Product & Services | Adventurer Finance Solutions

We can assist you with a vast range of products for all types of funding, Even when the banks have said no. We take the time to understand your goals and we will work hard to earn your trust and your business.
How we can assist.

Whatever your finance needs, Simon and Alyssa will tailor a package to best suit you. We can also assist you with your insurance needs and make sure you and your assets are protected.
We will provide you with up-to-date information on interest rates, products and services outlining their features and benefits where we help you choose what is right for you.

Our service is available at a time and place that is most convenient to you. Contact us today for an obligation free appointment. After hours and weekends available.

Basic Loan:

The main feature of a basic home loan is a very low variable interest rate with little or no regular fees.

These loans offer few extra features. For example, if you want the flexibility of a redraw, you generally pay extra.

For more information Contact Adventurer Finance Solutions

Honeymoon Loan:

A discounted introductory rate for the first few months or years is a popular feature on home loans. For example, your introductory rate might be two percent below the standard variable rate. Your rate will change if interest rates change, but it will remain cheaper than the standard variable rate.

During the introductory period take advantage of the lower interest rate and pay off your loan as quickly as you can. When the introductory period ends, your mortgage will revert to the standard variable or fixed rate.

For more information Contact Adventurer Finance Solutions

Fixed or Variable Rate Home Loan:

The basic interest rate on a home loan is known as the standard variable rate. The rate is calculated using the interest rate set by the Reserve Bank of Australia, which changes according to economic criteria set by the Bank. As the name suggests a variable rate loan may go up or down during the term of the loan.

Many lenders also offer loans at a fixed interest rate. This means that your interest rate does not change for a given period of time – usually from one to five years, some lenders have a 10 year option.

Fixed rates are generally higher than variable rates, because they include a premium to keep the rate fixed, and thereby protect against the risk of rising rates. The longer the term, the higher the premium. The certainty of a fixed rate can help with budgeting in the early years of a home loan – it’s good protection against the unexpected.

Some fixed rates allow you to make limited extra repayments These loans also carry penalties if you cancel the loan.

For more information Contact Adventurer Finance Solutions

100% offset loans & accounts:

With an offset account your income is paid into an account that is linked to your loan. You can use the account for all your:

EFTPOS
Cheque
Internet banking
Credit transactions.

The balance in the account is offset against your loan. The more money you keep in your account, the faster your loan is reduced.

These loans are usually charged at the standard variable rate or higher, and may have other fees.

For more information Contact Adventurer Finance Solutions

Line of Credit:

With a line of credit, you pay all your income into your loan account. Essentially it all goes to pay off your loan, but you also use your account as your cheque, credit and savings accounts combined – almost like a simple redraw facility. Keeping money in the account can reduce your loan amount and your interest payments.

You have a pre-approved loan amount that you can access bit by bit, or all at once. This is a very flexible way to borrow, but interest rates tend to be higher than standard variable rates, and there are usually fees.

These loans are more difficult than standard loans for most people to repay because there is no set monthly repayment.

For more information Contact Adventurer Finance Solutions

Split Loan:

If you are attracted by the certainty of a fixed rate, but would like some flexibility, then you might consider a split loan.

You can choose which proportion of your loan you would like at a fixed rate and which you would like at a variable rate.

You benefit from the lower rates and flexibility of a variable loan, but also give yourself some protection against potential rate increases.

For more information Contact Adventurer Finance Solutions

Debt Consolidation:

Debt consolidation is the process of taking two or more loans and combining them into a single loan, this may help you to save money by reducing the amount of interest you pay, reduce repayment periods and improve personal cash flow. Debt consolidation can also make it all a little more convenient, by giving you one repayment. Debt consolidation loan to pay off your credit cards, personal loans and home loan, debt consolidation provides you with greater financial freedom as it saves you time and money.

For more information Contact Adventurer Finance Solutions

Low Doc Home Loan:

With no need for documentation to prove income, low doc home loans are designed for borrowers who would not normally comply with the usual income
verification policies for standard home loan products.

For example, people with irregular income streams such as the self-employed, those who have difficulty in separating their personal and business cash flows,
or who do not yet have up-to-date financial statements.

Borrowers must complete a self-assessment of their financial position in the form of a declaration and they should be sure that they have the ability to
repay the loan without undue hardship. Lenders require a substantial amount of equity in the property being offered as security and a clean credit history.

For more information Contact Adventurer Finance Solutions

Family Guarantee Loan:

There are a number of innovative new mortgage products specifically targeted at first home buyers. These new home loan products assist young people wanting to
enter the property market for the first time by allowing family members to help out.

These loans have the added bonus of reducing the Loan to Value Ratio, meaning that borrowers can dramatically reduce, or even avoid, paying mortgage
insurance

For more information Contact Adventurer Finance Solutions

Construction Loan:

Building the home of your dreams is very exciting, but it can also be very demanding.
The last thing you want to worry about is finance. Adventurer Finance Solutions can navigate this path for you. Our job and our passion is to take the pressure off you by doing as much of the leg work as we can on your behalf. Alyssa and Simon will work closely with you before consulting any lender to find the right home loan product to suit your needs.

