Loan Fusion Australia in Port Melbourne, Victoria | Consultation agency

Loan Fusion Australia

Locality: Port Melbourne, Victoria

Phone: +61 3 9088 4252

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• Consultation agency
• Financial service
• Loan service
• Financial planner

25.01.2022 We want to take this opportunity to thank you all as our overall success has very much to do with the business, support and trust you give us. So we are very grateful for the opportunities to assist and provide solutions to you that have contributed to your successes in 2016. Youve all worked very hard and achieved so much this year, it has been a pleasure to share the journey with you. Enjoy your break (if you decide to have one) because you truly deserve it. It is one of ...the best times to enjoy quality moments with your loved ones, reflect on the year that has been and plan for the new year ahead. Well be having a short break and will be back in the office from the 3rd of January 2017 ready to assist you achieve more in the new year. We look forward to speaking and working with you then. Wishing you a happy and safe holiday.

24.01.2022 ARE YOU GETTING THE RIGHT LOAN FOR YOU? HOW DO YOU KNOW? It's often we meet clients who have been set up with the wrong loan to begin with. Below are some questions you or your professional should be asking one another in order to make sure you're getting the best loan suited for you. * What are your future plans?... * Do you plan to buy another property in the next 12+ months? * Do you qualify for the FHOG? * How much savings/capital do you have available? * Who are you accredited with? * How is your income/s derived? * What fees are involved? * Should I fix the loan? * What are your current monthly commitments? * Do you have any credit impairments? * What is my/our borrowing capacity? * Do I need to pay LMI (lenders mortgage insurance)? * How much is stamp duty payable? * Are your income/employment status going to change in the near future? * Are you planning on having a new addition to the family? * Will there be any new monthly commitments post settlement? By your broker/banker knowing the answers to the above and other questions will allow them to best provide you the most suitable loan. Going for the loan that has low interest rates advertised may end up being the most expensive in the long term if you are structured incorrectly. Make sure you get the right advice from the start. This could save you thousands of $$$$ in the future. However going to your bank or a broker who is not accredited with multiple lenders will limit your options. Be sure our experts at Loan Fusion Australia are accredited to 20+ lenders and know what to ask you to best structure your loan correctly for the future. Contact us today to make sure you are provided with the most suitable options.

23.01.2022 DEBT CONSOLIDATION. Are your monthly commitments getting too high and too much? Consider consolidating those debts into your home loan or one Personal loan. ... We have been able to assist clients in some cases reduce their monthly repayments by thousands of dollars. Imagine if you could reduce your monthly repayments by $500, $1000, $2000 or even more. How much stress would that take off your shoulders? $1000 per month is $12,000 per year. Think about the things you could do with those extra funds every year if you had it available. Enjoy the savings like our clients are. Lets discuss your options today.

23.01.2022 From today, NAB will decrease its one-year Package Fixed Rate for Home Loans to a rate of 3.89% per annum for owner occupiers and its one-year year Package Fixed Rate for Residential Investment Home Loans to 3.99% per annum. For borrowings up to 80% LVR. Good option to refinance for those who aren't planning to do anything with their property for at least the next 12mths as investment loans across the board have increased. This is the only reason we would suggest fixing your rates at any time. Contact us if you want to discuss your options.

22.01.2022 HAPPY AUSTRALIA DAY May you enjoy this day with your family and friends in the best country in the world. Be safe.

20.01.2022 ONE OF THE BIG 4 SAID NO? You realise 'no' doesn't necessarily mean no? It just means your bank isn't able to assist you, however there may be other options for you. We are solutions focused and we have helped many clients get loans approved when their own bank could not help. Talk to us today.

20.01.2022 KIND WORDS FROM AN INTERSTATE CLIENT. Bianca was referred to us by one of our referral partners. She was already working with a broker in her home state who was not able to assist her because her employment status had changed and valuations were coming in a bit short for what was required. After learning about her situation, we were able to put together a favourable application to a lender we have a good relationship with and get her a favourable outcome. Here's what she had... to say. -------------------------------------------------------------------------------------- "A big thank you to Daniel Huy from Loan Fusion Australia for getting the refinance of my residential investments through, especially at a time when Banks were clamping down on investment lending! Daniel was thorough with the presentation of my financial documents to my Lender in order to present my case well. He always acknowledged and replied to my emails and phone calls and was persistent in his approach to my Lender (even when I felt giving up). Nothing was too much trouble for him. Daniel is a professional. He was recommended to me and I will certainly recommend him to others who may need a mortgage broker. Thanks again Daniel...will use your services again" Warm regards Bianca -------------------------------------------------------------------------------------- We do our best to get our clients a desired outcome. If you're having trouble getting finance or you're wanting a second opinion please do not hesitate to contact us. Lets have a chat. p: 03 90884252 e: [email protected]

