Finance Broking

Purchase Loans

Looking to purchase a property ?

A home loan or investment can help you get the funds you need to begin or continue your property portfolio. Purchasing a property whether as a first home buyer or seasoned investor can be overwhelming and the mortgage process can be confusing. We take the confusion and stress out of the process by providing you with expert advice and guiding you through every step of the process.

Home loans and investment loans are different and home buyers and investors not only require different advice but different loan products. A first home buyer will be most interested in how they can reduce their home loan as quickly as possible whereas an investor is more concerned with correct loan structuring to maximise tax effectiveness. Our advice is always custom designed to your individual needs and goals.

FIRST HOME BUYERS

Buying your first home is definitely one of the most exciting things however, it can also be one of the most stressful. We can advise you not only on the most suitable lender and source the best interest rate for you we are also here lead you through:

• How much deposit you will need
• The costs involved in purchasing a property
• The State & Federal Government Grants & Stamp Duty Exemptions that you may be eligible for – we don’t want you to miss out on a single dollar
• What cash back offers and other incentives different lenders have at the time
• What lenders mortgage insurance is if this applies to your circumstance

We are here to hold your hand and lead your every step of the way to ensure that this exciting time does not become a stressful time.

Your home loan may be the biggest financial transaction you undertake in your life so it makes sense to get some expert advice.

INVESTORS

Choosing to invest in property or any other type of investment really gets the ball rolling for future planning.

The current lending climate is seeing lenders changing their guidelines more than ever and this has never been more prevalent for investors, it seems as though at times the goal post is constantly being shifted. In addition the guidelines in regards to investment lending can differ dramatically between one lender and another, what one lender will approve another simply will not. WE will guide you through the process advising on most suitable lenders and products. It is imperative that an investment loan is structured correctly, this can impact maximum borrowings and tax effectiveness. As not only Finance Brokers but also Financial Advisors we can guide you and also work with your other advisors including your accountant or other Financial Advisor to ensure that the lending structure is congruent with your requirements, goals & tax planning.

There are many options within investment lending and it is imperative to get the right fit for your individual circumstances and goals.

Refinance Loans

Looking to refinance your existing loans ? You may be looking to lower your interest rate or fees, acquire better loan features, shorten the term of your loan or tap into home equity to raise funds to finance a large purchase, complete some renovations or consolidate debt. Whatever your reason is we can certainly assist.

We can advise you on the most competitive rates and loan features required to your individual circumstance. We can also guide you through the lending complexity of  obtaining cash out and consolidating debt. Each lender has their own guidelines on what they will consolidate and how much cash out they allow – we can advise on your specific requirements ensuring that we achieve not only the best interest rate for you but the most suitable lender that will approve the loan on the basis of what you require.

Business Loans

Big Bear Wealth can assist you securing a short or long term loan to help you start a new business, expand an existing business or simply take away some of the day to day cash flow headaches associated with running your business. We can assist with the following:

• Cash flow finance
• Franchise finance
• Vehicle & equipment finance
• Overdraft finance
• Small business loans for business set up

Each business is different and each lender assesses each business differently, we can provide you with expert advice. We have lenders that require full tax returns and others that do not.

Vehicle & Equipment Finance

We offer vehicle finance to both individuals and businesses at rates that beat the dealerships, we have a large panel of lenders to suit your circumstance and to compare the most competitive and suitable lender for you. Our turnaround times are fast & hassle free, we are also happy to provide quotes to you within the hour.

For self employed people whether you be a sole trader or company we can offer finance for most equipment and fit outs, we have lenders that require tax returns and lenders that do not require tax returns if they are not available. We are happy to quote on anything that you may be considering purchasing for your business and are happy to work with your accountant to ensure that finance is in line with their tax advice for your individual business.

We can assist with:

• Commercial Hire Purchase
• Chattal Mortgage
• Finance Lease
• Novated Lease
• Personal Lease