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The main types of home loans include:

• Fixed-rate home loans – Interest rate remains the same for a set period.
• Variable-rate home loans – Interest rate may change based on market conditions.
• Split-rate home loans – A combination of fixed and variable rates.
• Interest-only loans – You only pay interest for a specific period.
• Low-doc loans – Designed for self-employed or non-traditional borrowers with limited documentation.

The amount you can borrow depends on your income, credit score, current debts, and the value of the property you're purchasing. Typically, lenders will offer up to 80% of the property’s value, though higher loan-to-value ratios may be possible with mortgage insurance.

Most lenders require a deposit of 5% to 20% of the property's purchase price. A larger deposit can help you secure better loan terms and avoid paying Lender’s Mortgage Insurance (LMI).

LMI is insurance that protects the lender in case you default on your loan. It’s usually required if you borrow more than 80% of the property's value. While you pay for LMI, it protects the lender, not you.

Choosing the right home loan depends on your financial situation and preferences. Factors to consider include the interest rate, loan term, flexibility with repayments, and whether you want a fixed or variable rate. Our advisors can help guide you through the options to find the best one for your needs.

Approval times can vary but typically range from a few days to a few weeks, depending on the lender and the complexity of your application. To speed up the process, ensure that all required documentation is complete and accurate.

Pre-approval is a conditional agreement from a lender indicating how much you can borrow. It’s important because it gives you a clear idea of your budget, strengthens your position when making an offer on a property, and shows sellers that you are a serious buyer.

To apply for a home loan, simply contact our team for a consultation. We’ll assess your financial situation, explain your options, and guide you through the application process, ensuring you find a loan that suits your needs.

A business loan is a financial product designed to help businesses access capital for growth, expansion, equipment purchase, or managing cash flow. At Financial Connect, we work with a range of lenders to offer flexible business loans tailored to your specific needs, ensuring you get the funds you need to succeed.

We offer several business loan options, including:

• Term Loans – A lump-sum loan with a fixed repayment schedule.
• Business Lines of Credit – Flexible funding that lets you borrow as needed.
• Invoice Financing – A loan based on your outstanding invoices.
• SBA Loans – Government-backed loans for eligible small businesses.
• Working Capital Loans – Short-term loans designed to improve cash flow.

Our team will guide you to the best option for your unique business needs.

To apply for a business loan, contact us to schedule a consultation. We will help assess your financial needs, review your business plan, and provide guidance on the application process. With our expert support, securing funding has never been easier.

The amount you can borrow depends on factors such as your business’s financial health, revenue, and the type of loan you’re seeking. Financial Connect will work with you to determine the ideal loan amount to help achieve your business goals.

Lenders generally look at your business’s credit score, financial statements, cash flow, and length of operation. At Financial Connect, we help you understand what documents are needed and find lenders who will offer you competitive loan terms.

A car loan allows you to finance the purchase of a new or used vehicle by borrowing money from a lender. At Financial Connect, we offer both secured and unsecured car loan options, tailored to your financial situation and vehicle needs.

We offer secured car loans, where the car acts as collateral, and unsecured car loans, which don’t require collateral. Our advisors can help you choose the best option based on your budget and financial goals.

Yes! At Financial Connect, we work with a range of lenders who specialize in providing car loans to individuals with less-than-perfect credit. We can help you find options that work for your situation.

Typically, you’ll need proof of identity, proof of income, details of your vehicle purchase, and bank statements. Our team will guide you through the document submission process to make it as smooth as possible.

Approval times vary, but with Financial Connect, you can typically expect a fast decision—often within a few hours to a couple of days. We aim to make the process as efficient as possible, so you can get on the road quickly.

An equipment or machinery loan allows your business to purchase or lease necessary machinery, equipment, or vehicles without tying up cash flow.

Financial Connect helps you secure competitive financing to acquire the equipment needed for business operations.

You can use an equipment loan to finance a wide range of equipment, including:

• Construction machinery
• Office equipment
• Manufacturing tools
• Vehicles and more

We will assist you in identifying suitable lenders for the specific equipment you need.

Applying is simple! Just reach out to Financial Connect for a consultation. We will guide you through the process, review your business’s financial situation, and help you access the best equipment financing options.

The term of an equipment loan typically ranges from 1 to 7 years. We will work with you to determine the right loan term based on your business’s needs and the cost of the equipment.

Yes, in many cases, financing equipment through a loan may provide tax benefits, such as deductions under programs like the Instant Asset Write-Off. We recommend speaking with your accountant to understand the specific tax advantages for your business.

A fit-out loan helps businesses finance the renovation, decoration, or design of their office or retail space. Financial Connect offers fit-out loans that allow you to transform your business premises to better meet your needs, whether it's an office upgrade or a retail space overhaul.

Yes, fit-out loans can be used for a variety of businesses, including retail stores, restaurants, offices, and more. Whether you're expanding or rebranding, we can help secure the funds to create a space that works for your business.

To apply for a fit-out loan, contact our team to discuss your project’s scope, budget, and goals. We will help you assess financing options and work with lenders to secure the best terms for your fit-out needs.

Approval times for fit-out loans generally take around 1-2 weeks, depending on the complexity of your project. Our team will ensure that all the necessary documentation is submitted efficiently to speed up the approval process.

Fit-out loans typically offer flexible repayment terms, with options tailored to your business’s cash flow. At Financial Connect, we will work with you to ensure that the repayment schedule aligns with your business’s financial capabilities.

A commercial loan is a loan designed for business-related expenses, such as buying commercial property, refinancing existing loans, or funding business expansion. Financial Connect offers commercial loans that provide the capital needed to grow and maintain your business.

To qualify, lenders typically look for a strong business credit score, financial health, and property or asset value if collateral is involved. Financial Connect helps businesses meet the requirements and find the best loan options.

A commercial loan is intended for business purposes and typically involves higher loan amounts, shorter terms, and higher interest rates compared to a residential mortgage. Commercial loans are secured against business assets or property.

Approval for commercial loans generally takes between 4 to 6 weeks, depending on the lender and the complexity of your business’s financial profile. Financial Connect helps speed up this process by streamlining your application and ensuring all required documents are submitted.

The loan amount depends on your business’s needs and your financial situation. At Financial Connect, we work with you to determine the right loan amount based on your goals and available collateral.

A private equity loan is a financing option where private investors provide capital to your business, typically in exchange for equity or a share of ownership. This is ideal for businesses looking to expand or restructure and can provide more flexibility than traditional loans.

Private equity loans often involve investors taking a stake in your company and providing funding in return. These loans tend to be more flexible, with repayment terms and interest rates that are typically more negotiable than traditional business loans.

To apply, you’ll need to provide a detailed business plan, financial statements, and growth projections. Financial Connect will help connect you with private equity investors who are the right fit for your business.

The main risk with private equity loans is giving up a portion of ownership in your business. It’s crucial to fully understand the terms and consult with our advisors to ensure that private equity is the right option for your company.

The process for securing private equity financing can take several weeks to a few months, as it involves in-depth due diligence. Financial Connect will assist you throughout the process to ensure everything is in order and that you’re matched with the right investors.