Finance Brokers, Melbourne

At Lending Specialists, we offer professional financial and lending advice from our headquarters in Melbourne. Our finance and mortgage brokers strive to deliver a simple approach to borrowing that you can trust. Whether you need advice on residential or commercial mortgages we’re sure to have the solution for you and we’re here to help with every step of your financial journey from mortgage advice to retirement planning.

Our goal is to get to know each client and their individual circumstances, their current financial situation and attitude to risk so that we can better understand their financial aspirations and then act accordingly.

Now, if it’s straight investment, tax or retirement planning you’re after then that’s not our field, but we do have relationships with a number of quality industry experts in these fields who can help you navigate your way through the minefield of legal jargon and spreadsheets. We all have skills and expertise and we stick to what we do best; and that’s lending.

So contact us and we’ll start looking for the best solution.

Mortgages

There are hundreds of different mortgage options available at any one time; making the process of picking a mortgage rather daunting. At Lending Specialists, we aim to simplify this process and make it as stress free as possible.

Whether you’re buying your first property, remortgaging an existing one or looking to switch your current home loan to get a better rate, we have the knowledge and expertise to help you.

Our team of specialised finance and mortgage brokers source solutions from the market to find a mortgage that best suits your personal and financial circumstances. The property market can be incredibly competitive which is why we work hard to get our clients a decision in principle as soon as possible as this strengthens your position as a potential buyer when you do find the property of your dreams.

We offer advice on the following mortgages:

  • First Time Buyers
  • Loans for Investment
  • House and Construction
  • Principal and Interest and Interest Only Mortgages
  • Remortgaging (Refinancing)
  • Cash Out
  • SMSF Lending
  • Commercial and Development Mortgages

Cash Out

Our Lending Specialists team of mortgage brokers has the knowledge and expertise to help you release equity from your home, so get in touch with us today.

A Cash Out loan allows you to gain access to a lump sum of cash using the equity you have built up in your property and this can generally be used as you see fit. Purposes could include purchasing goods or assets, general home improvements or investing elsewhere in either personal or business activities. Travel, lifestyle and share investments are other common uses of this available cash.

Lending Specialists will discuss your reasons for using this cash out to ascertain if it is the most suitable borrowing option for you. Through these conversations our mortgage broker will proceed to source a suitable loan that’s right for you.

Life Insurance

Many of us prefer not to think about the potential financial implications if the worst were to happen.

It is however, essential to consider what would happen if you were to develop a critical illness and be unable to work: How would your mortgage payments be met? Would your family’s standard of living be affected?

There are various levels of protection available which could cover different circumstances; from Critical Illness Cover or Trauma Cover (which will pay you a lump sum should you develop a critical illness or serious injury) to Mortgage Protection (which covers the cost of your mortgage payments should you be unable to work due to an accident or sickness) through to Death Cover (which can provide your estate with cash to help your family recover financially after your passing).

This is not our speciality, but we know the importance of this type of cover and we have experts that can help with putting the right type of health insurance in place so that in the event you were to fall ill or become temporarily or permanently disabled, you can receive the best possible treatment, as quickly as possible.

It’s important to make sure you have the correct cover in life, but also for your family or business should you pass away. So contact Lending Specialists should you need a referral to a professional adviser.

Pensions

For many of us retirement can seem like a distant dream so we delay our pension planning and instead prioritise other financial commitments such as a mortgage or a new car. However, the sooner you begin to save for retirement the better.

While we all hope to receive a basic pension when the time comes, this alone is often not enough to provide a comfortable level of income in retirement. We get used to living to a certain standard and often find it hard to adjust downward.

There are various options for your retirement planning available, which can make it incredibly difficult to select the correct product for your circumstances. This is where a qualified financial planner can help.

These advisers will be able to help clarify and simplify the whole pension procedure; undertaking a financial audit of your existing pensions, analysing how your policies are performing and identifying if there are any policies that could be moved to provide you with a greater return when you retire.

And at Lending Specialists we work with these experts to help you have a more comfortable retirement.

Commercial

Our commercial finance brokers offer a ‘one stop-shop’ for all your commercial finance requirements.

We can save your business time and money by sourcing the best solution for your situation through a huge range of loans which are available from the financial markets.

We have a competitive advantage over the standard retail banks with respect to commercial finance solutions because we have access to so many additional options outside the mainstream lenders. Loans ranging from fully verified lending to mid-low doc lending, small business loans to larger development finance and loans for both short and extended commercial terms are just some of the options available.

