JK Lending understand that there are many uncertainties when you are a first home buyer; You may not know how much you can borrow, what deposit you require or the most effective way to structure your home loan. We understand the issues you face when trying to get your foot in the market and are here to offer expert knowledge to help you get into your first home sooner.
We can help you;
- Determine your borrowing limits to be sure you can afford the required repayments
- Make sure you have enough deposit
- Get the right loan structure with appropriate features and most competitive rates
- Apply for First Home Owners Grant
- Understand the associated fees with purchasing a home, such as stamp duty, transfer fees and bank fees
It’s never too early to talk to a broker.
Self Employed Loans
Whether you are self-employed or are finding it difficult to prove your income, we have a wide range range of loans to suit the self employed. Working for yourself can sometimes mean you spend more time looking after your customers and less time organizing paperwork.
At JK Lending we understand your time and focus is on your business, and in the past you may have been denied a traditional home loan due to your self employed position. Everyone is different, however you may be surprised by the number of options that are available today and at reasonable rates to you, with product solutions that fit your specific self employed situation.
Are you looking at renovating your home? Do you want to upgrade your car? Would you like to fund the holiday of your dreams?
Personal loans can assist you in achieving your goals sooner. We provide a range of flexible personal loans designed to suit your needs, with competitive interest rates and personalised repayment plans.
Choosing the wrong loan for your situation can be an expensive mistake. Our mortgage brokers will ensure your loan is tailored to you and your situation.
Investment Property Loans
With investment rates so low, investment properties have never been more accessible. If you’re considering an investment in real estate, we want work with you to find the most competitive finance solutions and loan structure to suit your personal needs.
JK Lending can assist you in determining the equity you hold in your current property and help you determine a borrowing amount you will be comfortable with.
Whether you’re moving house, renovating or looking for a different home loan option, our home loan refinancing guide will help you make the most of your mortgage, so you can achieve your financial goals.
When refinancing makes sense:
- Your current loan provider is no longer competitive, and you would like a better interest rate or new features for your loan to make managing your finances easier
- You would like to use the equity on your current loan to make some big purchases such as renovations or an investment property
- You would like to consolidate your debts such as a personal loan or credit card best onto your mortgage
- You would like to fix your loan at an opportune time
We will take the stress off your shoulders and carefully consider your situation to ensure you will be left in a better position after refinancing your loan. Loan rates and features are constantly evolving and improving and we will assist you in finding the best product for your lifestyle. We will compare these products to your current loan to ensure the fees and charges are competitive.
If you are looking to grow and expand your business, we can help you understand the wide variety of loan types available to you. To qualify for a business loan, your business must be in sound financial shape. It may also help if you can provide some form of security against the business loan, such as commercial or residential property. If the loan is unsecured it is likely to come with a higher interest rate.
Small Business Loans
A business owner might take out a loan to cover one-off expenses such as buying new equipment, paying for training, or renovating their facilities. Alternatively, loans might be used to improve business cash flow and provide flexible access to a pool of funds to be called upon as needed.
A business loan can be structured either on an upfront basis, where the entire value of the loan is withdrawn at once and paid back in regular instalments, or it may be on call, with payments determined by the amount of the loan that the business has drawn down.
The different business loan types naturally come with varying interest rates and repayment conditions.
We can organise any type of lease or equipment loan, anywhere in Australia. We provide finance for different financing and leasing options.
It’s important to understand which type of equipment loan to take. If you are unsure, just ask us and we will be happy to go through these.
Some choices available are:
- chattel mortgage
- commercial hire purchase (CHP)
- equipment lease
- fully maintained equipment lease
- equipment rentals