Refinances

The finance market has changed dramatically over the recent months and chances are your needs have changed slightly since you first set up your loans. We can review your position and if required, reorganise your loan to take advantage of new loan offerings that may be more advantageous to you or modify your existing loans to suit your current circumstances.

Investment properties

The changing rules, regulations, and restrictions in investment finance make it a challenging environment for you. All the things to consider when borrowing to invest, it is the structure that is the most important. With the wrong investment loan or structure, it is possible to end up losing a lot of money by paying too much in interest and not getting all the benefits that may be available to you. We can guide you through the entire process to make sure your loan is tailored to your individual requirements.

Construction & renovation

If you are planning to build or renovate a property, a construction loan enables you to pay your builder in instalments as the building progresses.

While most lenders offer construction loans, it is extremely important that your loan is with the right lender for the type of property that you are building. There is a lot more to factor in when setting up a construction loan besides just choosing a lender with a cheap rate. The lender is effectively your building partner and you need to make sure that the progress draws are released by the lender on time and in full when required.

As your home loan partner, we look after the entire application process, from pre-approval paperwork and property valuation to progress payments, we will guide you through the homebuilding and renovation process to bring your property blueprint to life.

Bad credit loans

Have you missed a payment on a bill, credit card, your mortgage or any other type of debt in the past? Chances are it is on your credit file, a record of your credit history maintained by credit reporting agencies like Equifax (formerly Veda Advantage). Major banks and lenders will likely decline your application but there are some lenders that are more flexible with their lending policies. They will assess your home loan application on a case by case basis and listen to your story as to what went wrong and why getting a home loan will put you in a better financial position. Contact us to tell your story and we will work as your home loan partner for better solution.

Low-Document Loans

Low-document home loans are for those who are self-employed and are unable to prove their income through traditional means. This is the only way that you can borrow without recent tax returns or financial statements. Low doc loans are a higher risk to financial institutions, so they tend to place greater restrictions on this type of loan such as high interest rate, large deposit or higher LVR. It is extremely important that a low document loan application is structured correctly to ensure it has the highest chance of being approved. To maximise the likelihood of success with your low document loan application, contact your home loan partner at Yolk Finance today.

Pre approval

Obtaining finance pre-approval is the most important thing to do before you go shopping for your new property. Just like you don't go to the super market without checking you have your wallet, it can be a waste of time to go looking at properties if you do not know whether you can get the finance.

Other Finance

• Car Loan
• Equipment Finance
• Personal Loan
• Business & Commercial Loan
• General Insurance (Referral)
• Financial Planning (Referral)