Services
Our Services
We believe in making our clients satisfied with our services, earning their trust, and making sure
we're all on the same page. We care more about our clients than just making quick deals.
Refinance:
AusXFinance offers a comprehensive range of financial services tailored to meet diverse needs. Through our refinance service, we assist clients in restructuring their existing loans to potentially secure better terms or lower interest rates. Whether it’s reducing monthly payments or consolidating debt, our refinance solutions are designed to optimize financial outcomes. With our expert guidance and extensive network of lenders, clients can confidently navigate the refinance process, ensuring that their financial goals are met efficiently and effectively.
Refinancing offers several beneficial features for customers:
Lower Interest Rates: Refinancing allows customers to secure a new loan with lower interest rates, potentially reducing monthly payments and overall interest costs.
Debt Consolidation: Customers can consolidate multiple debts into a single loan through refinancing, simplifying repayment and potentially lowering overall interest rates.
Improved Loan Terms: Refinancing offers customers the opportunity to renegotiate loan terms, such as extending or shortening the loan term, adjusting repayment schedules, or switching between fixed and variable interest rates.
Access to Equity: Customers can access equity built up in their property through refinancing, providing funds for home improvements, investments, or other financial needs.
Enhanced Financial Management: Refinancing allows customers to restructure their finances to better suit their current circumstances, whether it’s reducing debt, freeing up cash flow, or achieving other financial goals.
Debt Consolidation: Customers can consolidate multiple debts into a single loan through refinancing, simplifying repayment and potentially lowering overall interest rates.
Improved Loan Terms: Refinancing offers customers the opportunity to renegotiate loan terms, such as extending or shortening the loan term, adjusting repayment schedules, or switching between fixed and variable interest rates.
Access to Equity: Customers can access equity built up in their property through refinancing, providing funds for home improvements, investments, or other financial needs.
Enhanced Financial Management: Refinancing allows customers to restructure their finances to better suit their current circumstances, whether it’s reducing debt, freeing up cash flow, or achieving other financial goals.
SMSF Loans:
For those interested in self-managed superannuation funds (SMSFs), AusXFinance provides specialized SMSF loans. We understand the unique requirements of managing retirement funds and offer tailored lending solutions to support investment strategies within SMSFs. Our dedicated team works closely with clients to assess their SMSF needs and structure loans that align with their long-term financial objectives, providing peace of mind and financial security for the future.
SMSF (Self-Managed Superannuation Fund) Loans offer several beneficial features for customers:
Property Investment Opportunity: SMSF loans enable trustees to invest in property using their superannuation funds, allowing for diversification beyond traditional investments like stocks and bonds.
Tax Advantages: Investing in property through an SMSF can offer tax benefits, with rental income taxed at concessional rates and potential capital gains tax advantages upon retirement.
Leverage: SMSF loans allow trustees to leverage their fund’s assets to acquire larger investments, potentially increasing returns on investment, though this strategy carries higher risk.
Asset Growth Potential: Property investments within an SMSF can provide opportunities for capital growth over the long term, boosting the fund’s overall wealth.
Portfolio Diversification: By adding property to their investment mix, trustees can diversify their SMSF portfolio, spreading risk across different asset classes.
Tax Advantages: Investing in property through an SMSF can offer tax benefits, with rental income taxed at concessional rates and potential capital gains tax advantages upon retirement.
Leverage: SMSF loans allow trustees to leverage their fund’s assets to acquire larger investments, potentially increasing returns on investment, though this strategy carries higher risk.
Asset Growth Potential: Property investments within an SMSF can provide opportunities for capital growth over the long term, boosting the fund’s overall wealth.
Portfolio Diversification: By adding property to their investment mix, trustees can diversify their SMSF portfolio, spreading risk across different asset classes.
Asset Finance:
Asset finance is another key area where AusXFinance excels. We facilitate the acquisition of business-critical assets such as equipment, machinery, or vehicles through competitive financing options. Our expertise in asset finance enables businesses to grow and prosper by acquiring necessary assets without significant upfront costs. Whether it’s upgrading technology or expanding operations, AusXFinance provides flexible and scalable financing solutions to meet the evolving needs of modern enterprises.
