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Refinance Loans
Relax with a better loan package
Consolidation that's worth your while
Refinance your credit card, personal loan or business debts at comparatively low home loan rates
Choose a loan structure with the flexibility of many split accounts for easy account filing and taxation preparation
Consolidate your debts and save on multiple and confusing interest charges
Use the equity in your home as stand-by credit for purposes such as renovations, future investments or any of those unforeseen life circumstances
Easy application process
Meet with Garry to discuss and target your financing requirements
Conditional approval direct from the lender can be ascertained within minutes of submitting your details online
Combine your personal and business loans in one single application to avoid unnecessary paperwork and duplication
Both fully verified and low documentation options available
Easy to refinance
Looking to move your loan but not sure where to start? Garry will make the process easy for you! He will organise the application submission, approval and transfer of your loan to save you the time and hassle. Combined with a fast application process, you'll have your answer in the shortest possible time - refinancing you loans has never been easier.
Easy to Save
Whatever your reason to refinance - a better deal, consolidating your debts, a renovation or even financing your business - you can do it all at low home loan interest rates. Choose fixed or variable interest (or a combination of fixed and variable), lines of credit, or a 100% offset mortgage. Whichever loan combination is best suited to your needs; Garry has all your borrowing needs covered with a terrific range of flexible mortgage options to help you save money.
For more information contact GARRY BILLETT
Phone: 02 9817 8230
Mobile: 0418 963 626
Email: gbillett@bigpond.net.au
Easy to manage your money
With the wide range of loans that Garry has on hand to provide a solution for you, why not consolidate all your finances into one manageable account to help you keep track of your cashflow and expenditure? If you need more than one account, why not split into multiple accounts to easily differentiate your personal and investment finance. Go online and view all your finances at a glance, and transfer funds as often as you need.
Michael & Fiona
Michael and Fiona have a home loan and want to set up additional funds to allow them to purchase an investment property in the future.
Michael and Fiona's needs:
Refinance their current home loan from the current lender
Have extra money available for them to place a deposit when they find the investment property they want to purchase
The Solution
A split loan allows Michael and Fiona to enjoy having both accounts linked under the same facility which can be monitored very simply.
Split 1 - $200,000 principal and interest split for the home loan portion, where their principal can be paid down as quickly as possible
Split 2 - $250,000 interest-only split for the investment portion with the flexibility of being able to write a deposit cheque when they find their investment property
The Advantage
Less paperwork - typically payslips or group certificates for PAYG income earners or last two years tax returns for self-employed
No credit card or personal loan statements required where Loan to Value ratio < 80% - only home loan statement required
Use your home loan for different purposes. You get the same low residential rates for both your home and your investment portions of your facility
Flexible account styling where different split accounts may be set up in different names (e.g. husband and wife, or just wife)
This example is fictitious and for illustrative purposes only.
© 2009 Business Trade Franchise Finance Pty Ltd - ABN 97 085 495 334. Australian Credit License No 388366.
Garry Billett is a member of the Mortgage and Finance Association of Australia (MFAA).
Garry Billett is a Justice of the Peace.
This advice was prepared without taking into account your objectives, financial situation or needs. Before acting on this advice you should consider if it's appropriate. It is a guide only and does not take into consideration your personal financial circumstances.