Variable-Rate Home Loans
A variable-rate home loan is a type of home loan where the interest rate can change over time. This means that if interest rates decrease, you could pay less interest on your loan balance, potentially reducing your overall loan cost.
Bridging Loans
A bridging loan is a short-term loan that helps you finance the purchase of a new property while you wait for your existing property to sell. This type of loan covers the gap between buying your new home and selling your old one, ensuring a smooth transition without the need for an immediate sale.
Construction Loans
A construction loan is a type of short-term loan specifically designed to finance the construction of a new home or major renovations to an existing property. Unlike traditional home loans, construction loans provide funds in stages as the construction progresses.
Fixed-Rate Home Loans
A fixed-rate home loan is a type of mortgage where the interest rate remains the same for a predetermined period. This stability allows you to plan your finances knowing that your repayments will not change regardless of interest rates.
Split Loans
A split loan allows you to divide your home loan into two parts: one with a fixed interest rate and one with a variable interest rate. This structure provides the stability of fixed repayments on one portion while taking advantage of potential interest rate reductions on the variable portion.
Offset Loans
An offset loan is a type of home loan that is linked to an offset account. The balance in your offset account is deducted from your home loan balance when calculating interest, which can significantly reduce the amount of interest you pay over the life of the loan.
Guarantor Home Loans
A guarantor home loan allows you to borrow a higher percentage of the property value or even the full purchase price, using the equity in your guarantor’s property as additional security. This can be a great option for first-time buyers or those who have limited savings for a deposit.
Asset Finance
Asset finance allows you to borrow funds to purchase assets such as vehicles, equipment, or machinery. This type of financing is essential for businesses looking to grow and expand without depleting their working capital.
Low Deposit Home Loans
Low deposit home loans are available in the form of Goverment first home deposit schemes, guarantor home loans and lenders offering 5% deposit home loans.
Investment Loans
Investment loans are designed for individuals purchasing property for rental income or resale. Whether you’re a seasoned investor or buying your first investment property, Intuitive Finance is here to help.
Loan Refinance
If you have an existing mortgage and think you could get a better deal, loan refinancing might be the answer. At Intuitive Finance, we help you assess the market and either renegotiate with your current lender or move to a new provider to secure a better rate.
Equity Release Loans
Equity release loans and loan increases are both ways to tap into the equity in your property. While they share similarities, the key difference lies in how they are structured.
Commercial Loans
A commercial loan can provide the financial flexibility you need to achieve your business goals, whether it’s purchasing equipment, expanding operations, or acquiring commercial property. At Intuitive Finance, we understand the complexities of maintaining positive cash flow while growing your business, and we’re here to help structure financing that protects both your business and personal wealth.