Asset Finance offers several beneficial features for customers:
Conservation of Capital: Asset finance enables businesses to preserve their working capital by spreading the cost of acquiring assets over time through leasing or hire purchase agreements.
Flexible Payment Structures: Customers benefit from customizable repayment plans that align with their cash flow.
Access to Latest Technology and Equipment: Asset finance allows businesses to stay competitive by accessing state-of-the-art equipment and technology without the risk of obsolescence.
Preservation of Credit Lines: Opting for asset finance protects existing credit lines with banks and financial institutions, allowing businesses to maintain flexibility in securing additional credit for expansion or other operational needs.
Tax Benefits: Asset finance arrangements may offer tax advantages such as deductible lease payments, reducing taxable income and overall tax liability for businesses, depending on local tax regulations and the structure of the finance agreement.
Flexible Payment Structures: Customers benefit from customizable repayment plans that align with their cash flow.
Access to Latest Technology and Equipment: Asset finance allows businesses to stay competitive by accessing state-of-the-art equipment and technology without the risk of obsolescence.
Preservation of Credit Lines: Opting for asset finance protects existing credit lines with banks and financial institutions, allowing businesses to maintain flexibility in securing additional credit for expansion or other operational needs.
Tax Benefits: Asset finance arrangements may offer tax advantages such as deductible lease payments, reducing taxable income and overall tax liability for businesses, depending on local tax regulations and the structure of the finance agreement.
Low Doc Loans:
Entrepreneurs and individuals seeking low-documentation (Low Doc) loans can rely on AusXFinance for flexible and accessible financing solutions. We understand that traditional documentation requirements can be challenging for some borrowers, and our Low Doc loan service is designed to provide financing with reduced paperwork and streamlined processes. With quick approvals and personalized service, AusXFinance empowers clients to access the funds they need efficiently, allowing them to focus on achieving their financial goals with confidence.
Low Doc Loans offers several beneficial features for customers:
Flexible Income Verification: Low doc loans typically require less stringent income verification compared to conventional loans.
Quick Approval Process: Since low doc loans require less documentation, they often have faster approval processes compared to standard mortgages.
Accessibility for Self-Employed Borrowers: Many self-employed individuals struggle to qualify for traditional mortgages due to irregular income or difficulty documenting their earnings.
Tailored Loan Options: Low doc loans come in various forms, offering flexibility in terms of loan amounts, interest rates, and repayment terms.
Opportunity for Homeownership: For self-employed individuals who may not meet the strict income verification requirements of conventional loans, low doc loans represent an opportunity to achieve homeownership.
Quick Approval Process: Since low doc loans require less documentation, they often have faster approval processes compared to standard mortgages.
Accessibility for Self-Employed Borrowers: Many self-employed individuals struggle to qualify for traditional mortgages due to irregular income or difficulty documenting their earnings.
Tailored Loan Options: Low doc loans come in various forms, offering flexibility in terms of loan amounts, interest rates, and repayment terms.
Opportunity for Homeownership: For self-employed individuals who may not meet the strict income verification requirements of conventional loans, low doc loans represent an opportunity to achieve homeownership.
Personal Loans:
Personal loans offered by AusXFinance cater to various personal financial needs, from unexpected expenses to planned investments. Our personalized approach ensures that clients receive suitable loan options with favorable terms and repayment schedules. Whether it’s financing a dream vacation or consolidating high-interest debt, AusXFinance provides transparent and competitive personal loan solutions tailored to individual circumstances.
Personal Loans offers several beneficial features for customers:
Flexibility in Use: Personal loans provide borrowers with the flexibility to use the funds for a variety of purposes, such as debt consolidation, home improvement, medical expenses, or special occasions like weddings. This versatility allows customers to address various financial needs without restrictions.
No Collateral Required: Unlike many other types of loans, personal loans typically do not require collateral, making them accessible to a broader range of borrowers. This feature is particularly beneficial for individuals who may not have significant assets to secure a loan.