20.01.2022 There are no secrets as to why finance brokers are almost writing 70% of loans in the market today. WHY? Finance brokers work on building the long term relationships and simply can provide clients with more options and better solutions than their own bank. They will even in some cases negotiate better terms with your own bank for you if you prefer your own bank.... Going direct to your own bank for a loan is an old way of thinking. Don't get the wrong loan, explore your options. BEEN REJECTED? No does not necessarily mean no, it just means not with that bank. Next! Chat to a finance broker today.

20.01.2022 DOES YOUR HOME LOAN NEED A HEALTH CHECK? If you do not service your home loan regularly in the same way you service your car you could be missing out on thousands of dollars of savings. Spending just 20 minutes at least once a year to research (or speak to your finance broker) what other offers exist, could save you thousands of dollars to enjoy later in life, or at the very least, offer you peace of mind that your existing home loan is working well for you.... Its surprising many people dont even know the basics of what is undoubtedly the largest financial transaction of their life. Small changes to interest rates and fees could make a huge difference. Refinancing your more expensive home loan is often a very simple process and the thousands of dollars of potential savings are well worth the effort. If you havent switched to a securely funded lower rate home loan then simply ask yourself - why not? CHECK YOUR HOME LOAN CHECK LIST. Am I paying an unreasonably high interest rate? Am I paying outrageous fees? Am I frustrated by inadequate service? Does my loan give me the features I need? Am I paying for features I don't use? Have my financial circumstances changed? WHAT TO DO NEXT? Contact us today and we'll do a complimentary home loan health check for you.

19.01.2022 IS IT TIME FOR AN UPGRADE? Be accredited to many lenders, we're able to find you the most competitive car loan available for you. Contact us today.

19.01.2022 INTEREST RATES INCREASE Over the past weeks, many lenders have increased their rates on investment lending for new and existing customers. In particular interest only loans. How does this effect you?... Now is a great time to contact your finance expert to reassess your current loans to see if there are better options for you.

16.01.2022 WHEN YOUR OWN BANK CANNOT ASSIST YOU. This does not mean no one can assist you. There are a variety of options that could suit you. WHAT PRODUCTS MAY BE OFFERED TO YOU OUTSIDE YOUR BANK?... - 85% LVR without LMI. - Lo Doc up to 90%. - Non Genuine savings. - Business loans at Resi rates secured by residential security. - 70% LVR for self employed applicants servicing based on 12 months management accounts and BAS. - 1 day PAYG employment on probation. - 3 month ABN. - Credit impairment. - Max cashout - Debt consolidation and pay tax debt - Many more, just ask. Contact us today to re-assess your options. P: 03 90884252 E: [email protected]

15.01.2022 SELF EMPLOYED AND BUSINESS OWNERS. Your bank said no? Don't have the supporting docs required to get a loan approved? We have assisted many self employed and business owners get loans approved which has provided them solutions to move forward. Don't get stuck and speak with us today so you're aware of all your options. ... e: [email protected] p: 03 9088 4252

15.01.2022 TESTIMONIAL We were able to assist Danny borrow more than his own bank for his first investment property, by knowing which options suited his financial situation and by presenting his application correctly for the best outcome. "Daniel has been very professional and resourceful throughout the whole process, making it a smooth and stress-free settlement. I highly recommend his service".... Danny Yuan

15.01.2022 THE BIG FOUR BANKS HAVE CLOSED 173 BRANCHES OVER THE LAST 12 MONTHS. Customers are voting with their feet and choosing to go to mortgage brokers for their mortgage needs instead of their own bank. They are provided with better options and are being serviced efficiently. Contact us today.

14.01.2022 A few of the big four banks announced last week that its variable mortgage rates for property investors will rise in response to changing market conditions. Expect other banks and lenders to follow suit. What this means for investors and potential investors. Repayments will go up and their borrowing capacity will reduce. Those who remain loyal to the big four banks will be affected the most. Maybe its time for change? Now is a great time to get together with a finance broke...r and review your current finance facilities and discuss your other options heading into the new year. They will be able to give you the best options on the market and options you probably are not aware of. Contact us today.

