Our Services

 
Why Use Our Services ?

Purchasing property and taking out a mortgage is one of the biggest decisions in your life and it is not something you should enter into without professional advice about your options. If you are time poor and don’t have the experience in this space then Ressfin will find you the best home loan suited to your needs with a rate and features that meet your requirements, all within a couple of days.
 
Residential Loans

Purchasing property and taking out a mortgage is one of the biggest decisions in your life and it is not something you should enter into without professional advice about your options. If you are time poor and don’t have the experience in this space then Ressfin will find you the best home loan suited to your needs with a rate and features that meet your requirements, all within a couple of days.
 
Investment Property Loans

Whether you’re after rental income or capital growth, investing in property could be a great way to build your wealth.Your reasons to invest in an investment property might range from seeking to earn profit from the property’s capital growth, supplementing your income with rent from the property, or negative gearing or taking advantage of other potential tax benefits. You might also want to buy an investment property with a Self Managed Super Fund..

Make sure you have explored the real costs of purchasing an investment property. These may include Stamp duty and solicitor’s/conveyancer’s fees.

Make sure you understand your real ongoing costs:

▪ Mortgage repayments
▪ Council and water rates
▪ Insurance
▪ Body corporate fees
▪ Land tax
▪ Property management fees.


Choosing an investment property

The fundamentals of choosing an investment property are similar to choosing as an owner-occupier,
but there are also some additional things to consider:

▪ Location and proximity to key services like transport, shops and schools
▪ Do you wish to buy close to the region where you live or are you prepared to consider further afield?
▪ What type of tenant do you want to attract? A couple, family or group of friends will have different needs.

Once you’ve established the type of property you’d like to buy, make sure you also check the local rental market for similar properties. Check rental return, vacancy rates and how many similar properties are in the area.

Choosing the right loan

Getting an investment loan that suits your needs is an important part of your investment strategy. Home loan features such as interest offset and the ability to make extra repayments, could give you an opportunity to save on the costs of your loan.
 
Refinances

Why refinance?

There are a number of reasons you might consider refinancing. These include:

• You find a competitive interest rate
• You want to adjust your home loan to suit your changing lifestyle
• You’d like to consolidate debts (such as credit cards and personal loans) into your home loan
• You want to renovate and need to access additional funds
• You’d like a home loan health check to ensure you’ve got a loan with the features you need (or check you’re not paying for features you don’t need).

Things to consider when refinancing

There’s more to refinancing than finding the lowest interest rate. Here are some things to consider:
  • Take a good look at your current home loan, including interest rates, fees and features. This will put you in a good position to compare your current   home loan with other options.
  • Find out about the features offered on your current loan as well as features available on other loans and work out what features you need
  • Do the maths.
  • Find out what exit fees you’d pay if you change loans as well as any establishment fees and Government charges for a new loan to ensure you’ll still make savings.
 
Self-Managed Super Funds

The borrowing structure under a self managed superfund has become a popular and tax effective way to purchase residential investment property.

The borrowing structure involves a loan to a SMSF trustee with a Security Custodian purchasing the residential investment property on behalf of the Super Fund. This security custodian, which must be a limited liability company, then holds the property as an asset in trust for the Super Fund, which has the beneficial right to acquire the underlying asset at some time in the future.

The loan is secured against the investment property and while the loan is ideally self-servicing from the rental income derived from the property, servicing may also come from other income received such as superfund contributions.

Key investor benefits:

• Diversification of possible investment strategy to include direct property investment
• Potential to accelerate wealth accumulation
• Potential for improved returns
• Gearing & Capital Gains benefits may be realised
 
Commercial Property Loans

We can assist your business to achieve its objectives by finding appropriate financial solutions
from a wide range of commercial lenders. Products and services include: 

• Finance for purchase of retail, commercial, industrial property for owner-occupation or investment
• Refinance of existing commercial loan facilities on better terms (interest rate, fees, security, loan term, repayments, flexibility etc)
• Finance for property development and construction e.g. residential and industrial unit developments, land sub-divisions
• Debtor Finance – providing businesses with funding against their trade receivables book
 
Asset Financing

We can provide you with a range of asset finance solutions from our extensive panel of lenders.

Products include:

• Leasing
• Hire Purchase
• Novating Leases
• Medical and Dental practice finance solutions
• Debtor Funding

We can assist with finance for:

▪ Motor Vehicles (new and used)
▪ Equipment
▪ Computers
▪ Office Fitouts and Fixtures
 
Debt Management

Why not consider Debtor Finance ?

• As your business grows, the finance facility grows with it
• Leverage your own debtors to enhance your cash flow position
• Debtor Finance, unlike overdrafts, does not require real estate security
• Debtor finance is a self-liquidating facility, meaning that your company isn’t taking on any additional debt
• A stand alone facility that can sit alongside other business borrowings (such as long term loans, leasing)
• Fast access to your debtor's outstanding invoices - no more waiting 30 or 60 days