Products and Services
Whatever your circumstances we are here to assist by tailoring a financial solution to meet your needs. Whether it be for your first home, a new home, an investment property or a business, vehicle or commercial equipment, we can source a financial product that will work for you.
Looking to Buy a Home
Buying an Investment Property
Refinancing
Commercial Property Loan
Business Lending
Vehicle and Equipment Finance
Looking to Buy a Home
Buying a new home
Our professional Lending Advisers have assisted thousands of home buyers with understanding the finance application and settlement process and sourcing the right home loan to meet their needs.
Whether you are a first home owner or thinking of buying a new property making an appointment with one of our Lending Advisers can save you time and money and provide you with the confidence of knowing what you can afford.
We will assist you by:
- Reviewing your goals and home loan requirements (if you already have a mortgage we will assess whether it is still the most suitable option for you).
- Helping you to select the home loan that meets your needs in terms of it's features, facilities and rates.
- Explaining what you can expect through the loan application and settlement process.
- Completing the necessary documentation for you to review and sign.
- Informing you of the costs, such as bank fees and charges, stamp duty and conveyancing fees.
- Keeping you up to date on the progress of your application and being available to discuss any questions you may have.
As part of our service we are able to arrange your mortgage protection insurance at the same time as applying for your loan. Insurance can help protect you and your family if the insured is unable to meet their mortgage repayments as a result of death or serious illness.
Buying your First Home
By contacting us we can guide you through your first home loan, ensuring that buying your first home is the exciting and rewarding experience that it should be.
We can steer you through the First Home Buyer's Grant application if you are eligible. For more information visit http://www.firsthome.gov.au or call us to discuss your first home purchase.
Enquire online or call 1300 821 000 to talk to us about your first home loan today.
Arranging Pre-Approval of your Loan
For your peace of mind when looking for your new home or investment property we recommend you consider obtaining pre-approval of your finance. This means that your lender of choice will have granted you a pre-approval on your home loan for a specified amount, which eliminates any uncertainty of whether you will be able to obtain finance to buy the property you want. This will provide you with peace of mind and confidence when finding your new property.
Our experienced Lending Advisers can assist you in obtaining pre-approval for:
- home loans
- investment loans
- commercial finance and business loans
- vehicle finance, plant and equipment finance.
You can use our mortgage calculators to determine your approximate borrowing capacity. However for an accurate assessment we recommend you contact us to discuss your situation — there is no obligation.
Enquire online or call 1300 821 000 to arrange your finance pre-approval today.
Construction Loans
Construction loans are available to
- First homebuyers to build a new home
- Current homeowners looking to make improvements, add an extension or build a new home
- Investors wanting to build a property.
With a construction loan you pay interest only on the amount drawn upon and paid to the builder at each step of the construction process. On the completion of construction, when the builder has been fully paid, your loan will revert to your standard monthly payments.
If you are considering taking out a construction loan, enquire online or call 1300 821 000 to talk to us today.
Online Enquiry
Buying an Investment Property
Whether you are buying your first investment property or building your portfolio, by contacting one of our experienced Lending Advisers we can assist you in developing your finance strategy and guide you through the investment loan process.
We will provide options to align your goals with the features, facilities and rates available across the range of investment loans. Our professional advice covers over twenty lenders and hundreds of loan products to choose from so we can tailor a solution to meet your needs. Click here for further information on obtaining pre-approval of your finance if you haven't already found your investment property.
Understanding the tax issues involved in property investment is vital for building a solid investment portfolio. You should also be clear about your objectives and consider how you want to structure your investment loan:
- Are you planning on using equity in your home as a deposit?
- Are you looking to repay interest only or pay off the loan as soon as possible?
- Would a construction loan be beneficial if building a new property?
- Would commercial property be an option for you to consider?
It is important before deciding on a property investment to discuss these matters with your financial adviser or accountant to determine what is right for you. Enquire online or call 1300 821 000 to arrange your investment loan today.
Online Enquiry
Refinancing
Our experienced Lending Advisers can provide you with specialist advice and assist you in assessing whether your existing home loan is working for you. Our Lending Advisers can review your situation, saving you time and potentially money and provide you with the confidence that your loan continues to suit your circumstances. You may be considering refinancing your home loan to:
- Reduce your interest rate to lower your monthly repayments or pay off your loan sooner.