Residential Construction / Building Loans can offer flexible finance choices, so you can build your home to suit you. It is available on Discount Variable Loan, Standard Variable Loan, Low Doc and Line of Credit Facilities. Due to our extensive panel of lenders, we can also offer Low Doc Home Finance for Owner Builders at highly competitive interest rates even if you have don’t think you can provide everything that is usually required.
For more information Contact Adventurer Finance Solutions

Bridging loan:

A bridging loan (or relocation loan) is a short-term loan that covers the gap period between purchasing your new property and selling your old one.

These loans are offered at the standard variable rate and usually have a term of six months if you are selling your property.

Each lender assesses bridging loans differently, so it pays to have Adventurer Finance Solutions assisting you. All lenders will require you to have significant equity in
your property for a bridging loan.

For more information Contact Adventurer Finance Solutions

Car Loan:

A Car Loan is a personal finance product where the financier lends the customer funds for the purchase of a vehicle, and secures the loan against that vehicle.

A Car Loan is can also be known as a Consumer Loan or a Secured Car Loan.

How does a Car Loan work?

Under a Car Loan the financier advances funds to the customer to purchase a car.

The customer takes ownership of the vehicle at the time of purchase, and the financier takes an interest in the vehicle as security for the loan.

Once the contract is completed, the financier lifts their interest in the vehicle, giving the customer clear title.

Benefits of a Car Loan

Flexible contract terms ranging from 24 to 84 months (two to seven years)
A balloon value can be applied to the contract enabling the monthly repayments to be tailored to a budget
Choice of fixed or variable interest rates
Deposit (either cash or trade-in) may be used
A tax deduction is available when the vehicle is used for business purposes
The loan is secured against the vehicle, allowing lower interest rates

For more information Contact Adventurer Finance Solutions

Small Business & Self Employed:

Even if you are applying for finance that is not directly business related for example to buy a house but you own a business it is harder to get finance

Home Loans
Investment Property Loans
Business Loans (both secured & unsecured)
Self-Managed Super Fund Loans

It is not impossible for the self-employed to get a home loan – but it isn’t easy either.
Taxable income declared by self-employed people is often reduced, as accountants look for as many tax deductions as they can achieve. Another problem is the sheer volume of paperwork the self-employed person must present to meet evidence requirements.
The good news is that a number of innovative lenders have emerged in recent years and these take a simpler approach than has been taken by lenders in the past.
Alyssa and Simon know which lenders apply which rules.
For more information Contact Adventurer Finance Solutions

Leasing & Equipment Finance:

Lease finance is often also referred to as Asset finance, Equipment finance or simply leasing.
There are four main products used for lease finance
Hire Purchase – the customer hires the equipment until they make the final payment, at which time ownership transfers into the client’s name. interest and depreciation are usually tax deductible.
Chattel Mortgage – the customer owns the asset from the start. The lender takes a charge over the asset. Interest and depreciation are usually tax deductible.
Finance Lease – the asset is owned by the lender. The client is basically leasing it from the lender and does not take ownership. Rental payments are tax deductible, but not depreciation as the asset is not owned, but leased.
Novated Lease – the asset is owned by the lender. Rental payments are made by the employer. Rental payments are usually tax deductible.

Type	Owner	Security	Benefits	Points
Commercial Hire Purchase (CHP)	The financier is the “owner” whilst the client is the “hirer”	Secured by the vehicle or asset, upon receipt of the final payment ownership of vehicle tranfers to the client.	Interest component of loan repayments and depreciation are tax deductible.(Deposits or trade in equity can be applied)	When you want to upgrade the vehicle or asset it can help to avoid capital gains tax liability.
Chattel Mortgage	The client is the owner of the goods	Secured by the asset, where the financier takes a mortgage over the asset.	Key difference between this and CHP is the ownership of the asset. Best for businesses using the ‘cash’ method of accounting for GST.	If you are on ‘cash’ method of accounting you can obtain full tax credit for any GST paid relating to the purchase of the asset.
Escrow	Provides interim finance to allow progress payments on assets being constructed or installed	Same as CHP	Allows the funder to establish a line of credit which can enable the goods to be imported	Referred to as Import finance or Progress payments
Leasing	Financier is the owner of the good. .	Lease is secured by the asset, which is held in the name of the financier	No down payments, the flexibility of returning the equipment, Lease payments are fully tax deductible

With all of the above products the term is normally limited to 5 years.
For more information Contact Adventurer Finance Solutions

Personal Loan:

Whether you are planning a holiday, buying a car or are wanting to consolidate your existing loans, Adventurer Finance Solutions can help. We offer a range of personal loans to suit your needs, plus we make the loan process as easy as possible.
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Insurance:

Insuring your most valued assets being you and your house & contents is an important part of the process for anyone entering into a contract to borrow money.

At Adventurer Finance Solutions we are able to assist you with Life Insurance, Home & Contents Insurance and also Land Lords Insurance for the investor’s.

For those that require a more in depth level of coverage we can refer you to a fully qualified Financial Planner.

For more information Contact Adventurer Finance Solutions