SERVICES
HOME LOAN
Get the best deal:
We can negotiate a competitive rate.
Less Hard work: we do all the paperwork and running around.
Find the right home loans for:
First home Buyer
Refinancing
Investment
We know that being able to afford your dream home. Buying First Home or investment property loan matters to you. We also know it gives you peace of mind to know that your home loan can adapt with you as your needs change over time.
We’d like to introduce you to our range of Home Loans Products.
Basic :
Looking for a simple loan? With no ongoing fees and a competitive interest rate, the Basic Home Loan gives you all the basics, plus a little more.
Offset :
Pay off your loan using an offset account and still maintain flexibility with this fully transactional loan.
Line of Credit :
Take advantage of investment opportunities by maximizing access to equity in your loan. The Line of Credit Home Loan also has the flexibility of a principal and interest account.
BUSINESS LOAN
Are you looking to set up your own business?
Or
would you like to access finance to help your business grow?
Whatever your situation, Australian Mortgage Company Pty Ltd is an online lender is bound to have a commercial finance product to suit your needs.
Aussie Finance and Mortgage Pty Ltd provides professional advice on a full range of commercial and business finance options for you.
Australian Mortgage Company Pty Ltd is able to assist you with commercial lending advice on business loans, debtor finance, equipment finance and commercial property finance or property development and many more.
To stay one step ahead, we are also continually sourcing new lenders, whether they are mainstream, non-bank or private lenders. This is part of our commitment to providing the best choice and service possible to you.
We can assist you in accessing working capital to cover you for growth, expansion and seasonal sales fluctuations.
With the experience in organising cash flow and finance for many industries.
We help you organise cash flow solutions to enable you to grow your business with confidence and security. With the ability to lend against balance sheet assets and invoices, our adviser can help you assess which flexible funding solution is best suited to your circumstances.
CAR LOAN
The Secured Car Loan:
Features and benefits
. Pay a lower interest rate by using your car as security
. Fixed interest rate and repayments for the life of the loan
. Choose from weekly, fortnightly or monthly repayments
. Choose a loan term from one to seven years
. Make extra repayments up to an additional $5,000 per year^
. Borrow from $5,000 with no maximum loan amount. If you want to borrow more than $10,000 take a look at our Unsecured Variable Rate or Fixed rate personal loans
Rates and fees:
Rate type : Fixed Rate
Interest rate : From 4.99% p.a.
Comparison rate : 6.54% p.a. based on an unsecured $15,000 loan over five years
Important information:
Your interest rate will be based on a number of factors, including the information you provide and our assessment of your application. We will confirm your actual interest rate in your loan offer document.
*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
Fee type: Establishment fee
Definition: Upfront cost payable when accepting a loan
Amount: Varies
Fee type: Loan service fee
Definition: Monthly charge to cover costs of keeping account active
Amount: $4 per month
Some additional fees, including a late-payment fee, guarantee fee and other electronic banking fees may also apply.
PERSONAL LOAN
Choose a personal loan
A. Fixed Rate Loan
B. Variable Rate Loan
Fixed Rate Personal Loan
Features and benefits:
. Fixed interest rate and repayments for the life of the loan
. Choose from weekly, fortnightly or monthly repayments
. Borrow from $5,000 to $100,000
. Choose a loan term from one to seven years
. Make extra repayments up to an additional $5,000 per year^
. Convenient application process through online, over the phone
. Same day funding* if you apply before noon Monday to Friday(AEST)
Rates and fees:
Rate type : Fixed Rate
Interest rate : From 5.90% p.a.
Comparison rate : 6.77% p.a.* based on an unsecured $15,000 loan over five years
Important information:
Your interest rate will be based on a number of factors, including the information you provide and our assessment of your application. We will confirm your actual interest rate in your loan offer document.
*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
Fee type: Establishment fee
Definition: Upfront cost payable when accepting a loan
Amount: Varies
Fee type: Loan service fee Definition: Monthly charge to cover costs of keeping account active
Amount: $4 per month
Some additional fees, including a late-payment fee, guarantee fee and other electronic banking fees may also apply.
Variable Rate Personal Loan
Features and benefits:
. Competitive variable interest rate
. Flexibility to make extra repayments without a fee
. Redraw additional repayments you’ve already made
. Choose from weekly, fortnightly or monthly repayments
. Borrow from $5,000 to $100,000
. Choose a loan term from one to seven years
. Convenient application process through online, over the phone
. Same day funding* if you apply before noon Monday to Friday(AEST)
Rates and fees:
Rate type : Fixed Rate
Interest rate : From 6.90% p.a.
Comparison rate : 7.95% p.a.* based on an unsecured $15,000 loan over five years
Important information:
Your interest rate will be based on a number of factors, including the information you provide and our assessment of your application. We will confirm your actual interest rate in your loan offer document.
*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
Fee type: Establishment fee Definition: Upfront cost payable when accepting a loan
Amount: Varies
Loan service fee: Monthly charge to cover costs of keeping account active
Amount: $4 per month
Some additional fees, including a late-payment fee, guarantee fee and other electronic banking fees may also apply.
BOAT LOAN
Australian Mortgage Company Pty Ltd offers two types of marine loans; secured and unsecured.
No matter what type of personal loan you are after, we will arrange the amount you need for your boat, to be repaid over a period of up to 7 years. We can also help you with boat insurance and loan protection.
Payments can be made either by direct debit, Cheque, BPAY, internet banking, direct payroll, or cash where necessary, with repayments scheduled fortnightly or monthly.
Your boat loan will have a Variable or fixed interest rate, with interest calculated on the unpaid balance daily. You can make extra or additional payments to reduce the outstanding balance, thus reducing the interest charges. This can shorten the term of the loan and reduce the overall cost.
Even though this is a personal loan, you could make a tax claim on depreciation and interest charges if the boat is used for business or work related purposes. You should check with your accountant as to whether this would apply to you.
We also offer a variation known as balloon payment or residual option which is growing in popularity. By setting a large balloon payment for the end of the term – varied based on your circumstances – you can reduce your monthly repayments to better suit your budget. At the end of the term you have the option to either pay out what is left in one hit or re-finance the remaining balloon amount to continue paying off the boat over a new loan period.
A. Secured Loans
Most personal loans in Australian are secured. This means that as individual borrowing money to buy a specific item – such as a boat – that item is the security for the loan. If you trade-in or sell your boat prior to the end of the loan term you must then payout the loan. These loans generally have a lower interest rate than unsecured loans.
B. Unsecured Loans
Unsecured loans are very versatile in that they can be used for nearly any purpose including debt consolidation, holidays, weddings, or even boats that do not qualify for secured loans for whatever reason.
TRUCK LOAN
Do you need to purchase a truck to grow your business?
Have you been searching for the right truck finance?
Fortunately, truck buyers are able to obtain truck finance from several different sources, including both online lenders and traditional financial institutions. We usually provide truck loans over fixed terms, with the loan amounts, interest rates, and repayment schedules depending on factors such as the credit score of the buyer and the type of truck being purchased.
The minimum truck loan amount that you can apply for is $10,000. If you are looking to buy a newer truck or lease one, then there is no limit on how much money you can borrow from an approved lender.
We provide hassle-free Truck Finance for Commercial Truck Loans.