Australian Loans Australia Wide

Australian Loans Australia wide home loans and debt consolidation including car loans, personal loans and bridging finance


Australia wide finance for any purpose

Save money with consolidation loans

We consider people with bad credit

New loans and refinance available

Refinance home loan with lower interest rate

Business loans and working capital finance

All loans Australia wide available

Professional service without obligation





Home Loans

Australian Loans specialise in new mortgage and home loans refinance as well as in debt consolidation. We also offer full spectrum of other loans financial products

When buying a home you have a choice of many different types of home loans offering different interest rates and conditions. When applying for a home loan it is important to know the exact fees and costs involved including application fees, ongoing monthly fees and late payment fees.

Also you need to know if a line of credit is available, if your interest rates are fixed or variable or a combination of these. Are you allowed to make extra repayments on your home loan without penalties and if you decide to switch your home loan to another bank are there any exit fees. Home loans Australia wide.

You should consider the current financial situation and decide if it is better to have a fixed interest rate or a variable interest rate. Home loans (mortgages) can be used for: Refinancing, Investment, Non-Conforming Loans, Lo Doc, No Doc, Land, Renovation, First Home Buyer, Construction and more.
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Debt Consolidation

We provide two different types of consolidation loans, one where you can consolidate debt into one single personal loan, and the second option enables you to consolidate all your loans into your existing home loan. We will consider all enquires regardless of your current credit rating, credit defaults and late payments or arrears.

People with enough equity in their existing home will benefit from home loan refinance if they need to consolidate large personal loans debt and credit card debt. Smaller personal loans and credit cards debt are usually consolidated into one, new personal loan. This option is suitable for those without an existing home loan.

Debt consolidation is simply the replacement of several debts into one single loan. In this way, several monthly repayments are replaced with a single monthly repayment. After debt consolidation your monthly repayments and your interest rate are reduced, so you are actually saving some money each month.

The other benefit of debt consolidation is easier management of your finances, as you only have to think about one single loan instead of several. In most instances you can consolidate unsecured and secured loans. Most often, people consolidate credit cards, store cards and unsecured personal debts as this type of finance has higher interest rates. We can help people with paid defaults, unpaid defaults, bad credit ratings and arrears as well.
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Personal Loans

There are two main types of personal loans: secured and unsecured.

Secured personal loans are used for cars, trucks, vans, boats, office equipment, machinery, tractors, medical equipment, caravans, motorcycles, shop fitouts or any other items or products. Unsecured personal loans can be used for holidays, weddings, paying utility bills, medical bills or just cash for your special purposes.

In general, secured personal finance have lower interest rates as the finance is secured against the items purchased. The interest rates for both types of finance will depend on the amount you are borrowing and your current financial situation.
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Car Loans

A car loan is a secured personal loan used to purchase a car or any other vehicle. Usually, the finance company will directly provide the loan for your car, which means you don't own the car until you repay the loan in full.

As car loans are secured against the vehicle purchased they will have lower interest rates than unsecured loans. In general, the more you borrow, the less interest rate you are paying. Also the better the credit rating you have, the better the interest rate available.

The interest rate for car finance can be variable or fixed. When signing a contract for your loan you should be aware if there are any early repayment fees, missed payment fees or any additional fees. Depending on the purpose of your car, finance can be taken as: Standard, Commercial Hire Purchase, Finance Lease, Novated Lease, Operating Lease or Chattel Mortgage.
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Credit Cards

Choosing the right credit card for you can be a tricky task. Before you decide on the type of credit card you want, you should consider your spending habits and your money management.

Depending on which credit card features are more important to you, you can choose between the following types of credit cards: Low Interest Credit Cards, Balance Transfer Credit Cards, Gold & Platinum Credit Cards, Rewards Credit Cards, No Annual Fee Credit Cards. Each of those credit cards have their own features and conditions.

In Australia there are three main credit card companies: MasterCard, Visa, and American Express. They provide credit cards through banks and credit card issuers Australia wide.
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Bridging finance

This type of finance is mostly used for business purposes. Cash flow, expanding business, unexpected business costs as well as the purchase of investment property, shares, tax bills and more. Bridging finance must be secured by your real estate, and in some instances cars and boats may be used as security.

The interest rates for bridging finance are calculated monthly and are higher than standard as the money is organised within 24-72 hours. The loan is generally for a 1 to 6 month period, in some instances a term of up to 12 months is available.

To obtain bridging finance you must have equity in your real estate, which means the value of your real estate must be more than what you owe to the bank. If you are using vehicles as security you must own your vehicle outright.
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Finance News

Bankruptcy


Times are tough, thinking about bankruptcy? Every year 1000's of Australians are declaring bankruptcy. The most common reasons for bankruptcy are: reduced income, medical inability too work or business failure. Find more information about bankruptcy, your options and where to obtain professional advice, bankruptcy.

Enquire about debt consolidaton, mortgage, home loans, car loans, short term loans

Consolidating my credit cards and personal loans into my mortgage is saving me more than $1,200 each month. I should have done this a long time ago. - Robert H.



Short Term Loans

Fast loans for business purposes. When finance is required urgently, we can organise short tem loans within 24-72 hours. Short term loans are available for terms between 1 month and 24 months.

Business Loans

Expanding existing business and looking for capital finance? Business loans with reasonable interest rates. Many new business ventures require business loans for a successful start.



Sponsors:

Loans Consolidation - Too many debts and credit cards? Save money with debt consolidation.

LoansConsolidation.com.au

Bankruptcy Options - Considering bankruptcy? Find more about your financial options, advantages and disadvantages of insolvency.

BankruptcyOptions.com.au

Finance Search - Find Australian finance providers. Financial and related services.

FinanceSearch.com.au

Car Loans - All car loans Australia wide available. Find about car finance and what to look for when buying a car.

Car Loans

Bridging Loan - Do you need finance available in 24-48 hours? Loans for any business purpose including property settlements.

Bridging Loan

Business Finance - Funds available for commercial projects, business mergers & acqusitions, cash flow and investment.

Business Finance

Bankruptcy and alternatives - Possible solution to your financial problems.

Bankruptcy

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