|
Services
available at AFS
Finance
 |
Residential , Commercial , Business and
Investment purposes |
|
Loans for people
with No Tax returns or pay slips,
up to 95% of
valuation. |
|
Commercial and Industrial Loans up to
80% of valuation. |
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Home Loans at 100% and 106% of
valuation at affordable interest rates* |
|
Loans for people with a poor credit rating up to
90%
of valuation (Rates from 6.69%)* |
|
Commercial Loans at home loan
Interest rates * |
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Residential Construction Loans up to 90% valuation.
|
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Home loans for
first home buyers including First Home Owners Grant etc |
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Plant and
equipment Finance |
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Bridging and relocation loans |
|
Mortgage
reduction strategies |
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Dept
consolidation |
|
Franchise Finance |
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Rural and vacant land finance |
|
Personal Loans |
|
Leasing
|
Professional
Services
|
Accountancy services |
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Financial
Planning Services |
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Risk insurance / management |
|
Investment services |
|
Investment
property & sourcing and purchase facilitation |
|
Legal & Conveyancing services |
There are certain circumstances of an individual’s financial
situation that can make it harder for them to obtain a traditional
mortgage from a traditional lender.
With every clients situation being different , there are lenders
with mortgage loan products to suit individual
financial circumstances.
A
non-conforming loan
is a mortgage loan provided by lenders to individuals who do not fit the
lending criteria of traditional mortgage lenders such as individuals who
fit into the following categories:
|
Self
employed |
|
No Tax
returns |
|
Short-term employed or not employed long enough |
|
Irregular income |
|
Limited savings history |
|
Adverse credit history |
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Existing loan arrears or defaults |
|
Government Allowance (including New Start) |
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Previously bankrupt |
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Pensioner or have recently arrived in Australia |
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Rejected by another lender
|
Due to the fact that every situation is unique it’s
important you let AFS help assess your situation on and individual basis and in turn provide you
with the available options.
Another reason why an individual may not fit the
lending criteria of traditional mortgage lenders is they do not have
sufficient documentation to support the lending criteria of traditional
mortgage lenders.
Low or no income Documentation loans are designed for individuals with irregular
patterns of income.
A Low Doc may be suited for someone who fits into one or
more of the following categories:
|
Small
business owners |
|
Self-employed |
|
Seasonal workers |
|
Self
employed |
|
No Tax
returns |
|
Short-term employed or not employed long enough |
|
Contractors
|
Since the establishment of AFS , Afs has helped many individuals and families
achieve their financial goals and
objectives
and either improve or regain control of their financial position with a
brighter future.
|
![[Under Construction]](images/undercon.gif){kind=small}
