Dallas Shores – Perth Mortgage Broker

Loan Types

I offer a professional service to help find the right loan that suits your situation from a gallery of Australia’s top lenders.

My extensive panel of lenders enables me to assist with a wide range of loan services including:

  • Home Loans,
  • Business Loans,
  • Commercial Finance,
  • Personal Loans,
  • Car Finance and
  • Equipment Finance.

Home Loans

Owner Occupied

When buying your own home, whether it’s your first, second or third, I will assist you in selecting the right loan to suit your individual needs. I can help you to:

  • Understand the different loan product options available
  • Provide a comparison of lenders
  • Structure your finances and budget to meet specific goals
  • Complete the application process and save your time and stress
  • Ensure time frames are met and communicate to all parties to the transaction

My service is FREE to you because I get paid by your chosen lender

Property Investor

When borrowing to purchase a residential property for investment purposes it is extremely important to ensure the setup complements your financial situation to take advantage of lending and tax benefits. I can help you to:

  • Determine if you can use the equity and how much you have in your current property to help fund the purchase
  • Select the most suitable loan structure for your goals, eg Interest Only / Principal and Interest or Fixed / Variable Interest or Interest in Advance
  • Select the right lender and loan product and loan structure

If you are looking for additional assistance with regards to tax and/or financial planning look at my ‘Partners’ section.

My service is FREE to you because I get paid by your chosen lender.

Business Finance

When borrowing money to finance a new business venture or purchase an existing business it is imperative you do your homework and have a business case to present to the bank, this will help prove you are serious and have what it takes to make this work. It is also important to setup the business structure correctly, I recommend that you obtain this advice from a reputable accountant, visit my Partners Page if you would like to know who I use and recommend.

I can assist you with business finance, whatever your needs are and if I can’t help I will put you onto someone who can.

What I can do:

  • Analyse your situation
  • Present all of your options
  • Assist you to identify the right loan for your needs
  • Save you time and money by doing the legwork and paperwork
  • Free you up to concentrate on your business

Commercial Finance

Much like business finance, this is an area that usually requires more planning and in the current financial climate most lenders are being very cautious when assessing commercial finance. What this means for most investors is they will scrutinize all information provided and if refinancing an existing commercial loan, it will need to be up to date. When applying for Lo-Doc and No-Doc loans lenders load the interest rate and depending on the circumstances, is hard to justify.

I can assist you with commercial finance, whatever your needs are and if I can’t help I will put you onto someone who can.

What I can do:

  • Analyse your situation
  • Present all of your options
  • Assist you to identify the right loan for your needs
  • Save you time and money by doing the legwork and paperwork
  • Free you up to concentrate on your business

Car and Equipment Finance

When purchasing a new or used car or equipment again it’s extremely important to set up the structure correctly. For this, only an accountant can look at your situation and advise the right setup for the best benefits. However for the people doing some homework, I have listed the main finance products with some of the points of difference.

For those who are looking for a car I have exclusive access to JIVVE which is a red carpet car buying service which can save you time and money. The concept of this service is to streamline the process of finding what you want at the right price. Check out the JIVVE page if you want more information or to make an equiry.

Finance product options:

  • Commercial Hire Purchase
  • Chattel Mortgage
  • Novated Lease
  • Personal Lease

Commercial Hire Purchase (CHP)

  • This is the most common vehicle and equipment finance product
  • The GST inclusive amount is financed
  • Trade-ins and/or deposits can be used to reduce the loan amount
  • Title is only passed onto client once all payments have been made
  • Loan can have a residual balloon payment to reduce monthly payments
  • Payment structures such as seasonal payments are available
  • The repayments and residual balloon payments do not include a GST component
  • Loan Term 12 – 60 months

*Independent professional financial and tax advice must be sought to determine all tax and GST benefits

Chattel Mortgage (CM)

  • The lender takes a security charge over the assets to be financed
  • The Chattel Mortgage may be registered with ASIC and/or the Land Title Office under a Bill of Sale
  • Loan Term 12 – 60 months
  • The GST inclusive amount is financed
  • Trade-ins and/or deposits can be used to reduce the loan amount
  • Loan can have a residual balloon payment to reduce monthly payments
  • Payment structures such as seasonal payments are available
  • Client can claim the full GST component when lodging next BAS*
  • Fees and Stamp Duty may be included in loan amount if desired

*Independent professional financial and tax advice must be sought to determine all tax and GST benefits

Novated Lease

  • This product enables employees to salary package their cars which can result in tax benefits*
  • A novated lease is a three way agreement between an employee, their employer and the finance company
  • Both the employee and employer sign a Novation Agreement under which the employer agrees to make the repayments out of the employee’s salary
  • Only the client applies for the credit and is who the risk is based on, not their employer
  • If the employee ceases employment, the lease can be re-novated to another employer, or you just simply start making the repayments
  • The exact benefit to the employee must be independently calculated by a qualified financial advisor taking into consideration your salary and overall tax position, car value, kilometers to be driven, FBT rates and tax rates

*Independent professional financial and tax advice must be sought to determine all tax and GST benefits

Personal Lease

  • Financer takes ownership of the asset and once fully paid client has options to take ownership
  • Trade-ins and/or deposits can be used to reduce the loan amount
  • Loan can have a residual balloon payment to reduce monthly payments
  • Payments can only be monthly
  • Loan Term 12 – 60 months

No tax benefit