How much can I borrow?
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| There are several factors to take into consideration
such as available monthly income and property equity. The most important
considerations are that you can afford the monthly repayments and
that you are a homeowner/mortgage payer. We can arrange loans for
any amount, from $3,000 to more than $3 million. |
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Over what period of
time can I spread my loan repayments?
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| This is of course up to you, and depends on how much
you can afford each month. Our loans are usually available over 3
to 25 years. The repayment guide should help you. |
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What can I use the loan for?
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| Anything you want, there are no restrictions. Maybe
you need to reduce your monthly outgoings by paying off all your debts,
leaving you with one lower and more manageable monthly payment. Or
perhaps you'd like to buy a new car, boat or caravan. How about a
luxury cruise or exotic holiday? What about new windows, or a conservatory,
maybe an extension? It really is up to you, as long as it is legal. |
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What happens if I'm
ill and can't work or I'm made redundant?
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| We offer, and recommend, optional accident, sickness
and redundancy cover to give you complete peace of mind. Life assurance
is also available, and some plans offer this free. |
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Is my application confidential?
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| Yes, completely. All applications are treated in
the strictest confidence. We do not contact your employer or bank
unless absolutely necessary, and even then only with your prior written
consent. |
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Can I pay off lump
sums and/or settle the loan early?
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| Absolutely! And there are no time restrictions. Call
us for the advice on the most economical way of settling your loan,
we'd be happy to help. |
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What happens if I
want to move house?
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| No problem! Simply pay the outstanding balance of
your loan from the proceeds of the sale. Alternatively, we may be
able to transfer the loan to your new property. Again, we're happy
to provide you with free advice on the most economical route to take.
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Can I borrow more
in the future?
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| Yes! Do it the easy way! Simply call us free on 1300 305 085
or apply online, and we will immediately process your application.
We already have your details, so this is a straightforward process
and we'll send you a cheque assuming your application is successful. |
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What do I do now?
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Either complete the online application, or apply
by telephone - free on
1300 305 085. Our state-of-the-art computer system allows us to process
your application in the fastest time possible, which means we can
give you a fast decision, in principle. |
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