Specialist Loans

If you have, or are setting up, a self managed superannuation fund (SMSF) then your accountant, lawyers or financial planner may have suggested that you consider purchasing a property via your SMSF. Or, maybe you already own a property and possibly paying too much with your current lender. Either way, if you don’t know where to start – as the major banks no longer offer that type of funding – then getting finance can be challenging. 

Unlike in the residential space, you are able to purchase a commercial property from which you can operate your own business via a lease arrangement. That is in addition to purchasing a property for rental to a third party.

Whilst you must always take professional, legal, accounting and financial planning advice, we understand what you can and can’t do by way of borrowing funds using this type of structure. Here at Loanworx, we have financed a number of these so we understand the issues to be aware of and work closely with your professional team to ensure that we are all on the same page. We work with a panel of lenders that specialise in this area to ensure we get you a great deal and meet all of your legal obligations. Our approach here is to project manage this for you and ensure that your transaction proceeds smoothly and with the minimal involvement from yourself.

If your background is of a professional nature including accountants, lawyers &, medical professionals and you have a recognised qualification, or are in the entertainment industry, your financial position may be more complicated than others. This is because you may have various allowances and multiple roles or complex structures. You may be able to access higher value loans with lower deposits which can normally make getting a loan a little more challenging.

If your background is of a professional nature including accountants, lawyers &, medical professionals and you have a recognised qualification, or are in the entertainment industry, your financial position may be more complicated than others. This is because you may have various allowances and multiple roles or complex structures. You may be able to access higher value loans with lower deposits which can normally make getting a loan a little more challenging.

Loanworx brokers have access to multiple lenders that can offer specialist lending schemes for borrowers like yourself and these may include being able to borrow up to 95% of the purchase price/valuation of a property without incurring Lenders Mortgage Insurance (LMI) costs. This can result in a significant saving and open up a great deal of opportunities to invest or purchase.

Our brokers recognise that you may work outside of normal working hours, so do we. We are happy to come to your place of work or home at a time and day to suit you or via Zoom if easier, to run through your requirements. We fully understand that you may have a complex structure with multiple entities and trusts. We are very familiar with understanding financial accounts and putting it together in a way the lenders understand. We have fantastic relationships with a number of lenders in this area who are always particularly keen to bring on professionals as clients. Conscious of your valuable time, we understand your days are full on and you’ve no time to spare. So we’ll take care of everything for you from start to finish liaising with your accountants and lawyers to ensure everything progresses smoothly for you with minimal involvement on your part. As we say, ‘Trust us, you’re in safe hands’.

Sometimes, being self-employed sucks. The banks want so much paperwork and you may not have even had chance to bring you tax returns uptodate, or your business has changed direction and the last tax returns do not best reflect the current model.

Don’t despair, our trusted mortgage brokers have a number of dedicated lenders who specialise in the likes of yourself., From self-declared income, to using your BAS returns, or your accountants confirming your income level, there are many ways we can help you move on that next transaction.

These loans are often called “ Low Doc” as less information is required for these specialist lenders to assess your situation. And often they are not much dearer than a standard loan with all the paperwork that that entails. Our trusted mortgage brokers have access to hundreds of deals like these every day and can quickly and efficiently help you find the right solution for your circumstances.

Not all lending ticks the boxes and is available from traditional sources. Sometimes you need access to funds quickly to bridge a purchase of a property. Sometimes it may be to put towards a development project that has gone over budget. Maybe it’s to inject into your business due to an unforeseen event. How do you know where to start with so many private lenders these days?

Our trusted mortgage brokers at Loanworx Group see many offers from private funders. We have access to a select panel of boutique established private lenders who have a good reputation and history of delivering funding when required without last minute hiccups and changes in terms. It is a specialist area we work in – and the interest rate and fees are higher than you’d pay for high street lenders – but your circumstances mean that the traditional options are not available when you need a quick solution. Let us work with our lenders to find the best solution for you.

Buying a car is exciting and often you need access to funds fast. You probably have been asked by the dealership if you are buying from them to take up their finance. Or, maybe you are buying privately and need to organise the finance. With so many lenders to choose from, where do you start and who will be best suited for your circumstances, so that you don’t need to complete applications which can harm your credit score?

If not buying a car, maybe you need some funds towards paying off your credit cards, for a holiday, wedding or small home renovation or any other legitimate purpose.

We have a team of specialists that we work with, that have a large range of motor finance lenders and personal loan providers. Depending on your circumstances and credit record our specialists can suggest the most appropriate lender for you and handle the application process for you. The beauty in our expertise is having the skill to find the best lender for you first time, so we can quickly get access to your funds – sometimes within 24 hours of approval making sure you don’t miss out on that important purchase.

At Loanworx, we don’t mind whether you borrow $5,000 for that second hand car or $250,000 towards that next Ferrari, you still get the same consistent professional service.