Services & Capabilities

First Home Buyers

Looking to take a step onto the property ladder? Not sure what kind of loan you need? We’re here to help. As a first home buyer, you can obtain finance from a financial institution either to purchase or secure against the property, with our guidance.

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.  So, 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.

New Purchases

Making the transition from one home to the next doesn’t need to be difficult. With a solid plan in place, we can help ensure upgrading to your new home is a smooth process. 

When it comes to new purchases, the sheer number of government and service fees that can quickly add up, along with short and long-term loan incentives. We can help you understand how and where to save money, and work with you to build a solid strategy to secure your new purchase.

Investment Properties

If you are looking to arrange funding to purchase your first investment property or the next addition to your investment property portfolio, find out how we have helped all types of investors. 

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 individual needs, and we have access to competitive loan options that can help you maximise your investment returns.

Refinancing

As your lifestyle and financial circumstances change over time, the mortgage that helped you purchase your very first home may no longer be the best option.

Refinancing involves taking out a new mortgage loan to replace your existing one. Most people refinance to lower their interest rate and reduce their mortgage payments, often saving thousands in mortgage interest. But you can also refinance into a new loan type or a new loan term — which could help you pay off your house early. Or refinance to cash out home equity. Ensure you’re getting the best mortgage deal by chatting with us today.

Bridging Finance

A bridging loan may be necessary to cover the financial gap when buying one property before your current one is sold. This bridging 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 are 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.

Asset Finance

Need finance for another large purchase besides your home? You can also ask us to access competitive finance options for private cars and recreational vehicles, commercial vehicles, plant and equipment for your business and other kinds of small business loans for a variety of purposes.

These finance options may include personal loans, car loans, a variety of leases, commercial leasing options, chattel mortgages and more. Speak to us about your options and how we can help you secure the finance you need for your purchase.

Commercial Finance

Whether you need auction finance, commercial buy to lease, office funding, or bridging finance we can source a wide range of commercial mortgages to suit your needs.

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, contact us today.

Construction Loans

A construction loan is a specialised loan that helps you meet the unique needs of ongoing payments throughout the construction process.

Whilst a traditional home loan is made available in one lump sum to the borrower, the key difference between a construction loan and a regular home loan is that it allows you to draw down on the loan balance. Giving you access to money progressively as you complete different stages of the build. Whether you’re completing major renovations or re-building and starting afresh, speak to us about securing a construction loan to meet your needs.

And More

Not sure what kind of loan you need for your current financial circumstances? That’s our job.

At Functional Finance we deliver tailored financial solutions chosen from a panel of leading lenders, keeping you informed every step of the way, and giving you peace of mind that your loan is working for you. Contact us today to find out all the ways he can help you achieve your financial goals.

Get in touch discuss how we can help you achieve your financial goals.