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Low Start Full Doc

Low Start Full Doc

low start

Oveview
Loans allow you to take advantage of any equity you have in your home by setting a loan limit and giving you access to the funds for whatever you want them for. Most lenders require an interest only repayment based on the outstanding balance.

Target
Individuals (PAYG or self-employed), Companies, Partnerships or Trusts

Loan Purpose

Loans considered for direct purchase, refinance, debit consolidation and construction being residential and investment. facility Must be regulated by the UCCC (Split loans available up to four(4) accounts to a minimum of 10,000)

Loan Features

• Full supporting documentation and evidence of income is required for all applicant/s.
• Split  Loans available up to four (4) accounts to a minimum of 10K

Loan Products

All facility included line of credit

Minimum Loan Size

$50k (Subject to the loan scenario and to the LVR) Double security

Maximum Loan size

$4,000,000(Subject to the loan scenario and to the LVR) Single security

Loan to Value Ratio

Insured
• 95% LVR for loans up to $750,000 – metro areas of Australia
• 90% LVR for loans from $750,001 to $1,000,000 – metro areas of Australia
• 80% LVR for loans from $1,000,001 to $1,500,000  – metro areas of Australia
• 75% LVR for loans from $1,500,001 to $2,000,000 – metro areas of Australia
• 95% LVR for loans up to $500,000 – regional areas of Australia
• 90% LVR for loans from $500,001 to $750,000 – regional areas of Australia
Uninsured
• 90% LVR for loans up to $300,000 – metro, regional and country areas of Australia
• 85% LVR for loans from $300,001 to $500,000 – metro, regional and country areas of Australia
• 80% LVR for loans from $500,001 to $1,000,000  – metro, regional and country areas of Australia
• 80% LVR for loans from $1,000,001 to $1,500,000 – metro areas of Australia
• 70% LVR for loans from $1,000,001 to $1,500,000 – regional areas of Australia
• 70% LVR for loans from $1,500,001 to $2,000,000 – metro and regional areas of Australia
• 65% LVR for loans from $2,000,001 to $3,000,000 – metro areas of NSW, ACT, Vic, Qld, SA and WA.
• 60% LVR for loans from $3,000,001 to $4,000,000 – metro areas of NSW and Vic

Minimum Loan Terms

Interest only from 1year to 15 years and (P&I thereafter) to 40 yrs
Fixed Rates from 1year to 15 years and (P&I thereafter) to 40 yrs

Maximum Loan Terms

40 years Principal & Interest 

Loan Repayment Frequency

Weekly, twice monthly or monthly, day and date can be nominated

Security Type

Residential vacant land and rural residential being occupier \ investment

Redraw Available

Yes

Split Loan Available

Yes

Dynamic Repayment

Yes

Additional Repayment

Principal reductions accepted with minimum of $5,000 each time on the principal part if any

Loan statements

Issued Half Yearly (But you can ask us when required we will mail them to you charges apply).

Documentation Required

Subject to the loan purpose, please call 1300 790 909 for more details

Financial Information

Borrowers who can demonstrate means of serviceability

Qualifying Interest Rate

Please call our consultant on 1300 790 909 for more details 24/7

Other Conditions

A. Prime loans Borrowers must demonstrate serviceability with up to date detailed financial statements covering last 12 months + 4 pay slips  for (Full doc Loans)
B. Uninsured Borrowers must be self employed or an Investor , has an ABN number and  registered for GST and in business for the past 2 years plus financials


Address

FIRM FINANCE PTY LTD.

Level 2 / 124 Exhibition Street
Melbourne VIC 3000
 
Phone: +613 9654 9090
Fax: +613 9654 9098
Mobile: +61 418 553 009

Licence No 390620