RBT Capital-Home/commercial loans | Financial consultant

RBT Capital-Home/commercial loans

Phone: +61 426 634 394

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25.01.2022 https://rbtcapital.com.au/ ______ #RBTCapitalpty #Businessloan #24hrsFundingbusinessloan... #personalLoan #Homeloan #carloan *Competitive rate from 7.65% p.a. Conditions apply. See more

24.01.2022 When you need an alternative solutions for your home loan! Contact us at: 0426 634 394 [email protected] https://rbtcapital.com.au/

23.01.2022 / ? ! Under Business/ company name only Up to $100k finance ... $0 deposit for property owner (20% deposit if not) 12 > months ABN 12 > months GST active * ' - ! ' ! * ____ CALL US or email us: 0426 634 394 [email protected] https://rbtcapital.com.au/

19.01.2022 Many first home buyers are finding it difficult to save the deposit they need for houses An option that may suit some first home buyers is a . These loans allow you to utilise a family members home as security for your home loan meaning that !!!... It is important for all parties to fully understand the advantages and potential disadvantages to these type of loans. ? It is a loan that allows the shortfall in your deposit to be secured by a family members property. It allows family members to assist you without actually giving you cash or putting cash in. Previously the whole of the family members property was used to secure the loan but now there are other options. That is, the security on the new purchase can be separated so the guarantee is actually limited. To give an example the family members property might be utilised to guarantee just 20% of the new loan and the property being purchased would be used as security for the other 80% of the loan. Either way the bank feels more comfortable as with this type of loan they have protection if first home buyers cant make repayments or default on their loan. it means they can purchase a home, avoid the added cost of mortgage insurance and even be able to borrow more if for example, the property requires renovations. The family member needs to guarantee a minimum of 20% of the purchase price of the new property . With this type of loan first home owners can buy either a home or investment property. The other great news is that even if the loan is a family pledge / guarantee loan that the first home owners are still eligible for a First Home Owners Grant in their State (if applicable). There are however some drawbacks to consider prior to entering into this type of loan The family member who provides the guarantee could be putting their family home at risk if the first home owner defaults on the new loan. It is also extremely important that you all seek independent financial and legal advice before entering into a family pledge / guarantee loan so everyone understands clearly what happens if the loan is defaulted on and exactly what the guarantor will be liable for. Not all lenders offer family guarantee / pledge loans so ensure you consult us - before proceeding further. *T . .

15.01.2022 ! : $0 Loan Term: 18 - 36 months (<$8k) & 84mths (>$8k-$40k) Interest Rate: Fixed rates from 7.95%pa - 16.95%pa* (9.56%pa - 18.53%pa comparison rate**) Loan Amount: $5,000 - $40,000... Funds available: 24hrs following approval Repayment Frequency: Weekly or Fortnightly ______ For more information about our loans and loans please CALL US or email us: 0426 634 394 [email protected] https://rbtcapital.com.au/ _______ See more

13.01.2022 1 July, 2020 5% . If: ... You are Australian Citizen (Not PR) Income <$125k p.a (single) or <$200k (couple) Buying property <$700k (NSW) to live in (not investment) ...... YOU CAN APPLY FOR A HOME LOAN WITHOUT PAYING LMI in conjunction with STAMP DUTY CONCESSION!!!! _______________ Enquire now to make your dream of owning a house come true! 0426 634 394 [email protected] https://rbtcapital.com.au/ _________ More info at: https://www.nhfic.gov.au/what-we-do/fhlds/ See more

13.01.2022 Need the ? We can genuinely settle short term Caveat Loans, Business Bridging Loans, and 2nd Mortgages within 24 hours! , , , ' ....... ________________________ CALL US or email us: 0426 634 394 [email protected] https://rbtcapital.com.au/ See more

11.01.2022 ' ! - Variable rate P&I from 2.97%* - Fixed Interest Only from 2.97%* ___________... ! 0426 634 394 [email protected] https://rbtcapital.com.au/ ______ #RBTCapitalpty #Carloan #PersonalLoan #Businessloans #HomeLoan #24hrsFunding #Financebroker #mortgage *Condition Apply See more

08.01.2022 https://rbtcapital.com.au/ #mortgage #refinance #broker #homeloans

08.01.2022 ? Rate From .% ( .%)* - Historical low interest rates Banks willing to negotiate... Don't wait another day, now is the time to act. _____________________ CALL US or email us: 0426 634 394 [email protected] https://rbtcapital.com.au/

05.01.2022 FIRST HOME BUYER attention If you are having only 5% of deposit for your first home, you must check this out You are Australian Citizen (Not PR)... Income <$125k p.a (single) or <$200k (couple) Buying property <$700k (NSW) to live in (not investment) ...... YOU CAN APPLY FOR A HOME LOAN WITHOUT PAYING LMI in conjunction with STAMP DUTY CONCESSION!!!! _______________ Enquire now to make your dream of owning a house come true! 0426 634 394 [email protected] https://rbtcapital.com.au/ _______________ (Link for further info https://www.nhfic.gov.au/what-we-do/fhlds/eligibility/

