1. We Listen! We know that’s not enough,
but it’s an important start. You are our
priority. You will not be pressured to accept
any loan unless you are settled that its right
2. We can offer a 2% interest rate discount
on any loan. Ask us how.
3. We are Mortgage Managers, not brokers. That
means we do the application for you and work
with you for the life of the loan to help maximise
your financial opportunities. Even the banks
just give you the loan and then you only hear
from them when the rate goes up!
Can Advest access all loan types?
We can adapt products to help achieve your
financial goals. Main loans available are:
Sure Start: A Standard Principal and Interest
Loan that can be used to borrow up to 95% of
a property’s value.
Quick Pay: A Line of Credit for faster repayment
with the ability to use equity to buy needed
extras, plus a loan splitting feature for investment
and business purposes.
Start-Up: Lower Repayments to start and higher
ones over time.
No Fuss, Lo Doc: Suitable for contractors, self-employed
and business owners, with all the convenient
features you would expect from a loan.
Express, No Doc: Fast approval at a higher rate
for those who find it difficult to prove a financial
We also facilitate Business Expansion, Commercial
Property and Car Hire Purchase Loans plus Leasing
for a number of categories.
What Fees and Charges apply?
Our mortgage service to you is free. The funding
organisation pays us a commission percentage
and covers certain other costs we may incur.
Many industries such as the travel industry
pay commission in the same way. This enables
a more competitive marketplace and encourages
wider access to innovative products and services.
However the funding companies charge loan application
and property valuation fees. Each loan is free
of all fees and charges unless there is a default
Go to Fees for more
What amount can I borrow?
This is everyone’s concern. The percentage
of the property’s value that can be borrowed
depends on the type of loan and your ability
to reliably service the repayments. However,
most loans can be an amount up to 95% of the
property’s value, although ‘No Doc’
and ‘Lo Doc’ Loans are a lower percentage
of property value. Our experienced loan consultant
will assist you to calculate the correct figure,
so that you can search for a property with confidence.
Surely the interest
rate discount (up to 2% ) is too good to be
Some lenders offer a discount rate for a short
period of the loan. We can offer some borrowers
a 2% interest rate discount for the life of
their loan. It’s real and it’s possible.
Each borrower must satisfy the required lending
criteria for this feature in the same way that
any loan application must meet minimum requirements.
How do we do it?
Contact a consultant to find out how.
Does the interest rate discount work with every
The discount can be applied
to any loan – even no doc loans.Contact
a consultant to find out how.