As the Sutherland Shire’s premier mortgage consultants, we offer an extensive range of finance solutions for business owners and the self-employed.
Traditionally, you would look to go to the bank to secure a business loan, but these days you are opening yourself up to facing large fees and potentially high-interest rates that in today’s climate is far from ideal.
We’ll help you find the right self employed and business loans, then we’ll handle the finance application process for you, saving you time, stress, and money.
Why don’t you want to go to a bank directly?
You would think that it’s more cost-effective going directly to the bank but from our experience, for many businesses that’s not the case.
For a start, banks and their employees want you to apply for their loans, they don’t offer choice that most self employed and SMEs will require, but it’s more than that:
Banks often don’t openly advertise their business loan rates, they are coy on exactly how much they’re willing to lend up until the time you make the application, and most importantly, they are not going to tell you where you can get a better deal.
- If you are in a financially difficult situation, they’ll use this situation to get as much out of you as they can.
- If they sense you don’t know what competitors are offering, they’ll charge as much as they can.
- If you are an existing customer, they won’t work hard for your business, they’ll assume you’ll want to stay with them.
Yes, you could do all the leg work yourself. You can trawl the banks picking up quotes and trying to find the best deal for you. But with a mortgage broker not only will you save all that time, time that you could probably spend more effectively managing your business, but you’ll generally get a better deal.
The right broker, someone with experience representing businesses, will be able to negotiate strongly on your behalf. They work with banks every day, they have relationships with the people who make decisions and they understand how these people operate, what motivates them, and what they’re looking for.
Having the right mortgage broker is going to get you a better deal. Speak to one of our consultants about business loans give us a call on 02 9527 2230.
Other benefits of using our services
Our Company Values
It’s not just about comparing interest rates, It takes time and energy to handle the application process for a loan. Time and energy many business owners could put to better use.
Why not have a specialist manage the process for you? Someone who completes these applications every day.
We can handle the application process for you. We also have the expertise to provide the data that gives you the optimum chance of being approved for the right product. We are regulated and must keep your business information safe.
Properly assessing your needs
As a business owner, you often don’t know the various options available, their benefits and drawbacks. You just don’t have the time to educate yourself and keep up to date with all the changes happening right now.
So when you need a loan, you don’t always know the best solution for your needs.
That’s how we help our clients. We know what questions to ask to extract all the information from you to match your needs with the right financial solution.
Understanding the options available.
Using a broker means you’re getting advice from an expert in various types of financial products aimed at self employed borrowers and business owners.
- Equipment finance
- Trade finance
- Invoice discounting
- Business Line of Credit
- Overdraft facility
Understanding what the banks are looking for
In many cases, there is more to the process than just correctly filling out the application forms.
To get approved, often the skill is being able to understand what the bank is looking for with each type of loan, and then tailoring your application to highlight your positives and mitigating the negatives, providing the relevant supporting documentation.
Get more from your money
Banks don’t like to advertise their interest rates or lending limits. That not only makes it very difficult to get the best deal but to even have an idea of what the best deal might be.
As mortgage brokers, we work with financial institutes every day. We know what is available. We have a strong understanding of the loan marketplace and have relationships with the lenders that allow us to negotiate better prices.
More than getting approved!
Often, with home loans, it’s about getting the lenders to agree to the loan. But with business loans, it’s a little more complex. Your finance needs to evolve over time, as your business grows, and as the economy fluctuates. Then there are natural seasonal changes.
We have the experience of working with lenders and clients long term to ensure the finance matches your ever-changing needs.
Our Satisfaction Guarantee
We tailor our service to meet the needs of our clients. We find and negotiate the right loans or finance and help you through the application process. We have been successful because we put the client first and it’s our promise to put you first. Together we’ll help you get the best deal possible.
All around the Sutherland Shire and surrounds, our team will help you make the most informed decision possible when borrowing money. Whether that’s to borrow money for your home, your business, your investment property, your commercial property or even to refinance.
Extensive Range Of Lenders and Experienced Brokers
We currently have an extensive range of over 30 lenders available. This is not limited to only major banks and financial institutions, but also 2nd and specialist players, and more bespoke funders, or sometimes private equity funders who are interested in varied and non-traditional opportunities.
It is our broad range of finance providers that allows us to help find our clients the best possible solution for their situation. We are able to treat each case as unique and don’t have to convince clients to put square pegs in round holes. We are able to find the best deal for you and your business. Get in touch today to see what we can do for you and your business.