Finance

At Investor Cashflow Finance we offer our clients a long term relationship with their current and future finance needs.

We have a Full Australian Credit License to provide finance advice, and after discussing your Requirements & Objectives, we will provide a loan for you meeting all your needs.

We have access to all the Major Lenders, but each of these lenders have various selection criteria by which we recommend your loan.

For example there are some lenders that do not Credit Score (that means they don’t look at that part of your Credit Report), some have Non Genuine Savings for your deposit so a Gift from a Family Member will cover it, some have Family Pledges which allows Family Members to provide security for your deposit), some have income documentation that only needs 2 years tax returns NOT LODGED, so perfect for Self Employed Borrowers, Some will lend to new employees and the alternatives go on….

It’s not always about the RATE, but what the product gives you for your requirements. For example – if you a constructing with the First Home Owner Grant – do you want that Grant paid at Land Settlement or Slab? Much better at Land Settlement – but how would you know to ask that questions….a number of lenders pay it at Slab?

By using a Finance Professional who can assess your Requirements and Objectives and then match those to a suitable lender….saves you time and money… in not being struck in the wrong loan….just because you wanted to go to your usual Bank! They will only sell you their products, but there are heaps of alternatives out there….it’s the most important decision of your life…so make it wisely!

Credit Impaired Loans

We have few lenders that do not penalise credit impaired borrowers with High Rates. The Lenders have several loan products to suit various levels or numbers of credit defaults.

There are some specialised lenders who will refinance clients who are discharged bankrupts or who even have the Sheriff at the Door.

It’s NEVER too late to ring and chat about your situation. We have helped many clients get credit impaired loan solutions to their problems….and Breathe a Sigh of Relief!!

Private Funding

Private Lenders are available in the marketplace for quick settlements and usually do not get too concerned by credit report glitches. However, they are a quick option but usually only to around 65-70% LVR (Loan to valuation ratio). We have a number of these lenders who even provide 2nd mortgages – ring us with your situation.

We also have a Jumbo Private Lender who will do $30m plus at 65% in Melbourne and Sydney at the moment.

Low Doc

We have an exhaustive array for Lenders providing Low Doc Options for Self Employed Clients – only requiring an Accountant’s Letter. If you do not have all your financial returns done then the Low Doc Option is for you.