Supporting First Home Buyers

Just starting out and not sure what kind of loan you need? No worries! We are here to help. As a first home buyer, you can obtain finance from a financial institution (a loan) either to purchase or secure against the property, with our assistance. Features of a mortgage such as the size of the loan, maturity of the loan, interest rate, method of paying off the loan and other characteristics can vary considerably. It’s always best to speak with a professional mortgage broker to discuss your options. We can also help you determine your eligibility and apply for the First Home Owner’s Grant.

Investment Loans

Investment loans are structured in a specific way to allow you to make the most of your assets and finances. We can work with your financial planner and accountant to ensure your loan is set up to meet your specific needs, and we have access to competitive loan options that can help you maximise your investment returns.

Commercial Loans

Commercial property and business lending policies and interest rates are rarely found on lender’s websites. Unlike residential home loans, the pricing of a commercial loan can be negotiated based on your background in business and the security to be offered. If you need help to refinance or purchase commercial property, just contact us today.

Standard variable & fixed rate loans

The variable rate loan offers more features and flexibility than the basic fixed rate loan, so the rate is usually slightly higher. Fixed rate loans are set at a fixed rate for a specified period – usually one to five years. This gives you the advantage of knowing how much your repayments will be, allowing you to organise your finances without the risk of rising interest rates. However, this advantage is offset by the possibility of not benefiting from a drop in rates.

Honeymoon Loans

A honeymoon loan (or introductory loan) is a loan with lower interest rates or lower repayments for the first six to twelve months. After the ‘honeymoon’ term, the loan becomes a standard variable rate loan and the repayments will change to include the current standard variable interest rate. When taking out a honeymoon loan, it’s important to make sure you can meet the potentially higher repayments for the remainder of the loan. You could also be faced with a fee at the end of the honeymoon period if you want to switch to another type of loan.

Bridging Loans

A bridging loan may be necessary to cover the financial gap when buying one property before your existing one is sold. This finance is secured against the existing property (utilising equity) and the new property being purchased. Usually, bridging loans are short term (normally 6 months) to allow for the sale of the original property and more expensive than other types of loans. There are alternative ways to finance a change from one home to another, so please talk with us to discuss your options.

General Insurance

We also specialise in helping you secure your loan and financial freedom by offering risk and life insurance. Through Cube General and Cube Commercial Insurance along with Cube Financial Planning, we are able to offer our clients a range of different insurance opportunities. This service offers free consultation and even if you are happy with your current insurer for your home, business or any other insurance requirement, call the office for a second opinion on price and cover.

For General Insurance, we can offer the following quote options –

1) For up to an 11% discount on Allianz home & or contents, landlords, motor, trailer / caravan insurance, call 1300 90 90 30 & quote CA40819

For Allianz Small Business Insurance, call 1300 484 586, select Option 1 and then 2 & quote CA40819

2)  For Priority Service with Real Insurance, call 1300 363 552 and quote #7336302

3)   For all other insurances, please call the office on 1800 774 756 or email insurance@cubecentral.com.au

Plant & Equipment

You can also ask us to access you some great finance options for other purposes such as loans for private cars and recreational vehicles, commercial vehicles, as well as plant and equipment for your business. These finance options may include personal loans, car loans, a variety of leases, commercial leasing options, chattel mortgages and more. The major benefit of using a broker to finance other large purchases besides property is obtaining finance that is tailored to fit your personal financial circumstances and goals. With depreciating assets, the right finance can also save you a lot of money on interest and fees.

Call and ask for Richard for all of your car loan, plant and equipment needs!