05.01.2022 When was the last time you got your home loan health check done? Contact us to get FREE consultation now!

05.01.2022 ! ! If cashflow is tight, a BUSINESS BRIDGING LOAN may be the ONLY option, as other lenders are tightening up as they are unsure you will be able to pay!... $ $ , without needing to show cashflow records. Poor Credit score Loan arrears Tax debts Are also no problem with us & Apply today & you can be cashed up by tomorrow, with NO REPAYMENTS FOR 10 MONTHS. ________ FOR EXAMPLE... if you require funds for 7 months to keep your business running, you won't have to make any repayments or interest payments for the term of the loan. _________ ANOTHER EXAMPLE.... if you took out a loan for a 7 month term, and you find business has picked up or you can refinance an asset before that time, you can pay the loan out early and NOT be charged for the unused months of interest. We simply rebate the unused months off the payout figure. If you have any scenarios, simply contact us straight away. Our product is emerging as one of the remaining ways for businesses to be able to quickly access from $20,000 to $2,000,000. (https://rbtcapital.com.au//crisis-loans-for-business-n14.h)

04.01.2022 In the current environment, there has never been a and save money on your mortgage. By budgeting well and making the most of low interest rates, homeowners can quickly get on top of their finances and pay down their mortgages faster.... : With interest rates at record low levels, lenders are offering very low introductory rates. If you refinance to a new loan, you could save yourself a significant amount of money each month that you could use to pay down your mortgage faster. Consolidating debts through refinancing, allows you to save money by avoiding the higher interest rates that come with things like credit cards or personal loans. Get a new loan product with an offset account. An offset account will save you interest and can speed up the process of paying down your mortgage. ___________________ Whatever the reason, you always can call us to have a consultation and decide whether refinancing is right for you! ------------------ 0426 634 394 [email protected] https://rbtcapital.com.au/

04.01.2022 -/ ??? -/ : ??? All the major banks have a standard set of rules they use to decide if a loan application is acceptable, or not. A non-conforming home loan is simply a term used for home loans designed for people that dont fit those rules.... Loans like these can also be called specialist or alternative loans (alt doc/LowDoc). Non-conforming may not be a common term, but you might be surprised how many Australians have been declined for a home loan because they fall into this category, and why. For example, people who are: Self-employed Have recently started a business or a new job Dont have a perfect credit history Been previously bankrupt Have an ATO debt to pay-out Have a solid income, but not much of a deposit Have a deposit but its an inheritance or a gift Work means they regularly change jobs, it looks like instability but its just the nature of the industry Need to consolidate debts such as personal loans, credit cards or business debt A new Australian resident, and therefore the previous credit history cant be established. Thats a lot of Aussies. The good news is that in todays world there are lots of options. Well-established non-bank lenders have designed home loan products specifically to help all these people. They take a much more flexible and holistic approach to traditional lenders and can provide a range of good alternatives. !!!! _______________________________ [email protected] 0426 634 394 https://rbtcapital.com.au/

04.01.2022 The RBA has just announced a further rate cut of .25% bringing the cash rate down to 0.50%. ANZ, Westpac, CBA have passed on the full rate cut together with some other majors and non-bank lenders. Now is the time to review your home loan interest rate.... To find out how much you can save, ____ CALL US or email us: 0426 634 394 [email protected] https://rbtcapital.com.au/

03.01.2022 _ _ In recent years, Self-Managed Super Funds (SMSF) have grown considerably in popularity, particularly for purchasing both residential and commercial property. SMSF allow people to control their own retirement savings and invest them in the best way they see fit. This is different from traditional superannuation, that is invested by funds on their behalf.... While property makes up a small percentage of the overall investments that are made by SMSF, this is something that is growing. However, loans for SMSF are not always easy to obtain and the rules around them are changing all the time, especially from the big banks. An SMSF is able to purchase residential property, however there are a number of rules and restrictions that come into effect. If you buy residential property through an SMSF, the trustee of the fund or anyone related to the trustee, cannot live in the property. Similarly, no one related to the trustee may rent the residential property. The ‘sole purpose test’ is used to make sure the investment is only used as a way to provide retirement funds to the members of the SMSF. For that reason, it is also popular to buy a commercial property through an SMSF, as a business is able to purchase a commercial property through an SMSF and then lease it back. While it is possible to get a loan through an SMSF, they are bound by a number of restrictions that can make it difficult. One of the key elements is that the debt taken on by the SMSF must be non-recourse, meaning that if the lender needs to recover losses, they can do so by selling the assets and there is no personal guarantee. What this means is that SMSF are often highlighted by low LVRs and can be difficult to obtain. The first place to start, if you are looking to invest through an SMSF or to get an SMSF loan is to speak to your mortgage broker, accountant and financial planner. This is a complex area which changes regularly and you should seek advice prior to making any investment decisions. ------------------ 0426 634 394 [email protected] https://rbtcapital.com.au/

03.01.2022 https://rbtcapital.com.au/ #loans #mortgage #broker #finance #homeloan #investmentloan #personalloan #RBTcapital