Fixed Interest Rates: Many personal loans come with fixed interest rates, which means the monthly payments remain consistent throughout the loan term. This predictability helps borrowers budget effectively and avoid unexpected increases in payments.
Structured Repayment Plans: Personal loans often offer structured repayment plans with fixed monthly installments over a specified term. This predictability enables borrowers to plan their finances accordingly and manage their repayment schedules efficiently.
Quick Approval and Disbursement: Compared to other forms of financing, personal loans typically have faster approval processes. Once approved, funds can be disbursed quickly, which is advantageous for addressing urgent financial needs.
No Collateral Required: Unlike many other types of loans, personal loans typically do not require collateral, making them accessible to a broader range of borrowers. This feature is particularly beneficial for individuals who may not have significant assets to secure a loan.
Fixed Interest Rates: Many personal loans come with fixed interest rates, which means the monthly payments remain consistent throughout the loan term. This predictability helps borrowers budget effectively and avoid unexpected increases in payments.
Structured Repayment Plans: Personal loans often offer structured repayment plans with fixed monthly installments over a specified term. This predictability enables borrowers to plan their finances accordingly and manage their repayment schedules efficiently.
Quick Approval and Disbursement: Compared to other forms of financing, personal loans typically have faster approval processes. Once approved, funds can be disbursed quickly, which is advantageous for addressing urgent financial needs.
Business Loans:
Businesses looking to expand, invest, or manage cash flow can benefit from AusXFinance’s business loan services. Whether it’s funding for growth initiatives, working capital, or equipment financing, our business loans are tailored to support entrepreneurial endeavors and corporate ventures. With flexible repayment options and competitive interest rates, AusXFinance partners with businesses to fuel growth and drive success in today’s dynamic marketplace.
Business Loans offers several beneficial features for customers:
Flexible Repayment Options: Business loans often come with flexible repayment terms tailored to the cash flow of the business. This can include monthly, quarterly, or even seasonal repayment schedules, making it easier for businesses to manage their finances effectively.
Competitive Interest Rates: Many lenders offer competitive interest rates on business loans, which can be significantly lower than other types of financing options. This helps businesses save on financing costs and improves their overall profitability.
Quick Approval and Disbursement: Unlike traditional bank loans that may take weeks to process, business loans from alternative lenders often have quick approval processes. Some loans can be approved and disbursed within a few days, providing businesses with timely access to capital.
No Collateral Required: Certain types of business loans, such as unsecured loans, may not require collateral. This is beneficial for businesses that do not want to pledge assets as security for the loan, reducing risk and simplifying the application process.
Use for Various Purposes: Business loans can be used for a wide range of purposes, including working capital, equipment purchase, inventory financing, expansion, or hiring staff. This flexibility allows businesses to address specific financial needs effectively.
Competitive Interest Rates: Many lenders offer competitive interest rates on business loans, which can be significantly lower than other types of financing options. This helps businesses save on financing costs and improves their overall profitability.
Quick Approval and Disbursement: Unlike traditional bank loans that may take weeks to process, business loans from alternative lenders often have quick approval processes. Some loans can be approved and disbursed within a few days, providing businesses with timely access to capital.
No Collateral Required: Certain types of business loans, such as unsecured loans, may not require collateral. This is beneficial for businesses that do not want to pledge assets as security for the loan, reducing risk and simplifying the application process.
Use for Various Purposes: Business loans can be used for a wide range of purposes, including working capital, equipment purchase, inventory financing, expansion, or hiring staff. This flexibility allows businesses to address specific financial needs effectively.
New Home Loans:
Navigating the complexities of new home loans is made easier with AusXFinance. We guide clients through the process of securing competitive mortgage rates for purchasing residential properties. Our experienced team assists at every step, from application to settlement. With access to a wide range of lenders and mortgage products, AusXFinance ensures that clients find the right home loan solution to suit their needs and budget, making the dream of homeownership a reality.
New Home Loans offer several beneficial features for customers:
Competitive Interest Rates: New home loans often come with competitive interest rates, making homeownership more affordable. Lower interest rates mean reduced overall borrowing costs over the loan term, translating into more savings for the customer.
