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HOME LOANS


Special Variable Rate¹

INTEREST RATE

INTEREST RATE

COMPARISON RATE

COMPARISON RATE

  • Owner occupier only
  • Conditions, fees & charges apply

INTEREST RATE

INTEREST RATE

COMPARISON RATE

COMPARISON RATE

1-5 YEAR FIXED RATE²

  • Owner occupier only
  • Conditions, fees & charges apply

INTEREST RATE

INTEREST RATE

COMPARISON RATE

COMPARISON RATE

INVESTOR VARIABLE³

  • Total loan over $200,000
  • Conditions, fees & charges apply

Finding the right home loan invariably means talking to an expert and discussing your short and long term objectives, features and benefits you want that loan to incorporate and then; identifying a lender that ticks all the boxes. It can be a time consuming process, made all the more difficult if you’re not in the bank’s typical target market, which today is predominately first home buyers with steady jobs, good credit scores and 20% + deposits. At Morgan Brooks we’ve been helping our clients find the loan that suits them best since 1993 where your income, background, equity and loan repayment objectives are matched with every changing lender appetites. Call or email us today. It could make all the difference between achieving your goals or falling short

¹ This rate is only available to owner occupiers with a loan to valuation ratio of less than or equal to 90% and a loan size above $150,000. For new applications received after 09/10/2017 but subject to change. Comparison rate above is based on a home loan of $150,000 for 25 years. WARNING: The comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in different comparison rates.

Applications are subject to approval. Conditions, fees and charges apply.
Not all lenders lend in every state or territory.
² This rate is only available to owner occupiers with a loan to valuation ratio of less than or equal to 90% and a loan size above $150,000. For new applications received after 09/10/2017 but subject to change. The rate shown is based off a 3 year fixed term. Comparison rate above is based on a home loan of $150,000 for 25 years reverting to the current variable rate of 3.74%. Comparison rates for fixed rates will be lower for loans greater than $200,000 WARNING: The comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in different comparison rates.

Applications are subject to approval. Conditions, fees and charges apply.
Not all lenders lend in every state or territory.
³ This rate is only available to investors with a loan to valuation ratio of less than or equal to 80%. For new applications received after 09/10/2017 but subject to change. Comparison rate above is based on a home loan of $150,000 for 25 years. WARNING: The comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in different comparison rates.

Applications are subject to approval. Conditions, fees and charges apply.
Not all lenders lend in every state or territory.

COMMERCIAL LOANS


COMMERCIAL LOANS


Variable Rate¹

INTEREST RATE

INTEREST RATE

COMPARISON RATE

COMPARISON RATE

  • $1M < $3M
  • Conditions, fees & charges apply

2 YEAR FIXED

2 YEAR FIXED

COMPARISON RATE

COMPARISON RATE

FIXED RATE²

  • 1 year - 5 years
  • Conditions, fees & charges apply

 
INTEREST RATE

INTEREST RATE

MID DOC VARIABLE³

  • Approval based on self-certification of personal and business income*
  • Conditions, fees & charges apply

Identifying and getting on the same page with a lender to assist in your next purchase or determining who can best save you money on refinance can be a daunting task. If you’re self-employed, like so many of our clients, the options seem endless yet the prize can be so elusive. In todays regulated lending environment it’s as much about finding the right lender as it is in knowing their appetite to lend against certain asset classes. At Morgan Brooks we offer a broad range of loans from Full Doc applications to Lease Doc and Alt Doc. Why not give us a no obligation call; it could save you thousands and avoid the need to supply yearly financials and possible revaluations often required by major lending institutions.  

¹ This rate is only available to Investors or Owner Tenant individual, company or Trust borrowers with satisfactory most recent 2 years income tax returns and financial statements with a loan to valuation ratio of less than or equal to 75% and a loan size above $200,000. For new applications received after 16/6/2017 but subject to change. Comparison rate above is based on a loan of $200,000 for 20 years. WARNING: The comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in different comparison rates.

Applications are subject to approval. Conditions, fees and charges apply.
Not all lenders lend in every state or territory.

