Samuel Finance has extensive experience in dealing with Corporate and
Commercial lending. We are able to use our experience and capability to your
benefit, achieving outstanding outcomes for your finance arrangements.
Samuel Finance has access to hundreds of different loan products and can help you decide which loan structure is best for you. Home and investment loans will fit into one of the below categories:
Variable Rate Loan – A flexible loan with a fluctuating interest rate.
Fixed Rate Loan – A less flexible loan, but one that provides certainty of repayments for the fixed rate period.
Construction Loan – For construction of one or more residences.
Guarantor Loan – Most commonly used by family members to assist other family members with only a small deposit, purchase a home.
Split Loan – Combination of loan products (ie split of fixed and variable)
Interest Only Loan – Only interest payments are made relieving pressure on cash flow. Interest only structures can be good for investment loans to maximising tax efficiency.
Line of Credit – Provide a flexible interest only limit that can be drawn up and down as required.
Reverse Mortgage – Release equity from homes for older people.
Low Doc Loan – Requiring less documentation, these loans can be good for self-employed people who don’t have their financial accounts finalised yet.
Non-Conforming Loans – Provide a solution to those borrowers who may have had difficulty securing finance for reasons such as repayment arrears, credit report defaults, outstanding ATO debts, start-up businesses or are discharged bankrupts.