choice Home Loans - is the national innovator in providing mortgage services and creating home loan solutions for people around Australia. We have won multiple Australian Mortgage Awards because of our commitment to excellent customer service, professionalism, reliability, integrity and for having the most positive impact on the industry as a whole. Choice consultants have been helping people live their dream of home ownership and ensuring they have the loan to suit their needs for over 9 years. No more meeting with the banks. Instead you can have your own professional guide to help untangle the mortgage companies maze, accessing over 30 home loan banks and lending institutions. Your choice consultant will listen to your needs and help you choose the loan that suits you best. They will explain all about mortgage reduction strategies, how to achieve a low interest payment and how you can reduce or eliminate fees. Buying a home or investment property should be one of the most rewarding, exciting moments in your life, and your choice consultant is committed to help you achieve these goals. What's more, you can feel confident that whilst we are providing you with professional information, this service will not attract any fees as Choice Home Loans receive a commission from the lender.
Citywide Lending - works in partnership with many different lenders to tailor a development loan to meet your need’s no matter how small or big the project may be. We have been working with builder’s and developer’s for many years and understand how important the role of Finance plays in achieving your dream. We specialise in Construction and we make the process as simple as possible. Construction loans can be structured in many ways depending on what the situation is and the lenders policy but it generally work’s like this. Loan funds are drawn down in stages as the builder reaches agreed milestones. The lender uses an independent expert to monitor the construction process and only makes progress payments once the builder has reached certain objectives.We specialise in the following Residential homes and construction • Renovations • Duplexes • Townhouses/Villa’s • High rise/ multi unit developments -- Our lenders offer the following benefits • Competitive Interest rates • Flexible repayment options (Capitalisation of building costs, interest and fee’s -depending on the deal) Most Lenders only require interest payments on the loan during construction phase but again every deal is different. • Structured draw downs • Flexible terms and conditions - If you would like to meet with one of our relationship managers please fill out the form below or contact us on 1300 44 56 26.
eCapital Pty Ltd - We are Melbourne MFAA accredited brokers that can help you find home loans, mortgages and commercial loans via this diverse lending panel of bank and non bank lenders. Our role is to facilitate a loan for your home or mortgage, business, commercial or personal requirements by helping you unearth a lender ideally suited to your circumstances. Our mortgage broker company in Melbourne doesn't actually lend you money! Conversely, a mortgage manager or non-bank lender that we are not, does lend you money. Non-bank lenders move in the broader financial markets, acquire or manage funds, and then offer those funds to borrowers. Every individual, business or company has different needs and objectives when borrowing money. Our network of lending consultants play an important role in helping you source the right bank lender or non-bank lender to match your requirements. In short, we'll study your circumstances in order to help you identify the options available from our panel of lenders who match your needs and objectives. We'll then manage every step of the application process, from conditional approval to settlement and after – all in the best interest of you the borrower. Be assured, ecapital Melbourne Mortgage Broker Company consultants will work hard for you. For our lending consultants to be accredited by MFAA (Mortgage & Finance Association of Australia), they must satisfy rigorous criteria on education, experience and ethics.
Finance Right - is dedicated to working with you to find the Right Finance solutions tailored to your personal needs. We have been helping home buyers, investors, developers and businesses to Finance right for nearly a decade. We take the worry and work out of sourcing and implementing the best finance solutions available. Finance Right has access to a wide range in residential and commercial lenders enabling us to assist in the purchase of your first home or structuring your funding for that major development. Please browse our website and use our Calculators to find out your borrowing power, comparison rates, repayments, Stamp duties and more. Get up to date Interest Rates on over 20 lending institutions. Read our Newsletters for Tips and Information on finance, the latest on the First Home Owners Grants and much more. If you subscribe to our FREE bimonthly newsletter you’ll also receive our Interest Rate Bulletins keeping you up to date on announcements from the RBA. To find out what we can do for you Apply Online for our FREE “Finance Health Check” and see what savings could be available to you or Contact Us for further information.
Global Capital Corporation - Construction Finance - GCC is one of Australia's leading facilitators of construction finance Australia Wide. GCC has extensive experience in structuring construction facilities and can facilitate development finance for residential, commercial, office, industrial, retail and hospitality orientated property throughout Australia and can also facilitate funding for land subdivisions. GCC Development Finance can be structured in many ways, tailored to the specific needs of the project. Typical development funding structures fall into two main categories; hard cost based facilities and the GRV based facilities. Hard Cost facilities up to 85% of Total Development Costs (TDC) GRV based facility up to 75% of Gross Realisable Value (GRV)
Home Loans Service Centre - is the mortgage lending specialist for Residential, Commercial & Investment Properties. At HLSC we are committed to more than just lending money. We are a specialist agency dedicated to achieving outstanding results for our clients because we listen to their needs and match them with the right loan packages from over thirty lenders, saving you time and effort. Building upon extensive experience in the banking and lending industry, we continuously research the loan market for the best lenders, that offer the best Interest rates, loan features and home loan options.
Morris & Hartford Finance Company of Australia.
Mortgage Finance Lenders - Aussie Best Loans Centre is not a bank, building society or finance company. We do not lend money! Instead, we are the link between you and the mortgage finance lender. At Aussie Best Loans Centre we have relationships with numerous lenders who may be able to provide you with a mortgage loan that will assist you. This enables us to have access to the most competitive rates available and find the best mortgage finance solution to suit you. We deal with a range of the major banks and are committed to helping you find the loan that best suits your needs. Find a lender who knows the business inside and out and can make your dollar go further. Ask your real estate agent to research the housing market in your area, to predict a rise in property value for that area. When you seek a mortgage, obtain quotes from three or more lenders. Make certain at least one of these is a mortgage broker. Ask how many home loan products they have to choose from. All Aussie Best Loans Centre services are provided with the client as first priority. We work for you, but we're paid by the banks. Our income is derived from commissions paid by the lender. This means we are free to provide our clients with the solution and service most appropriate to their personal needs and you will benefit of choosing from a wide range of home loans from the top lending institutions of Australia. With our unique mortgage software, a custom designed home loan can be at your fingertips.