² This rate is only available to Investors or Owner Tenant individual, company or Trust borrowers with satisfactory most recent 2 years income tax returns and financial statements with a loan to valuation ratio of less than or equal to 75% and a loan size above $200,000. Fixed For new applications received after 16/6/2017 but subject to change. The rate shown is relative to a 2 Year Fixed Term. Comparison rate above is based on a loan of $200,000 for 20 years and assumes the loan rate will revert to the current variable rate for loans of $1 million to $3 million at expiry of the fixed rate term. Comparison rates for fixed rates will be lower for loans greater than $200,000. WARNING: The comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in different comparison rates.

Applications are subject to approval. Conditions, fees and charges apply.
Not all lenders lend in every state or territory.

³ This rate is only available to Investors or Owner Tenant individual, company or Trust borrowers with a loan to valuation ratio of less than or equal to 70% and a loan size above $200,000. For new applications received after 18/9/2017 but subject to change.

*Plus one of (A) Supporting accountant’s letter or (B) last two BAS statements or (C) last 6 months of business bank statements.

Applications are subject to approval. Conditions, fees and charges apply.
Not all lenders lend in every state or territory.

LO DOC LOANS


LO DOC LOANS


INTEREST RATE

INTEREST RATE

COMPARISON RATE

COMPARISON RATE

No BAS & No Bank Trading Statements

Variable UP TO 70%¹

  • Owner occupier only
  • LVR up to 70%
  • Conditions, fees & charges apply

INTEREST RATE

INTEREST RATE

COMPARISON RATE

COMPARISON RATE

No BAS & No Bank Trading Statements

VARIABLE UP TO 80%²

  • Owner occupier only
  • LVR 70.01%-80%
  • Conditions, fees & charges apply

INTEREST RATE

INTEREST RATE

COMPARISON RATE

COMPARISON RATE

No BAS & No Bank Trading Statements

INVESTOR VARIABLE
UP TO 80%³

  • Investment LVR 70.01%-80%
  • Conditions, fees & charges apply

We provide a range of flexible solutions that cater to a diverse range of residential borrowers from the self-employed to those who may not meet mainstream lenders credit or income criteria. At Morgan Brooks we take a non-judgmental approach to clients seeking alternate funding solutions and understand each client’s circumstances, goals and objectives are different. It maybe your company financials incorporate one off tax concessions such as carry forward losses. It may be you haven’t filed your tax return but you can support your business revenue with one of an accountant’s declaration, last 6 months BAS or trading bank statements. Whatever your circumstance, it pays to talk with an expert that has over 24 years’ experience in providing successful outcomes for all manner of self employed, individuals, companies or trusts That don’t fit with mainstream lending guidelines.

¹ This rate is only available to self-employed in the same business for a minimum of 24 months confirmed by a valid ABN, with a minimum GST registration of 12 months. Borrowers may be individuals and or their companies or Trusts and secured by owner occupied homes with a loan to valuation ratio of less than or equal to 70% and a loan size above $50,000. For new applications received after 09/10/2017 but subject to change. Comparison rate above is based on a home loan of $150,000 for 25 years. WARNING: The comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in different comparison rates.

Applications are subject to approval. Conditions, fees and charges apply.
Not all lenders lend in every state or territory.

² This rate is only available to self-employed in the same business for a minimum of 24 months confirmed by a valid ABN, with a minimum GST registration of 12 months. Borrowers may be individuals and or their companies or Trusts and secured by owner occupied homes with a loan to valuation ratio of 70.1% to 80% and a loan size above $50,000. For new applications received after 09/10/2017 but subject to change. Comparison rate above is based on a home loan of $150,000 for 25 years. WARNING: The comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in different comparison rates.

Applications are subject to approval. Conditions, fees and charges apply.
Not all lenders lend in every state or territory.

³ This rate is only available to self-employed in the same business for a minimum of 24 months confirmed by a valid ABN, with a minimum GST registration of 12 months. Borrowers may be individuals and or their companies or Trusts and secured by investment homes with a loan to valuation ratio of 70.1% to 80% and a loan size above $50,000. For new applications received after 09/10/2017 but subject to change. Comparison rate above is based on a home loan of $150,000 for 25 years. WARNING: The comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in different comparison rates.

Applications are subject to approval. Conditions, fees and charges apply.

Not all lenders lend in every state or territory.

