Mortgages & Lending

Home Loans

Whether you are buying your first home, upgrading to something bigger, or just looking for something new, we can help you

A home loan is usually the largest and often long-term financial transaction that most individuals will make during their lifetime. We find home loans for your specific situation and can also provide 'Property Sales History' to assist you with determining how much you should be paying for a property and/or negotiating with the real estate agent. We save you time by doing all the hard work for you. Our service is FREE, and we are fully trained and accredited.

Home loans come in different types and with different interest rate options. With the constant changes in lending criteria and interest rates, we will work out which provider is best for you based on your needs. We compare rates, fees, and charges to ensure you get the best home loan deal for your financial situation.

Additional Info for First Home Buyers

The First Home Owner Grant scheme was introduced on 1 July 2000 to offset the effect of the GST on home ownership. It is a national scheme funded by each of the states and territories, and is administered under their own legislation. For further details visit www.firsthome.gov.au.

If you're ready to move into a new home, Virtue & Partners can help. Get in touch with us today.

Investment Loans

Under the right circumstances, borrowing to invest can be a potentially effective and tax-efficient way to help you grow your wealth

Property is a popular investment and can be held in your own name, jointly, in a company trust, or even a self-managed super fund. At Virtue & Partners we can assist you not just with your mortgage options, but also provide you with sound financial advice that will give you peace of mind on building your wealth to meet your financial goals.

We will consider things like how much you can borrow, using your existing equity, tax savings, and positive vs. negative gearing.

If you're ready to make your next big investment, Virtue & Partners can help. Get in touch with us today.

Pre-Approval Loans

Looking to make your next big purchase but still looking for the right one? A Pre-Approval Loan lets you know your borrowing capacity

By obtaining loan pre-approval, it allows you to shop for exactly what you're looking for at a price point you know you can afford.

Depending on the lender it normally takes 24 to 72 hours to assess your application for pre-approval. Pre-approvals can be valid from three months to one year, depending on the circumstances.

If you are looking to buy and need to know your borrowing capacity, Virtue & Partners can help. Get in touch with us today.

Business & Commercial Loans

In a climate where obtaining business finance is getting difficult, our commercial finance service can help your business, big or small

Obtaining a business loan or commercial finance can be difficult without the help of an experienced finance broker. We specialise in helping businesses obtain business finance to meet their growing needs. Whether you are buying a commercial property, a new business, expanding your existing business, buying equipment, or refinancing, we can work with you to find the best commercial and business finance solutions for you.

If you're ready to make your next big business purchase, Virtue & Partners can help. Get in touch with us today.

Asset Finance & Leasing

We can help you lease or finance your larger assets, as it can be a smarter way to get what you need without compromising cash flow

We help all kinds of businesses, from small to large, leverage their financial capacity. Purchasing assets such as equipment and vehicles is a significant financial undertaking. To help you preserve your working capital, we offer a range of equipment and car finance solutions with payment plans that can be customised to your cash flow.

If you need large assets for your business without compromising your cash flow, Virtue & Partners can help. Get in touch with us today.

Refinancing & Debt Restructuring

A loan you obtained in the past is no longer suitable for your needs: restructuring or refinancing could save you money

Whether your circumstances have changed, looking to consolidate, or you are simply looking for a better loan with more flexibility, you should consider refinancing or restructuring. Changing loan providers or restructuring existing debts could save you lots of money in the long run, but you must consider things like the up-front fees, stamp duty, government charges, and other costs.

Some things to take into consideration when determining if restructuring could work for you include better interest rates, improved features and flexibility, consolidating multiple debts, renovations or building a new home/development, change of circumstances/income, accessing more equity, or difficulty meeting repayments.

Virtue & Partners have helped many clients change their debt structures to be more tax advantageous. If we can help you, get in touch with us today.