|
The answer doesn't have to be
'NO'!
At Goldram we are often able
to help people who don't meet the requirements of traditional
lenders (banks and non-banks). We look at each application on
its own merits.
Here are some examples of
people we are able to help:
-
You have a successful
business but can't show enough profit in the current year to
qualify for a mortgage
-
You have adverse entries on
your credit history.
-
You have a credit card or
other expensive debt you would like to consolidate.
-
You don't have an adequate
savings history or your deposit comes from an unusual source
(eg. a gift)
-
You have irregular employment
patterns, such as contract, seasonal or part time work.
-
You have recently arrived in
Australia
-
You are recently self
employed and lack 2 or 3 years of profitable trading history
required by traditional lenders.
-
You are 55 years or older and
want to purchase a new property or re-finance an existing
mortgage.
We can obtain a competitive
rate based on your individual circumstances. While you will be
paying more than the usual traditional standard variable rate
there is no lenders mortgage insurance to pay or ongoing
monthly fees (other than an unused limit fee for on Lines of
credit).
What type of Mortgage can you
get?
-
Mortgages on residential
property (owner occupied or investment).
-
Mortgages up to 95% of the
property value and up to 30 year term.
-
Loan amounts from $50,000.00
to $2 million per loan and up to $5 million per borrower.
-
Equity release
-
Line of Credit
-
Fixed rate loans or variable
rate loans
What features are available?
-
Redraw - amounts pre-paid can
be re-drawn
-
Split Loan - You are able to
split your loan over a maximum of 4 accounts.
-
Internet and Phone Access-
You can transfer available funds via telephone or internet.
So if you want a mortgage but
feel you don't qualify, don't take NO for an answer.
Talk to
Goldram today!
|