13.01.2022 TESTIMONIAL Another satisfied client. Again another client who traditionally went to the banks directly decided to use a finance broker for the first time. She was very happy with the experience which gave her confidence going into bid at auction for her dream home. Of course she ended up winning! Congrats! Her children are all grown up and out of the nest. She can now enjoy the next chapter of life in her cosy dream home :)

13.01.2022 ACCESSING EQUITY... One of our popular enquiries is assessing available equity in an existing property For example you may have bought a property for $500,000 2-5 years ago and have been fortunate enough to achieve some capital growth due to the market rising. The property may now be worth $650,000+ and you may have some available equity you want to access for investment or personal purposes. ... Important that you understand in order to access the equity the borrowers taxable income (via supporting documentation eg tax returns and notice of assessments etc) must also be able to service the new debt they may take on. A lender is not going to hand you available equity on the basis alone you have had capital growth. Serviceability is required as it's still part of responsible lending and lenders lending policies. Also understanding depending on the purpose and the amount of funds you'd like to borrow you may be required provide supporting evidence to provide this. Each lender's policies differ, so its recommended you speak to your finance broker who is accredited to many lenders to provide you options and also to educate you on the requirements and whether you quality to access your equity. It's important clients are educated to understand borrowing requirements to better manage their expectations. We have access to lenders who allow you to max cash out for various purposes using full and lo doc options. Your bank may have said no, but does not mean all banks will. Please contact us if you have a scenario you would like to discuss.

13.01.2022 We hope it's been a successful year for you all. Wishing you all a safe, prosperous and a happy new year.

12.01.2022 TO GET THE BEST OPTIONS. 1. Speak to a finance broker who specialises with self employed/business owners. This way you'll be presented with all the options available. Full doc and lo doc options. 2. Keep your taxes up to date so you can always show your most recent income history. And make sure the tax assessments are paid. Self-employed applicants usually have their tax portals checked for taxes outstanding. Have 2 years of financials available. There are options for thos...e who only have 1 years financials or less, however it is more expensive. 3. Be honest, and declare all finance facilities with your finance broker. They are required to verify what you say and perform checks on the documents provided. If you dont tell the truth, you could end up with a loan that you cant afford or nothing at all. 4. Understand how your business structure affects your personal income and what happens to your borrowing power if your taxable income is too low. 5. Making the most of your cash flow using a financial plan can be beneficial for people who are self-employed. Paying off any outstanding debts such as credit cards or personal loans will positively impact your cash flow, which may also mean you qualify for a higher loan amount with some lenders. Consolidating existing debts to reduce monthly repayments will also assist with surplus cash flow to increase borrowing capacity if required. Loan Fusion Australia specialises in working with the self employed and business owner applicants.

12.01.2022 NEW BANK MANAGER? How often have you had to re-tell your story to the new manager that has taken over your previous bankers job because they moved on? This is very common and I'm sure it frustrates you because the new manager knows nothing about you and can't look after you like the previous one did. This is why many choose to use a finance broker to manage their financial affairs. SOLUTION?... Use a finance broker. A great finance broker will have key relationships with desired bankers/lenders and networks to ensure your inquiry is assessed in a timely manner to deliver outcomes. It's very disappointing when a banker sits on your inquiry for months only to tell you they're unable to assist. Save time and go straight to your finance broker. They will let you know sooner whether they can assist you or not. Why limit your options to one bank and one policy? It's not a one size fits all world in the world of lending, you must know your options otherwise you may miss out on opportunities to enter the market.

12.01.2022 POLICIES CHANGES... How does your current loan fair with the current changes to interest only, investment lending? When was the last time you had a check up? Call us today and find out what your options are.

11.01.2022 ATTENTION: Commonwealth Bank has told mortgage brokers that from Monday, 13 February, it will not be accepting new investor refinance applications for home loans "until further notice". The bank said that standalone investor refinance applications submitted prior to 13 February will be processed, subject to the bank's normal lending criteria.... However, CBA added that applications which include both investor and owner-occupier loans would not be impacted. CBA is the second bank in as many days to announce that it is pulling back on investor refinancing, following a similar announcement by Bankwest earlier this week. Could this be trend for other majors to follow in weeks to come? To avoid your investment loan being declined speak to a finance broker.

