Reliiance Financial Solutions
Ready for your next step? We are.
There are many types of home loans available in the market. In this section, we will give you an overview of the various types of loans chosen by our clients over the years.
INVESTMENT
Property Loans
Planning to buy an investment property? We can help with the loan as well as investment advice. Call Reliiance Financial Solutions for a consultation.
There are various reasons to go for an Investment loan.
- If you have you paid off or reduced the mortgage on your home, you may consider using the equity for an investment loan to buy an investment property.
- You may also consider using the equity to invest in the share market too
Please note that residential investment loans are secured by residential property, whether it’s against your home, your investment property, or both.
Whatever your reason, professionals at Reliiance Financial Solutions will be happy to help you. We have access to Investment Home Loans which are designed to meet the various needs of property investors and provide a flexible range of options and features.
Whatever your plan, let Reliiance Financial Solutions understand your needs and help you obtain the right Investment Loan for you.
DEBT Consolidation
There are various reasons people opt for debt consolidation :
- Reducing the number of existing debts
- Reducing the interest rates on existing debts
- Reducing repayments
- Consolidating existing debts into one easy repayment
If you are unsure whether Debt Consolidation is right for you, give us a call at Reliiance Financial Solutions.
We will be happy to explore options for you to create a plan and help you pay off your debts faster.
REFINANCING
There can be various reasons to refinance your home loan – a change in your family situation e.g. a baby, drop in interest rates, lack of features in your current loan or dissatisfaction with the quality of service your are getting from your current loan provider. Debt Consolidation is also a common reason for home owners to refinance their home loan and consolidate their monthly repayments.
In any case, it is always a good idea to periodically review your current home lending arrangements to ensure they still meet your requirements, especially if your situation or circumstances change. And remember, all aspects of your loan need to be reviewed and not just the interest rate.
At Reliiance Financial Solutions, we’ll be happy to help you find the right solution. We offer a range of refinancing options to help you choose the right loan that meets your current situation and also fits in with your future plans.
Construction Loans
A Construction Loan is a means of gaining finance for a commercial or residential development project.
With a Construction Loan, you can get the capital you need to bring your project to fruition.
If you are into property development, Reliiance Financial Solutions can help you arrange finance for a range of projects such as
- Residential unit development
- Residential town houses or villas development
- Residential land sub-division
- Healthcare, hospitality and aged care facilities
- Commercial offices
- Industrial complexes
- Retirement villages
- Retail/shopping centres
Just let us know your project details, and we at Reliiance Financial Solutions will be happy to work with you.
BUSINESS Loan
At Reliiance Financial Solutions we understand that starting a business requires a solid foundation. You need to gain substantial knowledge of marketing, business planning and market research among other things. However, it would be fair to say that organizing your business finances would be the most important part of starting a business.
So if you need a business loan, Reliiance Financial Solutions has access to a number of small business loan providers in Australia that will be able to assist you. There are types of small business loans that you can apply for, depending upon the funding you require. With proper planning, your small business’s cash flow can be improved with loan so you can make your business grow.
FAQs
Got questions? Find answers to some of the most commonly asked questions about our financial solutions, processes, and services to help you make informed decisions.
LMI is a third-party insurance premium payable by you as the borrower, to protect the lender against the potential loss of money if the borrower is unable to repay the home loan. Generally, an application with a Loan-to-Value Ratio (LVR) of 80% or more may result in the borrower having to pay Lender’s Mortgage Insurance.
Extra payment is an excellent feature of a good mortgage deal. Here, your lender lets you make lump-sum additional payments along with your regular monthly payment. Making extra payments allows you to shorten the length of time you are paying your mortgage. Since your balance is being paid off faster, you will also have fewer total payments to make, thus lowering your interest. At Reliiance Financial Solutions, we can help you find the most suitable mortgage deal for you. We have a range of lenders that allow you to make as many extra repayments as you want, whenever you want, without attracting any penalties.
Stamp Duty is a government tax imposed on contracts, with the amount usually calculated as a percentage of the contract value. In layman’s terms, it is the tax charged for your legal documents to be ‘stamped’.
If you are planning to buy a property, it’s crucial to factor your State’s Stamp Duty into your budget.Chances are, based on your circumstances and state of domicile, you might be able to obtain a stamp duty exemption, or concessions (discount) against the purchase of your first home. Stamp duty laws get changed often, so be sure to check your State Government’s website for the most up-to-date information.
Did you know that some lenders would allow you to cash out any extra repayment you made whenever you need the money? You read that right. This useful mortgage feature is called “redraw facility”. You can withdraw any extra repayments or lump sum payments you make over the life of the loan. At Reliiance Financial Solutions, we will explain all mortgage products to you, including those which allow you to the redraw option.
Testimonials
Discover how we’ve helped our clients navigate their financial journeys with personalized solutions. Read their stories of success and empowerment below.
A 5-STAR RATED FINANCIAL SOLUTIONS PROVIDER BY OUR CLIENTS
At Reliiance Financial Solutions, we have been privileged to have worked with hundreds of remarkable individuals and families.
Very few things come close to receiving their genuine appreciation of our services. All we can say in return is – the pleasure was all ours.
It is also our pleasure to share some client testimonials with you. Please click on Video Testimonials to view them all. Use the buttons at the bottom of the screen to navigate through the videos.