Flexible Repayment Options: Many lenders offer flexible repayment options tailored to individual needs. This can include choosing between fixed or variable interest rates, as well as the ability to make extra repayments or access redraw facilities, giving customers greater control over their finances.
Low or No Fees: New home loans often come with reduced upfront fees, including application fees, valuation fees, and legal fees. Some lenders may even offer promotions with no establishment fees or ongoing monthly fees, making it more cost-effective for customers to secure a loan.
Loan Portability: This feature allows customers to transfer their home loan to a new property without having to refinance. This can be advantageous if the customer decides to move to a different home during the loan term, providing flexibility and potentially saving on additional fees.
Additional Features: Many new home loans come with additional features such as offset accounts or redraw facilities. An offset account can help reduce interest payable on the loan amount, while a redraw facility allows customers to access extra payments they’ve made on their loan if needed, providing added financial flexibility.
Flexible Repayment Options: Many lenders offer flexible repayment options tailored to individual needs. This can include choosing between fixed or variable interest rates, as well as the ability to make extra repayments or access redraw facilities, giving customers greater control over their finances.
Low or No Fees: New home loans often come with reduced upfront fees, including application fees, valuation fees, and legal fees. Some lenders may even offer promotions with no establishment fees or ongoing monthly fees, making it more cost-effective for customers to secure a loan.
Loan Portability: This feature allows customers to transfer their home loan to a new property without having to refinance. This can be advantageous if the customer decides to move to a different home during the loan term, providing flexibility and potentially saving on additional fees.
Additional Features: Many new home loans come with additional features such as offset accounts or redraw facilities. An offset account can help reduce interest payable on the loan amount, while a redraw facility allows customers to access extra payments they’ve made on their loan if needed, providing added financial flexibility.
Car / Truck Loans:
Car and truck loans are available through AusXFinance to facilitate vehicle ownership for individuals and businesses alike. Our financing options for automotive assets are flexible and can be tailored to suit different budgets and preferences. Whether it’s purchasing a family car or upgrading a commercial fleet, AusXFinance provides hassle-free financing solutions with competitive rates and convenient repayment terms, helping clients get behind the wheel with ease.
Car / Truck Loans offer several beneficial features for customers:
Competitive Interest Rates: Lower interest rates mean lower overall costs for the loan. When customers can secure a loan with a competitive rate, they save money over the life of the loan, making their vehicle purchase more affordable. Flexible Repayment Terms: Offering flexible repayment options allows customers to tailor their loan payments to their budget and financial circumstances. This could include longer loan terms for lower monthly payments or the ability to make extra payments without penalties.
Pre-Approval Options: Pre-approval streamlines the car-buying process by letting customers know exactly how much they can borrow before they shop for a vehicle. This gives them negotiating power and speeds up the purchase process.
No or Low Fees: Loans with minimal fees (or no fees) are more attractive to customers as they avoid additional costs associated with processing, origination, or early repayment. Clear fee structures provide transparency and build trust.
Customer Support and Education: Excellent customer service and educational resources can guide customers through the loan process, helping them understand terms, fees, and responsibilities. This support ensures customers feel confident and informed about their borrowing decisions.
Pre-Approval Options: Pre-approval streamlines the car-buying process by letting customers know exactly how much they can borrow before they shop for a vehicle. This gives them negotiating power and speeds up the purchase process.
No or Low Fees: Loans with minimal fees (or no fees) are more attractive to customers as they avoid additional costs associated with processing, origination, or early repayment. Clear fee structures provide transparency and build trust.
Customer Support and Education: Excellent customer service and educational resources can guide customers through the loan process, helping them understand terms, fees, and responsibilities. This support ensures customers feel confident and informed about their borrowing decisions.
Commercial Loans:
For enterprises seeking financial solutions for commercial ventures, AusXFinance offers comprehensive commercial loan services. From property development financing to funding for large-scale projects, our commercial loans support ambitious ventures and strategic business growth. Our experienced team works closely with clients to understand their unique needs and objectives, crafting tailored loan solutions that drive success. With flexible terms, competitive rates, and personalized service, AusXFinance is the partner of choice for businesses looking to thrive in today’s competitive world.