CONSTRUCTION LOANS


CONSTRUCTION LOANS


INTEREST RATE

INTEREST RATE

COMPARISON RATE

COMPARISON RATE

OWNER OCCUPIED VARIABLE¹

  • Conditions, fess & charges apply

INTEREST RATE

INTEREST RATE

COMPARISON RATE

COMPARISON RATE

INVESTOR VARIABLE²

  • Conditions, fees & charges apply

You’ve decided to build your own home or renovate an existing dwelling and have found a licensed builder to do so. Morgan & Brooks can align you with the perfect construction loan to provide you with the funds to enter into a building contract and make your dreams a reality. Construction loans have the benefit to be advanced on the settlement of the land contract and thereafter progressively drawn down as your builder complete various stages of your home. In the unlikely and unfortunate event your builder encounters difficulties, lenders traditionally retain sufficient funds from your loan during the construction phase to ensure you can complete your dwelling with another builder. Your payments will progressively increase as the loan is fully drawn after which you can choose to fix a portion or all of your fully drawn advance.

1. This rate is only available to owner occupiers with a loan to valuation ratio of less than or equal to 90% and a loan size above $150,000. For new applications received after 09/10/2017 but subject to change. Comparison rate above is based on a home loan of $150,000 for 25 years. WARNING: The comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in different comparison rates.

Applications are subject to approval. Conditions, fees and charges apply.
Not all lenders lend in every state or territory.
2 This rate is only available to investors with a loan to valuation ratio of less than or equal to 80% and a loan size above $200,000. For new applications received after 09/10/2017 but subject to change. Comparison rate above is based on a home loan of $150,000 for 25 years. WARNING: The comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in different comparison rates.

Applications are subject to approval. Conditions, fees and charges apply.
Not all lenders lend in every state or territory.

MOTOR VEHICLE FINANCE


MOTOR VEHICLE FINANCE


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FIXED RATE¹

  • Car Loans
  • Pre-approval
  • Commercial Hire-purchase
  • Chattel Mortgage
  • Low Doc Finance*
  • Private Sale
  • Novated Lease
  • $25,1000-$300,000
  • Conditions, fees & charges apply

Call us on 1800 801 999 for a free, No Obligation assessment of your personal requirements.

If you buy a car from a dealership or car yard, chances are the dealer will offer to arrange finance for you. While dealer finance might seem convenient you may get a better deal shopping around. There are so many variants in financing a vehicle it’s worthwhile talking with an expert that can explain the different options available to you. Remember it’s never about the payment, although important in knowing what you can afford each month, there’s other factors at play such as whether to lease/rent, whether to fully amortise the amount borrowed or have a balloon payment at the end. At Morgan & Brooks we’ll find the right loan that may or may not require financial statements if you’re self-employed. Call us or email info@morganbrooks.com.au

¹Available to Australian Residents, companies and trusts. Personal guarantees are generally required

* Available to Home Owners with Clear Credit, ABN registered for a minimum 12 months and registered for GST
Applications are subject to approval. Conditions, fees and charges apply.
Not all lenders lend in every state or territory.

EQUIPMENT FINANCE


EQUIPMENT FINANCE


EQUIPMENT FINANCE

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  • Success in business often relies on having the right equipment.
  • We suggest you discuss the best method of finance with your accountant to determine GST and tax deductions such as depreciation.
  • There are 3 finance options that allow you to know exactly how much you need to pay for the life of the agreement.
  • Finance Lease – The lender purchases the asset and rent it to you for an agreed period
  • Commercial Loan – You source and own the asset and the lender provides a loan secured by the asset
  • Commercial Hire Purchase – The lender purchases the asset and you buy it from the lender in installment

Whether you chose to lease, take out a commercial loan or hire purchase there are significant benefits that will influence the method of acquiring your particular asset. Once you know the method best suited to your particular circumstance, we’d be delighted to assist you in finding the most competitive product to suit your needs and objectives.

Call us on 1800 801 999 for a free, No Obligation assessment of your personal requirements.

WEEKLY RATE UPDATES


WEEKLY RATE UPDATES


 

stay up to date ON rates

Rates continuously move and our weekly rate table update allows you to stay informed about how your current loan rates compare. Staying up to date with market rates may enable you to make decisions on your current lending circumstances.

 
 

CONTACT US


CONTACT US


 
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We would love to chat to you about any of your loan or finance needs. Please send us a message and our team will get back to you. 

Free Call: 1800 801 999
Email: info@morganbrooks.com.au
Address: 9 Waterside Place, Docklands VIC 3008
37° 49' S 144° 56' E

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