Services

Home Loans

At Your Finance Company (YFC), we can help you step in that first home, upsize from existing home, downsizing or simply buying holiday homes. At YFC, we will assess your individual circumstances and help you choose amongst the available options as below:

1. Standard Variable Rate loans
2. Fixed Rate loans
3. Fixed and Variable combination loans
4. Redraw Facility
5. Low Doc loans
6. Assist with applying for First Home Owners Grant (subject to eligibility)
7. Assist with property reports.

At YFC, we will have a streamlined process of offering you array of available loans available to suit your need. We will explain you the costs and timeframes involved upfront, help you get a pre-approval and support you all thru the process.

Investment Loans

At Your Finance Company (YFC) we understand the importance of investing in properties as it leads to wealth generation. We can assist with the variety of investment loans available with the best possible rates. We have experts in collaboration available to discuss following -

1. Negative gearing
2. Depreciation schedule
3. Property report for the area
4. Loan structuring
5. Use of Equity in existing property

Property Development / Land Banking Loans

At Your Finance Company, we assist to source funding for property development and land banking. We have the experience and knowledge necessary to successfully organise property development funding. We have extensive experience in structuring property development finance facilities throughout Australian lenders Property Development can be –

1. Multi-unit Residential developments
2. Commercial Warehouse development,
3. Offices,
4. Industrial zone developments
5. Retail shops and offices
6. Residential apartments

Land Banking has been a long term investment strategy for many. We have lenders who have flexible funding policies to assist.

Different lenders have different requirements to meet and we can assist you with structuring the loan to best benefit you and meet Bank’s criteria of funding.

Personal Loans

There is always a need to buy a new car, go on a holiday, consolidate card debts, and renovate your home. Our experts at YFC, we can help you get the personal loan that’s right for you, with competitive interest rates and fast pre-approval.

Self-Managed Super Fund Lending (SMSF)

The current trend is to accelerate your retirement pool - your superannuation - to grow your retirement funds and savings. If you have a self-managed superfund or are considering establishing your own super fund, you are now able to use these funds to help you buy a residential or commercial investment property.

SMSF lending is a limited recourse facility and hence lenders have rigid criteria as they follow SIS Act to ensure all the guidelines are met concretely. The loan is funded to SMSF while the ownership of the asset remains with a separate Property/Bare Trust. The trustee arranges for the property to be leased to an unrelated party and the rent, together with other SMSF income and/or member contributions are used to make instalment payments. Once the loan is paid off, the legal ownership of the property can be transferred to the SMSF.

At YFC, we can assist you with all your needs for SMSF funding including in-house service of setting up SMSF Trust and Bare Trust

Vehicle finance

At YFC, we have the expertise to guide and assist you for the right Asset Finance with competitive rates. We can assist you with finance for the following –

1. Car finance
2. Boat finance
3. Equipment finance
4. Truck and Van finance
5. Bus Loans