Commercial Loans offer several beneficial features for customers:
Flexible Terms: Commercial loans typically offer flexible terms, allowing businesses to choose repayment schedules that align with their cash flow. This flexibility enables businesses to manage their finances effectively without straining their operations.
Higher Loan Amounts: Compared to personal loans, commercial loans often come with higher borrowing limits. This is advantageous for businesses requiring substantial capital for growth initiatives, equipment purchases, or large-scale projects.
Lower Interest Rates: Depending on the borrower’s creditworthiness and the purpose of the loan, commercial loans often have lower interest rates than alternative financing options. This helps businesses save on borrowing costs over the loan term.
Customized Solutions: Financial institutions provide tailored loan structures based on the specific needs and goals of businesses. This customization allows businesses to access funding that best suits their requirements, whether short-term working capital or long-term investments.
Boost Credit Profile: Successfully managing a commercial loan can enhance a business’s credit profile. Timely repayments and responsible debt management reflect positively on the business’s creditworthiness, paving the way for easier access to future financing at favorable terms.
Higher Loan Amounts: Compared to personal loans, commercial loans often come with higher borrowing limits. This is advantageous for businesses requiring substantial capital for growth initiatives, equipment purchases, or large-scale projects.
Lower Interest Rates: Depending on the borrower’s creditworthiness and the purpose of the loan, commercial loans often have lower interest rates than alternative financing options. This helps businesses save on borrowing costs over the loan term.
Customized Solutions: Financial institutions provide tailored loan structures based on the specific needs and goals of businesses. This customization allows businesses to access funding that best suits their requirements, whether short-term working capital or long-term investments.
Boost Credit Profile: Successfully managing a commercial loan can enhance a business’s credit profile. Timely repayments and responsible debt management reflect positively on the business’s creditworthiness, paving the way for easier access to future financing at favorable terms.
Why Choose Us
|| ABOUT SERVICES ||
Creating A Stronger Financial System With Us!
With extensive experience spanning the financial services sector, we offer a unique and forward-thinking viewpoint. In a heavily regulated environment, we act as reliable guides for your intricate transformation endeavors. At AusXFinance, we’re dedicated to constructing a better financial system – one that’s more sustainable, digital, and inclusive. Regardless of where your business stands on its transformation path, we’re here to facilitate meaningful connections and support your journey forward.
Cash Flow Management
Ensuring funds flow smoothly to cover expenses and seize opportunities, enhancing financial stability.
Financial risk management
Safeguarding assets and investments from potential market fluctuations and unforeseen events, securing long-term financial health.
Retirement planning
Strategizing and saving for a comfortable retirement, tailored to individual goals and aspirations for the future.
Insurance planning
Assessing risks and selecting appropriate insurance coverage to protect against potential losses and unforeseen circumstances.
Investment planning
Developing personalized investment strategies to grow wealth and achieve long-term financial objectives, maximizing returns while managing risks.
Tax planning
Optimizing financial strategies to minimize tax liabilities and maximize savings, ensuring compliance with tax laws while maximizing benefits.
Frequently Asked Questions
We will match you with a loan program that meet your financial need.
The amount you can borrow, known as your borrowing capacity, varies among lenders. To determine yours, contact us for an assessment of your situation.
Budget approximately 5-7% of the purchase price, in addition to your deposit, to cover various fees and charges, including government stamp duty, inspection fees, valuation fees, lender’s mortgage insurance (LMI), legal fees, insurance, and utility connection fees.
Refinancing involves taking out a new loan to pay off your existing one, often with a different lender. Whether staying with your current lender or switching, the new lender manages paying off your previous loan.
If you’ve owned your home for a while, you’ve likely built up equity. Instead of a cash deposit, you can use this equity toward a property purchase, covering costs like establishment fees and stamp duty in your borrowing.
Property investment offers numerous benefits for long-term wealth building. By carefully selecting properties that align with demographic trends and lifestyle preferences, investors can enjoy solid returns over time.
