We can help, Self Employed, Business Owners, Property Developers, Home buyers, Refinancers, Investors and First home buyers.
TLR Finance delivers professional finance and mortgage broking services and support with extensive experience in all things lending, including:

Standard variable & fixed rate home 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.

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.

Construction & Renovation Loans

A construction loan is a user-friendly way to fund the construction of, or major renovations to, a home. Rather than paying for the entire cost of a build prior to construction, the loan is drawn down as each building stage is completed. That means interest is only paid on the amount that has actually been paid to the builder at any time. Another advantage of using a construction loan to build or renovate is, many lenders will allow the use of an as if complete valuation. This means that subject to lenders credit criteria you may be able to access more funds to complete the work than you would normally based on the existing value of the security property.

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.

Property Development Finance

Development finance is a finance for the construction and sale of commercial property or a commercial development of residential property to be put up for sale. Just like developments come in many shapes and sizes, development finance can have almost as many options. TLR Finance has genuine expertise in this sector and can discuss a range of funding options from bank, non-bank and private funders. Contact us today for a confidential chat about your project and funding options.

Car & Equipment 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.

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.

Unsecured Loans, Overdrafts & Lines of Credit

An unsecured business loan, overdraft or line of credit could provide funds for business without the need for security or any collateral. Common uses of these types of finance are a short term cash-boost to grow your business, pay suppliers, pay wages, or to invest in marketing.

A major benefit of using TLR Finance to fund other large purchases besides property is obtaining finance that is tailored to fit your current financial circumstances and needs. With depreciating assets, the right finance can also potentially save you money on interest and fees, or potentially help you maximise your tax benefits and cash flow.

AND MORE – Not sure what kind of loan you need for your current financial circumstances? That’s our job. We deliver tailored finance solutions chosen from a panel of leading lenders, and give you peace of mind that your loan is working for you. Contact us today to find out all the ways we can help you.