Professional Special Features

Master Limit

There are special features available in the market which in the past have only been made available to more sophisticated investors but which can provide substantial flexibility for everyday borrowing needs. One of the most beneficial features that we find, and which is largely unknown, is the availability of 'Master Limits' (sometimes known by alternative names) by a few of the major lenders. The characteristics of these usually include:

• A 'maximum borrowing limit', sitting 'on top' of your actual individual loans
• The provision of this overriding limit enables you to change your loan accounts, split them, merge them, create new accounts...within your approved limit without the need to re apply for finance;
• Some of our lenders do not charge you when you wish to make changes to your sub accounts
• This can be highly flexible in respect to tailoring your borrowing needs. Example, you may wish to have a separate loan account to purchase a motor vehicle or buy some shares. Or you may want to reduce your borrowing risk on an investment property purchase by borrowing the maximum you can with one lender against the investment property, and then borrowing the remaining 20% plus transaction costs as a separate loan under your Master Limit.
• Changes to sub accounts are usually hassle free. Simply completing one form. No need to provide your financial statements or income and financial details all over again and wait for loan approval .... Saves time, saves hassle, and saves fees.
• Some lenders charge additional interest on the loan balances under this style of set up. However, we can currently develop options for you enabling this feature with no or very little extra cost.

Our Systems

We run a paperless office and therefore you are free to submit your information to us by scan/email or fax. Our faxes are captured electronically.

We will prepare your application and file of supporting documents electronically. We will then retain your file which save you substantial time should you wish to apply for future financing.

We will seek to understand your circumstances and your preferences and find you a loan that suits your specific needs. Please Please feel free contact us for a 'no obligation free appraisal' .