Financial Services - Home Loans - Commercial Loans
As a mortgage broker, we work with you and in particular your accountant, to ensure you get the most tax effective result from your borrowings as we are actively involved in your financial journey. The tax effectiveness of your loan is a key component in determining the suitability of each loan for your requirements.
We aim to be able to provide loans for all circumstances. Some of the newer mortgages available include:
  • Family Guarantee loans - an ideal way to use the equity in your home to assist the kids in their first purchase;
  • Reverse mortgages - for retirees wishing to use the equity in their home to enable them to redecorate, take a holiday, or to supplement their retirement funds in order to live a better quality of life.
  • Self Managed Superannuation Funds (SMSF) - recent amendments to the SIS Act allow for a regulated SMSF to borrow or acquire assets by a third party.
  Residential Home Loans
  Mortgage Reviews
  Commercial Property Finance
 
  Construction and Development Finance
  Leasing/Hire Purchase
  Self Managed Superannuation Funds
Residential Home Loans
We offer a wide range of home loans, with over 25 lenders to choose from, including: 
  • standard home loan
  • investment property finance
  • first home buyers
  • equity release loans
  • construction loans, including owner builder
  • debt consolidation
  • low doc loans
  • family equity loans
  • reverse mortgages (for retirees)
  • loans for borrowers with credit problems or bad credit history

Mortgage Reviews
In the current economic environment, banks and lenders are regularly revising their loan specifications and releasing new products. We are at the fore-front of a changing market place and we pride ourselves on our ability to respond quickly to these shifts in the market. A mortgage review could save you thousands of dollars per year – give it the time it deserves! We offer this as a complimentary service.

Commercial Property Finance
Freshwater Financial Services have a wide range of finance options to assist property investors and owner occupiers achieve the best pricing and structures through a varied panel of commercial lenders. We can offer:

  • loans up to 70% of the property value
  • finance for office, retail and industrial premises
  • loan terms from 3 years to 25 years
  • low doc commercial loans

 Construction and Development Finance
Freshwater Financial Services arranges construction finance for residential, commercial and industrial properties. From home renovations to property development, our panel of lenders have a loan to suit your circumstances. Owner builders are also catered for.

Leasing/Hire Purchase
Freshwater Financial Services can offer Leasing, Commercial Hire Purchase, Chattel Mortgages and Novated Leases on a range of products including:

  • motor vehicles
  • fit outs for offices and factories
  • plant and equipment

Self Managed Superannuation Funds
In September 2007, amendments were made to the Superannuation Industry Supervision (SIS) Act 1993, allowing for a regulated SMSF to borrow or acquire assets by a third party.  Beneficiaries of the superannuation fund are held on trust for the SMSF.  An SMSF can now borrow money to acquire property assets up to a maximum of 65% for commercial property and up to 80% on a residential property.  The asset belongs to the superannuation fund and any profits from the sale of the asset can’t be accessed until retirement age.  Talk to us about your SMSF.