- Provide peace of mind with a fixed rate home loan.
- Consolidate debts, including credit cards and personal loans, to reduce your interest rate and repayments.
- Free up funds to renovate your home, to take that overseas holiday or to invest.
- Change products to one with fewer extras (and hence a likely lower rate) if you no longer require the features and options currently offered.
We are available to assist you with refinancing your loan — enquire online or call 1300 821 000 to talk to us today.
Online Enquiry
Commercial Property Loan
Commercial Finance covers all types of investment lending from retail, office, industrial to specialized or construction and development for investment or realisation. From $50,000 to $100m; the experience and accreditations are available to service your needs.
Our Commercial Finance Advisers have experience in all investment types and they know the importance of understanding your individual requirements; regardless of complexity in structure, to tailor a finance package that is going to suit you with tax effectiveness and flexibility.
They will represent your interests in a professional manner, either by going direct to a suitable lender or tendering your requirements to all suitable Commercial Lenders to ensure you are aware of all the options available to you. You then can see the lender who is going to acknowledge and respect your financial position.
We will follow the transaction through to a successful outcome and like to maintain a long term relationship to ensure that your finance position always gains the respect it deserves.
Online Enquiry
Business Lending
The Business Lending team have professional experience across all industries and finance facilities to suit your needs.
- Business purchase or acquisition
- Franchise Lending
- Cash Flow Capital
- Plant & Equipment Finance
- At Call Equity Lines
- Importing and Exporting Facilities
- Agriculture
- Broad Acre Farming
- Pastoral
- Aquaculture
- Viticulture
- Horticulture
- Regional or Rural Commercial Lending
Regardless of your Business Lending requirements there will be a specialist available to guide and manage the processes of obtaining a finance solution to suit your requirements.
They will understand your past experiences, present position and your future goals. Then, with an accurate understanding of lending policies show you all the finance options available for you to choose a lender and their package of facilities.
They will manage the whole process for you and look to have a long term relationship to help you achieve your goals.
Online Enquiry
Vehicle and Equipment Finance
KeyInvest Lending Services provides Vehicle and Equipment Finance to a variety of financial situations to suit your individual needs. Our services include; Personal Vehicle Finance, Personal Loans, Business Equipment Finance, as well as finding solutions for people with bad credit history. When you apply for Vehicle or Equipment finance through KeyInvest Lending Services, we consider a variety of different factors and ensure you choose the right loan for your situation. What we offer:
Car & Truck Loans
At KeyInvest Lending Services, we can assist you with finance for you next vehicle, whether it be new or used through a licenced motor vehicle dealer or a private purchase.
Equipment Finance
Our Equipment Financing includes, but is not limited to:
- Primary and Secondary Industry (Mining, Agriculture, Manufacturing & Construction)
- Business & Professional Services
- Medical, Dental & Veterinary
- Distribution & Materials Handling
- Printing and Photographic
- IT & Telecommunications
- Hospitality
- Retail
- Automotive
- Advantages of Equipment Finance
- Affordable monthly payments for the term of the agreement.
- Acquiring equipment immediately, while spreading the cost over time, preserving cash.
- Flexibility for you to change or upgrade equipment and environment at any time
- Payments that are 100% tax deductable with business use, making it cost-effective.
Personal Loans
Funds are available for any worthwhile purpose, such as, home improvements, furniture, white goods and holidays. Personal loans are not limited to the above mentioned items.
Novated Leasing
Novated Leases can be a tax effective way for wage earners to lease a vehicle through their salary package.
Novated Leases offer a variety of employee benefits:
- Maximises employees take home salary
- Flexibility in vehicle choice
- Fully budgeted lease, including projected fuel, maintenance, registration and insurance costs
- Unlimited private use
- Significant GST savings.
Eligibility
- 18 years or older
- Australian Resident
- Income & Capacity to repay a loan
- Earnings, expenses
- Ability to service loan
- Employment
- Length of time in job
- Type of employment (full-time, part-time, casual)
- Bad Credit History
- Range of loans which may suit your situation
- Bankruptcy
- Discharged bankrupts may be considered