10.01.2022 TESTIMONIAL Married couple Wayne and Dale from QLD (Yes we work with clients nationally), was introduced to us about 12months ago by a business owner. They were cross securitized and their multiple home loans were coming out of interest only terms. Because their bank would not assist them and extend their interest only terms, they were about to experience financial stress. This was due to Wayne just starting a new job. Due to us being able to provide suitable solutions by refinancing and restructuring correctly we were able to relieve their financial stress and get them back on track. It's stories like these that remind us why we do what we do and why our service is vital.

09.01.2022 WANT A NEW CAR? Owning your new car could be more affordable than you think. Don't get declined by the banks, call us today!

09.01.2022 Car and motor vehicle finance With us, you can get more than just a home loan. You can also access some great loans for private cars, commercial vehicles, as well as plant and equipment purchases for your business. Whats more, we have access to a wide variety of lenders, to make sure you get the right finance for your needs. And with your financing in place, you'll have more choices and the opportunity to negotiate a better deal on whatever car or equipment you want to buy.... That's where we come in. We are here to see you a competitive rate on all your finance needs and that includes loans for cars, trucks and even plant and equipment for your business. Just like our home loan offer, we can shop around with lenders to find exactly the right loan for you considering your personal circumstances. Find out more about how we can make it work for you. Call or email us today.

09.01.2022 LENDERS MORTGAGE INSURANCE (LMI) Helps thousands of people each year to purchase their dream of home, offering help to borrowers that don't have a large deposit. Here's an example of how using LMI can help increase your purchasing budget. ... Purchase price of $400,000 Deposit: $40,000 90% LVR: $360,000 LMI: $7700 (approx) Total loan: $367,700 Stamp duty: $20,300 (approx). Legals: $1000 ( approx) If you prefer to avoid lenders mortgage insurance and borrow a max of 80% LVR Purchase price $250,000 Deposit: $50,000 80% LVR: $200,000 Total loan: $200,000 Stamp duty: $10,900 (approx). *Potential stamp duty savings and further tax dedications with off the plan/brand new property. Legals: $1000 ( approx) *Above example based on $70,000 in savings. And given that applicant/s can service the loan amounts in the examples. Notice how using LMI allowed you to increase you purchasing budget by $150,000. This could be beneficial for you. Contact us to discuss your options.

08.01.2022 We're now well into the new financial year. Is it time to plan and review your current and future lending? It could be time to get in touch with a finance specialist and have a chat. We work with clients nationally and specialise in various financial products. From personal through to business and commercial lending.

08.01.2022 LO DOC OPTION Below is a great option for clients who have a registered ABN and may not be able to get funding through a major bank. LO DOC OPTION for Residential property... From 4.99% 30 year terms P&I 1-5 year interest only Purpose: Purchase, refinance, business, tax debt, cash out etc. 1.25-1.75% app fee applies. *Current special only 1.0% app fee applies. Other fees include: Valuation fee, Lender legal and other outgoing fees. INCOME VERIFICATION Borrower self declaration & Accountants declaration LOAN SIZE & LVR $1M @ 80% LVR 2.5M @ 75% LVR $3M @ 65% LVR MAY SUIT CLIENTS: Who do not have recent financials prepared Who run cash businesses Who cant get traditional funding Who want max cash out Who do not want to provide full financial position With multiple businesses With credit impairments, etc Loans for Commercial, SMSF, Construction, Rural etc available too. Any questions, scenarios just ask. P: 03 9088 4252 E: [email protected]

06.01.2022 WELCOME to 2018.... 2017 went just like that some of you are thinking as most of you are now back at work from your break and ready to take on the new year. We successfully helped many clients with their finance requirements in 2017 and we look forward to our on going relationship with them and assisting new clients in 2018. ... As you assess your goals and plans for 2018, we at Loan Fusion Australia would like to remind you where we can assist with your finances: *First home buyers *Residential and Commercial loans *Investment loans *Cash out of equity *Lo Doc loans *Refinance *Debt Consolidation *Business loans *Car and asset loans *Personal loans *Private lending * + Much more The reason clients like us, is we're able to offer more options than your own bank, so "No, does not necessarily mean no". We focus on building long term relationships with our clients. Contact us today: E: [email protected] P: 03 90884252

05.01.2022 With the holiday period approaching fast, please expect delays from all lenders across the board in regards to application assessments and settlements. Many of their staff start to take leave, therefore lenders are understaffed which affect work flow and response time. If you have any urgent enquiries, best you speak to your broker today and provide them with the information required ASAP. ... Please be patient. Thank you.

