Finance

Investments for your business

Commercial

Commercial

Commercial Variable Loan

A Standard Fixed Rate Loan has a guaranteed interest rate and repayments for initial fixed rate periods ranging from 6 months, 1, 2, 3, 4 or 5 years. Loan terms usually up to a maximum of 25 or 30 years. A rate is set which applies for the fixed term. At the end of this term you can either continue with a fixed rate for another set period, or switch to a Standard Variable Rate Loan offered, usually with little or no cost.

A fixed rate loan offers the security of knowing your repayments will stay the same for an agreed period of time. Guaranteed repayments make it easier to budget into the future.
The amount you may borrow will depend on the level of security offered and your ability to repay the loan. A registered first mortgage on residential and/or commercial properties is required.

Repayments may be principal and interest or interest-only #. The interest-only option is available for a maximum of 5 years. Repayments are usually calculated daily and paid monthly in arrears. Your repayments will be automatically deducted from a nominated bank account.

Fees vary from bank to bank & the maximum loan term is 30 years.

After the initial fixed rate period your options will include:
(i) Continue with any other fixed rate term then on offer;
(ii) Allow the interest rate to convert automatically to the standard variable rate.

Principal reductions usually are allowed however early pay out penalties (EPO’s) may apply to Fixed Rate Loans. Usually for a small fee, the loan can be transferred to another acceptable property, saving on loan stamp duty and loan establishment charges. Mortgage documentation and valuation charges may still apply, and transfers are subject to bank approval.
# Investors only.

Commercial Fixed Loan

A Standard Fixed Rate Loan has a guaranteed interest rate and repayments for initial fixed rate periods ranging from 6 months, 1, 2, 3, 4 or 5 years. Loan terms usually up to a maximum of 25 or 30 years. A rate is set which applies for the fixed term. At the end of this term you can either continue with a fixed rate for another set period, or switch to a Standard Variable Rate Loan offered, usually with little or no cost.

A fixed rate loan offers the security of knowing your repayments will stay the same for an agreed period of time. Guaranteed repayments make it easier to budget into the future.
The amount you may borrow will depend on the level of security offered and your ability to repay the loan.

A registered first mortgage on residential and/or commercial properties is required. Repayments may be principal and interest or interest-only #. The interest-only option is available for a maximum of 5 years. Repayments are usually calculated daily and paid monthly in arrears. Your repayments will be automatically deducted from a nominated bank account. Fees vary from bank to bank & the maximum loan term is 30 years.

After the initial fixed rate period your options will include:
(i) Continue with any other fixed rate term then on offer;
(ii) Allow the interest rate to convert automatically to the standard variable rate.

Principal reductions usually are allowed however early pay out penalties (EPO’s) may apply to Fixed Rate Loans. Usually for a small fee, the loan can be transferred to another acceptable property, saving on loan stamp duty and loan establishment charges. Mortgage documentation and valuation charges may still apply, and transfers are subject to bank approval.
# Investors only.

Business Line Of Credit

A loan facility that can be more cost effective than traditional overdrafts saving you money through lower interest and charges. With a revolving line of credit (LOC) you can finance both your business & personal needs, build your wealth through investing in things like property, shares, renovations, your own business or simply maximize the use of your available funds to reduce the balance on your home loan, saving you interest.

The loan works like an overdraft with an approved credit limit. You are charged interest on the daily balance outstanding. Combine this with a fixed rate loan to give you both security and flexability. Line of Credits allow you to take advantage of investment opportunities as they arise with no fuss. They allow you to control your cash flow. You can structure your Line of Credit to achieve efficient management of your finance. (Ask us about our Mortgage Management Program and how it can help you) MMP@end2end.com.au

You are able to divide your “Limit” into smaller portions to make it easier to account for the use of monies ,eg you may have a “Personal Account” which is used to refinance your home loan as well as an “Investment Account” which you use for purchase & sale of a small share portfolio, or a company account to replace that old overdraft. Each account comes with its own monthly statement enabling you to keep track of tax deductible expenses.

The amount you can borrow depends on the value and type of security offered and your ability to repay the loan. The security required is a registered first mortgage on an acceptable residential or commercial property. Email us to make a time to provide you with a free 1 hour consultation to assess if a line of credit structure could benefit you and your business. Email selfemployed@end2end.com.au

Access to your money is via:

  • A Chequebook
  • An ATM card for use at ATMs and EFTPOS
  • By using your credit card
  • Branches where applicable

The minimum payment option is interest-only. Under this option, interest is calculated daily on the outstanding balance and charged monthly in arrears. Fees and government charges, if any, apply. This is outlined on your monthly statement.

ACL 390195

(Australain Credit Licence)

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