HOME LOANS & FINANCE SOLUTIONS

FIRST TIME HOME BUYERS

The most important thing to do, BEFORE you start house hunting, is to work out exactly how much you have to spend, and how much you can afford to borrow.

This means taking a good look at your total income as well as all your financial commitments and savings. In Many instances - you’ll need to have your finances pre-approved before you can make an offer on your first home.

We understand that buying your first home is one of the most important decisions you’ll make. We have a lot of experience helping our clients buy their first home.

We’ll provide you with all the advice and support you need to make the best final decision, and get the keys to your first home SOONER!

Contact us today! 

Send Inquiry

BUSINESS LOANS FOR INDIVIDUALS

Self-Employed Businesses

Individual Business owners like - Sole Traders, Partnerships, Trusts with an Individual/s as Trustee - are often restricted from getting certain types of Business Loans.

Yes - we have traditional business loans and we have Lo Documentation loans.

Traditional lenders often require a significant amount of financial paperwork to complete the loan process. It can take a while to locate all the necessary documents such as your financial situation, proof of income, and various other bits of paperwork.

If you are self employed or don’t have a lengthy record of financial statements, you may not have what the traditional lenders need.

So we can offer low doc loans for these situations.

You Call - We Help!

Send Inquiry

FIRST TIME INVESTMENT PROPERTY BUYERS

Buying an Investment Property can be one of the most daunting decisions you'll ever make. RedCap Finance Brokers & RedCap Consulting will offer  you a comprehensive service to help you buy an investment property (and help you transition into understanding that you are now a new small business owner).  

Are You Ready to Become a Property Investor (Small Business Owner)?

Long before you start looking at properties to put in your portfolio, you must be sure your finances and investing structures are in order.

The process of saving and making strategic financial decisions to ensure your credit history is more appealing to a lender - can take more than a couple of months. If you haven't already been working towards establishing your property investing business contact us to show you how to begin.

We will discuss: 

  • Ownership Structuring
  • How much can you borrow
  • The extra cost of buying investment property
  • Choosing the right type of loan for today's and future purchases
  • Understanding loan features 

Investing in property is a great way to build your wealth – if you do it right. 

CONSTRUCTION LOANS

A construction home loan is a type of home loan designed for people who are building a home or doing major renovations, as opposed to buying an established property. It has a different loan structure to home loans designed for people buying an existing home.

HOME LOANS

A Home or Investment loan is a large and often long-term financial commitment so it makes sense to get it right first time.

What’s right for you will depend on a range of factors including the size of the loan you require, the property you intend to purchase, the deposit you have and how the property is going to be used – Home or Investment?

RedCap Finance Brokers can help you with credit advice you need to select the right type of loan, compare rates, and make the decision that best fits your needs.

We will take care of all the paperwork and make the process as smooth as possible by also liaising with your existing lender if a refinance is what you need; or with your agent and solicitor if you are looking to purchase.

REFINANCING

Refinancing Loans –  At RedCap Finance Brokers we specialise in restructuring existing debts to make each week more affordable for you. 

With the finance market changing rapidly it's becoming more difficult to find the best home loan option to suit your individual circumstances!  Whether you want to consolidate, renovate, or buy a new car, we are just a phone call or email away.

NON CONFORMING LOANS

Lending requirements have always been quite rigid, and for many people this can make it almost impossible to get a loan.  When you have bad credit, or an ex-bankrupt, or you simply don’t have all the right documentation, the process of borrowing can be even more stressful.

Many Borrowers have become a victim of Lenders tightening  their credit policies. A vast majority of these borrowers are more than capable of servicing a loan but for one reason or another they don’t comply with prime lender policies. This is where Non Conforming Loans come into their own sphere.

 Ex Bankrupt?

Get back into home ownership now with a Non Conforming Loan!

We have specialist lenders that can lend you up to 95% of the property value on a purchase and up to 85% on a refinance on a residential zoned property and purchase or refinance on vacant land or 80% on a construction loan from 1 day after your discharged bankruptcy.

Self Employed?

If you do not fit into the Banks strict format for Self Employed borrowers, then you may have already found that finding a home loan can be difficult.

We have low doc home loans for both ‘clean credit’ and ‘credit impaired’ situations for the purchase, construction or refinance of Residential Properties.

If it is your Tax Returns figures or history that is the issue, then we have Alternative verification of income options that can include either an Accountant’s letter, 6-12 months of lodged BAS statements or 3-6 months of business bank statements or a combination thereof.

Bad Credit?

Credit Impaired or bad credit home loans are available for applicants that have past or present credit impairments.  These allow for funding of a purchase, debt consolidation or refinance of Residential property including vacant land or for construction of an owner occupied property.

Some of these funding lines allow for refinancing to a prime loan when credit issues have dropped off from credit file… and if they don’t we will work with you over time to get you back into ‘mainstream’ financing.

If there is a way to get you back on track we will find it.

Get in touch with us today and let’s get started.

LO DOC HOME LOANS

SELF-EMPLOYED?

Want to get a Home Loan?

YES WE CAN HELP!

Traditional lenders often require a significant amount of financial paperwork to complete the loan process. It can take a while to locate all the necessary documents such as your financial situation, proof of income, and various other bits of paperwork. If you are self employed or don’t have a lengthy record of financial statements, you may not have what the traditional lenders need. So we offer low doc loans for these situations.

Your call.

PERSONAL LOANS

Personal Loans - We offer both Secured and Unsecured personal loan options to suit your particular situation. You Can Use a Personal Loan for:

  • Wedding Costs
  • Emergency Repairs 
  • Renovations 
  • Holidays
  • Debt Consolidation
  • Electrical Goods
  • White Goods
  • Medical Expenses
  • Furniture 
  • Christmas Expenses
  • Dental Expenses
  • Tax Bills
  • School or University Expenses
  • Travel 
  • High Ticket Item Purchases
  • Lawyer Fees
  • Mechanical Expenses
  • Fine Coverages
  • Rental Bond
  • Household Repairs
  • Funeral Expenses
  • Removalists Expenses
  • Event Expenses
  • Vet Bills
  • Phone Bills
  • And Other Miscellanies

Book a Free Appointment

 If you are looking to

- Purchase your First Home or Investment Property 

- Buy Land

- Build a New Home

- Refinance your existing loans

- Purchase an Investment property.

- Need a Business loan

- or Just Need a Loan!

In most cases - our services are completely free for you to use, as we get paid by the lenders for doing the assessment work; collating your loan application; and meeting with you.

INQUIRE ONLINE NOW

LET'S FINANCE YOUR DREAM

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