04.01.2022 WELCOME BACK TO 2017 We hoped you enjoyed the break. Are you planning to do any of the following?... Refinance? Buying property? Access to equity? Development/construction? Save money? New business venture? New car? Consolidate debts? Etc. We successfully helped many in 2016 achieve desirable outcomes not only because we have the ability and networks to do so, but because we focus on the relationships instead of transactions. Clients trust us more than their own bank. Let's catch up to chat about your plans and see how we can work together to help you and your families achieve your goals this year and beyond. Contact us today and find out why more people are coming direct to us instead of their own bank.

04.01.2022 WHERE THE VALUE OF YOUR PROPERTY MATTERS MORE THAN RATES... As much as you prefer best rates when refinancing your home loan, when trying to access the most equity to use for future investment purposes, rates may need to take a back seat. Example:... Current home loan with current bank: $380,000. To refinance up to 80% with max cash out. Bank 1: Property valuation: $630,000 offers 3.95%pa Equity available for cash out: $124,000 Bank 2: Property valuation: $680,000 offers 4.25%pa Equity available for cash out: $164,000 As you can figure out refinancing with bank 2 will give you more cash out for you to invest in future investments. The disadvantage of using your own bank is that you may be limited to their valuation. Benefits of using a finance broker is you can get upfront valuations at no cost in most cases to determine where you can access the most equity if required.

03.01.2022 We provide services to the everyday borrower, SME's, Developers, all the way up to the corporations. No client too small or too big. We treat them all the same. We are solution's focused. TESTIMONIAL - from one of our SME clients. Hi Daniel,... Just a note to say thanks for your assistance with the refinance of our business loans. Great work as it was not complicated and you eased the process through. Regards, Phillip Braithwaite Managing Director Appliance Services Australia

03.01.2022 We're always so grateful when we get lovely messages from our clients. Here's a message received from one of our interstate clients who was referred to us about 7 months ago. When their own bank of many years prior would not help. They started to come under some financial stress. When they contacted us, we were able to work out several solutions for his multiple mortgages and put together and executed a plan over the course of 4 months to manage their debt and cashflow. Do you think they'll be going back to a bank when they want another loan? "Thanks Daniel - you have worked so long and hard on everything for me and I am so grateful - this time last year I was in a really bad position and our whole life has changed thanks to all of your hard work and sticking with me through all the dramas we faced along the way". - W Jobling.

03.01.2022 FINANCE BROKER OR BANK? A large percentage of people head straight to their own (or nearest) bank when deciding to apply for a home loan or business loan. Most finance experts warn, if this is your strategy, you may be missing out on some significant benefits. There are countless reasons why it pays to use a finance broker when shopping for your loan, and even if you want to use your own bank for your loan, you can still use a broker to help process paperwork and manage the a...Continue reading

02.01.2022 The RBA put rates on hold earlier this week. With rates remaining at an all time low, it's a great time to review your current loans. With the holiday season coming up, it will be beneficial to your pockets to save some money or access equity at an affordable rate! Picking the best home loan provider can be a gamble. To understand them ask your finance broker to assist. ... Understand the rates, fees and charges associated with your loan and be dont just pick a lender because you like the brand, be prepared to go with a lender that provides what you need. At the end of the day choose a lender using your head not your heart! Need help picking a new lender? Contact us today.

02.01.2022 MAYBE ITS TIME FOR A REVIEW? * If you have not had your loans looked at in the past 12+ months you could be paying too much. * Thinking of purchasing your next property, need to get market ready and know your capacity. * Got a preapproval with your bank but want to know your other options are, to ensure you have the best possible product.... * Need to access equity in your current properties for future investments * Consolidate debts, to reduce monthly repayments. * Pay off tax debts * Started a new job/career that could affect borrowing capacity * Starting a business, and require funds. * Need additional vehicle or updgrade. * Had a baby, and want to know how this can affect future borrowing. We have already been able to assist many clients save $$$, increase their monthly cashflow and access extra funds in 2017. Let us add value to your lives too. Lets have a chat.