Finance we provide
Checkout what we have been doing
I am the director of Oscar&Charles Finance Group and I have extensive experience in the finance industry, working at a number of financial institutions in my 17 year banking career from Residential to Corporate Banking. I have seen different economic changes and banking policy changes. Having an experienced finance professional will be more crucial than ever.
New Lending / Refinance
To understand your financial & lifestyle goals. We'll take the time to find an appropriate finance product, whether it is a home loan or business finance product to find the one that's right for you, calculate your borrowing power, work out repayments and answer any questions that you may have.
Refinance
There is usually a better deal regarding terms, suitability and rate after you have taken out your residential or commercial loan a few years ago. With the number of lenders in the market now, home loan and commercial lending is currently being priced at historically lower rates. Contact me to review you existing facilities as you could be saving a substantial amount of interest by moving your current loan or consolidating debts.
Home Loans
Finding a home loan can be tuff, common questions is how much can I borrow, which lender is suitable to me? Whether you’re looking for your first home, already in the property market, or looking to invest, our extensive experience in the finance industry provides a uniquely focused brokerage service. And when it comes to financing the purchase of your home, we take the hard work out of the process to find you competitive options.
Business Lending
Review your cashflow requirements and determine what type of facility could be suitable for your business. There are multiple facilities available and more than ever to assist your cashflow needs such as government backed business loans, Unsecured overdraft, business loans, trade and debt or facilities may also be a viable option. Another great facility that is not commonly known is IPF (insurance Premium Finding), this enables you to split your annual insurance premium up into monthly payments to make it easier for you to pay. We will go through which facility may be right for your business and provide you with the pros and cons of each facility.
Equipment Finance (Cars, trucks, trailers)
Purchasing assets in the business using cash may not be the best decision. It may be better to finance the asset and keep cash in business for future cashflow needs. We can determine the most appropriate repayment structure, to optimise tax deductible contributions. Can finance new and used cars, trucks, trailers, solar systems, racking, manufacturing equipment and more.
construction
Development Finance
With the big 4 banks not providing development finance like they used to, please contact me to find out more about alternatives to the majors for residential and commercial developments. Understanding the polices, money you may need to contribute, the associated costs and fees to obtain the finance can be confusing. With the big 4 banks not providing development finance like they used to, please contact me to find out more about alternatives to the majors for residential and commercial developments. There are other lenders providing finance for your development project, you just need someone to guide you… Oscar&Charles Finance can.
SMSF (new residential and commercial purchases)
Determine whether a SMSF Loan is suitable for your SMSF or provide guidance on how to setup up a new SMSF that will meet the policy requirements of lenders. The fund will need to compliant and will need to meet the servicing and liquidity measures of the lender. If you’re refinancing your existing SMSF loan, it likely was with one of the big four. They have stopped providing both Residential and Commercial SMSF loans, however there are multiple other options by other lenders to refinance your existing loan.
Private Funds
Private Funds (For short term property related transactions that do not meet bank or private lender requirements). Private Funds (For short term property related transactions that do not meet bank or other second tier lender requirements). We have helped clients that have been promised finance by a lender or another party to settle a property and now need to settle a property as the finance has fell through. Or current costs of existing loan have become overwhelming, and you need refinance. Have a chat to us about other options that require a quick funding solution and fast turnaround time.
five steps to finance
We will work closely with you to find the best solution.
To understand your financial & lifestyle goals. We’ll take the time to find an appropriate finance product, whether it is a home loan or business finance product to find the one that’s right for you, calculate your borrowing power, work out repayments and answer any questions that you may have.
Once we’ve helped you choose the loan that’s right for you, we’ll help you prepare the application and guide you through the process.
Depending on the loan type, the lender will either provide conditional approval and may request the following additional information, such as property valuation, conduct a credit check or other financial information. We’ll stay in touch with the lender and keep you informed along the way. Unconditional (full) approval is formal acknowledgement that your home or business loan application has been approved.
Your loan is both a significant financial commitment, once your loan documents arrive, we’ll organise a time to meet and help you complete the document.
If you’re purchasing a property, we’ll work with your solicitor / conveyancer to help organise settlement directly with the lender, according to the settlement date on the contract of sale. If you’re refinancing your existing home or business loan, will liaise with the lenders directly to exchange the documents.
Our blog
We share our thoughts to help you.
Did you know you don’t have to pay LMI?
What is the First Home Loan Deposit Scheme? The First Home Loan Deposit Scheme (FHLDS) is an Australian Government initiative to support eligible first home …
Top 5 Mortgage tips
Top tips to getting the best deal on your mortgage. People put so much emotional and physical effort into finding the right property that it’s …
Pro tips when applying for a loan:
-Stop using after pay to pay for stuff. -Don’t let you account/s go overdrawn -Don’t miss payment on i.e. credit card facilities. -Don’t have gambling …
Our Lenders
Our services
New Lending / Refinance
With over 95+ lenders on the panel, from home loan, commercial, equipment, unsecured, private lenders, finding a home for your transaction is made easier by having access to multiple lenders and products. We know what the appetite is for your particular scenario and will provide advice on a suitable solution.
Home Loan Lending
There is usually a better deal regarding terms, suitability and rate after you have taken out your residential or commercial loan a few years ago. With the number of lenders in the market now, home loan and commercial lending is currently being priced at historically lower rates.
Business / Commercial Lending
From your traditional facilities such as Overdrafts and Business loans. We can provide a mix of different alternatives such as Debtor and Trade Finance, Unsecured business loans. Different assessment types from full doc to no doc. Franchise or new start-up business lending.
Equipment Finance
Finance for new & used cars, trucks, trailers & boats, shop fit outs, solar panels, point of sale systems, racking and more.
Development Finance
With the big 4 banks not providing development finance like they used to, please contact me to find out more about alternatives to the majors for residential and commercial developments.
SMSF Loans
Self-managed SMSF’s loan for Residential and Commercial property purchases or refinances.