Our in-depth industry knowledge and expertise in business lending solutions means we deliver an efficient and high level of service from initial enquiry to completion. We offer a free no obligation initial consultation.

At Lending Specialists, we allow you to focus on what’s important – running your business.

Our services include loans for:

  • Owner Occupied/Business Premises
  • Investment Property Purchases
  • Asset Finance
  • Invoice Discounting
  • Cash Flow and Working Capital
  • Small Businesses
  • Commercial and Development Projects

Self-Managed Superannuation Lending

Understanding how to invest successfully can be an incredibly complex and time consuming process without a working knowledge of the financial marketplace.

At Lending Specialists we understand the importance of putting the correct investment strategies in place and having and expert guiding you on along the way. You need a qualified investment adviser who can create a completely unique investment plan, based solely on your personal circumstances and risk profile.

If you don’t have your own financial adviser, we have plenty of contacts who fit the bill and we will work closely with these experts to give you the best chance of reaching your financial aspirations. The process generally begins with a meeting with your investment adviser to discuss exactly what your investment goals are and this could range from saving for retirement, to starting up a new business. This gives us them an idea of your timescale and your attitude towards risk.

A good adviser will have in-house analytical tools to establish how your existing investments are performing; allowing them to start building a financial plan. Once your financial plan is presented to you, your adviser will take you through your options in a simple and straight forward manner.

It’s important to understand that every type of investment will have a different structure, tax treatments and will carry investor implications. And if your strategy includes Self-Managed Superannuation Fund (SMSF) lending then we can help source the necessary funds for you.

So, if your plan involves reviewing or taking out a loan or SMSF lending, then we’re here to help

Tax Planning

The Australian tax system is incredibly complicated and keeping up with legislative changes can be extremely confusing and time consuming.

There are legitimate ways to minimise your tax bill, however, many people are unaware that these opportunities even exist.

Your accountant or tax adviser is an important cog in this chain and will help to navigate the complex area of tax planning to make sure that you are making tax efficient financial decisions and these experts will generally:

• Provide you with the most tax efficient ways to save and invest your hard earned money.
• Explain complex tax legislation in way that is easy to understand.
• Empower you to make smarter financial choices which result in better tax efficiency.
• Explain tax implications of the annual budget statement.

At Lending Specialists we understand numbers and will work closely with these experts to help put any plans in place.

Hints For Getting The Most Out of a Finance Broker

1. Only deal with ASIC licensed finance or mortgage brokers.

2. If you’re not sure whether you’re dealing with a licensed finance or mortgage broker, ask or get advice. Some people think they are dealing with the lender when in fact they’re speaking to a broker.

3. Shop around. Ring other finance or mortgage brokers and check what they charge and what they’re offering to do. What do you actually receive for any fees that are proposed and the term this fee covers?

4. Do not sign anything without first reading it carefully. If you don’t understand what has been presented, be sure to get independent advice and make sure you understand the difference between an engagement contract and a loan application. In simple terms, an engagement contract authorises a broker to work on your behalf to source a loan based around certain parameters and there may/may not be a fee attached to this contract. A loan application is an application for finance to a specific lender as recommended by the broker and agreed by the applicant.

Why Choose Lending Specialists

As one of the leading home loan brokers in Melbourne, our specialists are dedicated to assisting clients from start to finish to ensure they are getting the best out of their loan. Whether it’s negotiating with agents, buying at auctions or to help you with any contracts that need to be signed, our Melbourne finance brokers will be on hand to provide you with any help that you need.

• Proven track record with staff having 90 years’ of experience in the mortgage broking industry
• Access to competitive interest rates, conditions and services
• Highly equipped in business, banking, financial and negotiation skills
• Expert knowledge of your local area
• High level of expertise and quality service
• Providing upfront valuations
• Fast approval, simple process
• Members of MFAA, AFCA.

 

Lending Specialists is your Melbourne expert on home loans, business and commercial loans, self-managed superannuation funds, and vehicle and equipment loans. For obligation-free advice that you can trust on home loans, contact Lending Specialists in Melbourne today.

Past performance is not necessarily a guide to future performance. The value of investments and the income from them can fall as well as rise and you may not get back the amount originally invested. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Let's chat about your lending needs today!





Summary
Service Type
Finance brokers offering professional financial and lending advice
Provider Name
Lending Specialists,
Unit 7, 410 Burwood Highway,Wantirna South,Melbourne-3152,
Telephone No.03 8805 1800
Area
Melbourne, South Eastern Melbourne
Description
Help with every step of your financial journey from mortgage advice to retirement planning.