REDUCE YOUR MONTHLY REPAYMENTS

Mortgage Loans Refinance or Debt Consolidation Commercial and Business Loans Auto Leasing and Hire Purchase Property Investment Structuring and Advice Banking Relationship Management Deposit Bonds Seniors Loans/ Reverse Mortgages Equity Finance Mortgage 97% Home/Investment Loans, including First Home Buyers Private Loans, Asset lend loans and 2nd mortgage loans

Services

JBA Finance Solutions specialise in providing the following services:

Mortgage Loans
Refinance or Debt Consolidation
Commercial and Business Loans
Auto Leasing and Hire Purchase
Property Investment Structuring and Advice
Banking Relationship Management
Deposit Bonds
Seniors Loans/ Reverse Mortgages
Equity Finance Mortgage (20% Interest Free Loan)
97% Home/Investment Loans. Including First Home owners loans.
Private Loans, Asset lend loans and 2nd mortgage loans
Rural Lifestyle Home Loans up to 50 hectares - available with all loan types
85% no Mortgagee Insurance loans - call or email for more info
Low Doc - Self Employed Loans
Construction Loans
Non Resident Loans
Poor repayment history, Defaults or Judgements - we can help - call or email for more info

For many, the prospect of buying the first home or re-financing for an investment is often a daunting task. JBA Finance Solutions aims to provide a service to assist you with all the information for an easy home loan process with options of a cheap mortgage rate loan to a complete mortgage package that best meets your needs, saving you time, and more importantly money.

Mortgage Loans

Home purchase - choose from basic variable, honeymoon, standard variable, Line of Credit or a fixed or a combination of any of the above.
Property Investment Structuring and Advice - see how an interest only option can help you save money and pay off your home loan. We can also calculate an estimate of the Tax rebate your will be entitled to.
Re finance or debt consolidation - with a loan structure that can save you money and reduce your monthly repayments.
Construction Loans - Full Doc and Low Doc - As well as normal construction loans being build under contract, we have access to lenders for Owner builder loans who lend against the estimated value of the finished property.
Small Business/Commercial - why pay higher business loan rates when in many cases you can raise money at normal rates by using your home. We also have access to lenders who are more flexible with cheaper rates than the major banks. It will cost you nothing to call us to find out how much you can save per month.
Lo Doc Loans - not everyone fits the square. If you have 20% deposit or equity in your home then finance is available without financials for teh Self Employed. With 20% deposit or equity , the rates the rates are exactly the same as for normal fully documentated home loan when two years financials have been provided. This type of loan is also available for PAYE people who have a varied income that is not acceptable to the banks up to 60% of teh valuation of teh property.
Non Resident Loans - If you are an Australian citizen working overseas we have access to a lender who can lend up to 85% on the purchase price of a property in Australia. Depending on the currency you are paid in overseas, we can also do the loan in the same currency at the interest rate of that country with the ability to switch to a loan to Australian Mortgage rates at a later date. If you are not an Australian citizen we can lend up to 80% of the purchase price of a property in Australia

Refinance & Debt Consolidation

Standard Variable
Basic Variable or No Frills
Honeymoon
Fixed Rate
Line of Credit

Re finance or debt consolidation

Banking Relationship Management
Lo Doc - Self Employed
No Doc Loans

Commercial / Business / Development Loans

We deal with many major Banks and Private funders and negotiate the best deal for you no matter what type of loan. If you have a Commercial Loan secured against your Residential Property we can reduce the rate and repayment. For all your Commercial Loans call me for a quote on what is offered in the market place, in most cases JBA Finance will find a loan with which will save you money. Low Doc Commercial & business Loans are also available . We shop around the Banks to get you the best deal.

Seniors Loans/ Reverse Mortgages

Seniors Access Home Loan or Reverse Mortgage is a no repayment required variable, fixed rate loan or even a Line of Credit specifically designed to assist people 60 years or over who own their home but have little cash for everyday living or things such as home renovations, an overseas holiday or a new car.

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Equity Finance Mortgage (20% Interest Free Loan)

An Equity Finance Mortgage (EFM) allows you to borrow up to 20% of a property's value. There is no annual percentage rate applicable to an EFM loan hence no repayment of interest to be paid. Hence you cab reduce your monthly payments by up to 20% and increase your borrowing capacity for up to 25% or simply consolidate your dents to reduce you monthly commitments.

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97% Home/Investment Loans (includes debt consolidation to 97%) and First Home Owner Loans.

Home and Investment loans and debt consolidation loans available up to 100% of the valuation of the property with or without Mortgagee Insurance.

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Private Loans, Asset Lends and 2nd Mortgage Loans (Funds available within 3 days)

Sometimes things don't go to plan. JBA Finance has access to finance to help you get out of trouble with finance available at short notice. Asset Loans up to 85% of valuation.

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Auto Leasing and Hire Purchase

The cheapest finance is located for a small one off fee. We source the best rate from a variety of lenders. Leasing and Hire Purchase also available to business with no financials required.

Property Investment Structuring and Advice

We have many investment packages available to ensure the investment property you buy is financed correctly. This package can also include rental analysis before your buy, projections on potential tax benefits and quantity surveyors reports for your tax. We may also be able to help you find that property through our many contacts.

Banking Relationship Management

Exclusive to loan clients of JBA Finance - this is where we help you in those day to day matters such as errors (computer or human), assistance in changing your loan say from variable to fixed or simply getting a cheque book. By using our service then you can be assured you get what you want, not what the bank thought your wanted.

Deposit Bonds

Bonds are used to meet your deposit requirements when you sign a contract. Rather than using cash or borrowing the money, bonds give you a cheaper alternative without the need for a mortgage over your home. These are available for periods up to 36 months which are perfect for those off the plan investments. At this time bonds are only available for Australian and Non Australian residents.