Such defaults that appear on your credit rating can prevent you
or your business from having access to suppliers account facilities
and finance at normal rates. This then in turn severely restrict
cash flow within your business.
We have over 30 years experience in the banking & finance
industry, so we can savr you from being unduly penalised by
past/settled indescretions or mishaps.
Do you have a successful, established company or an an exciting
start-up business? Do you need funding to realise your dream?
Apply online and we will contact
you within 24 hours
Investment loans
We can organise loans for residential investment properties, commercial property, businesses, purchasing shares or any other worthwhile investment opportunity. By borrowing for your investing you can receive huge tax advantages (please consultant your accountant).
The idea of borrowing for your investing is built around wealth creation. This is the perfect way to build the worth of your balance sheet and prepare for the future. At Dreamloans we can help you finance your investing.
Apply online and we will contact
you within 24 hours
Loans for bad credit ratings
Even if you have a bad credit rating due to default or judgement, all is not lost. A loan to suit your needs is still obtainable via the non conforming market. We deal with financial institutions that specialise in these types of situations. You can borrow up to 90% of the value of a property to refinance bad debts or purchase a home.
With the non conforming product you can get back on track with your finances and have the opportunity to start showing a good repayment history. Once this repayment history can be proven, you will once again be within the guidelines of the prime lending market. Don't be embarrassed about your situation. Everyone gets into financial trouble occasionally. Give Dreamloans a call on 1300 780 050 and find out how you can get back on track.
Apply online and we will contact
you within 24 hours
Low Doc Loan
Don't have current business financials but want to get a loan now? We can organise a loan for you without financial statements. If you have a current ABN or are in secure permanent employment, you can sign a self-declaration of income, specifying your earnings.
This type of loan has been introduced as the banks realise that many people, especially self-employed people do not keep up with their financial records. This does not have to disadvantage you in the property and investment market. While you do need to provide a substantial deposit (between 20-35% depending on the financial institution), instead of financials, you simply provide a self-declaration confirming your earnings to the banks. Talk to one of our consultants about how simple it can be for you to get finance.
Apply online and we will contact
you within 24 hours
Negative Gearing
Loans to purchase investment property and share portfolios or investment trusts have been popular for many years. There can be significant wealth creation opportunities and tax advantages. You should seek professional advice from a licensed adviser or accountant before adopting such a strategy.
At Dreamloans, we have access to financial solutions to suit every possibility. Discuss the finance options with one of our consultants that will suit your particular investment needs.
Apply online and we will contact
you within 24 hours
Split loans
There are so many loan options in the finance industry that you may want the security of one option but the flexibility of another. By splitting your loan you can have both.
If you have an investment property as well as a home, or want to fix a part of your loan for a period of time, you can have your loan split into 2 of more facilities to suit your needs. Contact Dreamloans on 1300 780 050 to discuss the split loan facility further.
Apply online and we will contact
you within 24 hours
Fixed rate loans
In the current economic climate, many people are worried about increasing interest rates. You can have your loan fixed for a period of 1-10 years for piece of mind. This will guarantee a constant periodic repayment for the chosen fixed term.
It is important to note that fixed rates can frequently change (either higher or lower). To protect yourself from a rising rate you can opt for a rate lock at the time of application. This can often come at a cost but will guarantee a specific rate.
Talk to one of Dreamloans consultants about your future plans. Some fixed facilities have limits on the amount of extra repayments allowed over the fixed period of the loan. If you think that you may want to make extra repayments, ensure that you mention this possibility when discussing your loan with us.
Apply online and we will contact
you within 24 hours
Variable Rate Loans
A Variable Rate Loan is a standard mortgage, where the interest rate of the loan (and consequently the periodic repayments) can move in accordance with economic conditions at the time. With this facility you make principal and interest reductions in every repayment.
With a Variable Rate Loan you are able to pay lump sums off your loan without penalty. With this method you have the ability to pay off your loan much quicker. With some institutions there are Discount Variable Loan facilities where you receive a discount on the rate for the life of the loan. Contact one of the Dreamloans staff for more information.
Apply online and we will contact
you within 24 hours
Dreamloans is a free mortgage and finance service, providing home loans and commercial finance through over 30 of Australia's leading banks, and other lenders.
(Australia Wide - NSW, Vic, Qld, WA, SA, Tas, NT, ACT)
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