Mortgage Magnet - can secure loans for most needs. The following is a guide for your convenience. First Home Buyers - Owner Occupiers - Refinancing an existing loan Investors - Construction Loans - Outside standard lending criteria - First Home Buyers - We can find the right loan for you so you get into your first home sooner Here are a few questions: How much can I borrow? - Do I qualify for the government's First Home Owners Grant? - What are the repayment amounts for different loans? - What deposit will I need? Construction Loans Mortgage Magnet can offer many products that would suit the needs of most people seeking construction finance, including owner occupiers or investors. Outside "Standard" Lending Criteria If you don't think you can meet the standard lending criteria, Mortgage Magnet could still help you. Even if you have an impaired credit history or are unable to provide the required documentation. Mortgage Magnet could help you find a loan to suit your requirements. Just ask about your options on the Contact page.
Mr Mortgage - Asset Lending - Private fund mortgage lending based entirely on the value of the real estate asset. We believe we have the only genuine "no questions asked" mortgage home loan finance in Australia!
realestate.com.au - At realestate.com.au Home Loans, we have a simple philosophy; we must truly add value to the process of sourcing finanance products for our customers, so we ensure that all our representatives maintain an ethical outlook and focus on customer satisfaction. As part of the Loan Market Group, one of Australasia's largest mortgage broking groups, realesate.com.au Home Loans achieves this philisophy and secures in excess of $500 million for our clients every month. Our mortgage brokers work closely with real estate networks and especially understand the realities of getting your home settled on time and at the right price. And with a panel of over 35 lenders and more than 400 home loan products, our brokers find and negotiate competitive finance deals for thousands of Australians. Through our system of daily lender updates, our mortgage brokers are well versed with any changes in the market and have established networks with the lenders which put them in a better position to negotiate competitive deals for you.
Smart Lending - welcome loan enquiries from all over Melbourne and have many happy clients throughout Victoria & across Australia. It has offices based in Geelong, Altona and Melton, so are well placed to serve the needs of the local communities. They are fully accredited members of the MFAA (Mortgage & Finance Association of Australia) & SEQUAL (Seniors Australian Equity Release Association of Lenders). The comprehensive array of financial services it provides are Home Loans, First Home Buyers Loans, Financial Solutions, Construction loans, Investment Loans, Low Doc Home Loans, Personal Loans, Car Loans, Non-Resident Loans, Equipment Loans, Bridging Loans, Reverse Mortgages and Commercial Loans
Smart Search Finance -
Head Office: 1300 726 136 Head Office Fax: 03 8610 2150
We have brokers in Sydney, Melbourne, Brisbane, Adelaide, Perth, Tasmania, Darwin and the ACT. We also cater for regional areas How does finance work for construction mortgages? With most construction loans you make interest only repayments during the construction period. After construction has finished you can choose to make principle and interest payments or continue with interest only repayments. During the construction phase you only pay interest on the amount you borrow for each stage of the building process. Typically construction is completed in five stages and you draw down on the money at the beginning of each stage. Therefore, if the total borrowed amount is $300,000 and you only require $100,000 for the first stage of development then you only pay interest on $100,000 and not the entire loan amount. -- Building a New Home On Your Own Land and House and Land Packages - This is where you purchase the land then construct your home. Typically, you would apply for finance for the land purchase and then apply for construction. Some lenders offer more flexibility than others that help reduce the costs of application and switching fees. Most lenders require professional builders and contractors to construct your new home. Owner builders - those who want to build their own home - find it more difficult to find finance and require a larger than normal deposit or provide greater security to build.
Victoria Finance - experience in construction loans is unparalleled. The company was originally established to service the lending requirements of one of Victoria's largest builders and over 50% of our business is still based on construction loans for residential homes. Whilst in theory construction loans are no different to a standard home loan, with the intricacies involved in progressive draw downs and the risks of default interest payments it is imperative to find an experienced lender. Lenders often change their position and requirements for construction loans, and as the industry leader Victoria Finance is in the best position to recognise, understand and react to these changes. We will find the right loan, and ensure the necessary loan service levels are maintained throughout the life of the loan.
X Inc Finance - Offers a broad commercial experience and range of commercial lenders on our panel across east coast Australia brokers covers commercial, industrial, office or retail properties. Our clients can range from individuals and family trusts, to shopping centre developers and property investment companies. If you need a consistent source of loan funds to support your commercial properties and want to maximise cash flow and development profit without giving away excessive fees or presales, then you should talk to us. The key to successful commercial finance brokering is experience. Properties such as shopping centres, housing developments, hotels, factories, conference centres, car parks and aged care centres require the right experience to raise funding. The key to raising loans for specialised properties is knowing how to present the opportunity and negotiate the best rate with the right financier. If you want a free appraisal of your current loans or an opportunity that you are assessing, talk to us. X Inc. Finance will support developers with commercial construction mortgages and can assist in arranging additional finance including mezzanine and equity funding for commercial property development. As a rule the loan to asset value ratio for this finance is generally up to 75%, but could be higher under certain circumstances, potentially with mezzanine funding if required. As we source funding from many lenders in the marketplace, we are able to access the right product depending on your priority, whether it be timing, gearing, flexibility or price. Our aim is to help you maximise the profit of a project, and minimise the cash equity needed to successfully complete construction.
|
