Services
• Property Finance • Debt Consolidation • Business & Commercial • Specialist Lending • My Protection Plan
1. Property Finance
Whether you wish to purchase an established home, investment property or intending to construct your dream home.
What would an extra amount in savings mean for you each week?
Are you in the market looking to purchase an established home or intending to construct the home you've always wanted? I can help you achieve your home goals by asking relevant questions to determine your plans and intentions.
Perhaps you are a first home buyer and need the right guidance and suggestions to help finding and funding your first home? Will gladly help you as I understand the huge investment and step that you're taking. The most sensitive debt one could ever decide to take - the home loan.
Or are you thinking: "Am I with the right home lender at this moment?"
Often people are with their existing home loan lender for many years and don't have the time to review it. You may not realize that it may actually be costing you more in extra interest and repayments monthly. Do you know how much it's costing you?
It only takes a few minutes to get a "home loan health check” completed - one that could save you a lot of money. It is easy to refinance and the benefit of saving in interest will go a long way (less interest charged, time saved in paying off your loan - even years!). There are a few strategies that one could use to maximize the structure of a home loan where it works to your advantage. I would be glad to show you how.
Have you considered using the equity in your home and using that equity to purchase an additional investment property, thereby saving on tax and increasing your property portfolio? Easy to see if you qualify.
2. Debt Consolidation
Bundle your debts to save on interest & maximise your savings. Let’s talk you through the available options.
Benefits of Debt Consolidation:
• Save a lot of money on interest charges.
• Reduce your payments significantly.
• Lower your total debt and interest rate.
• Have the one single repayment to cover all your debt, saving you $$$ & worry.
We can set up a structured repayment option for you as an affordable way to significantly reduce the amount you owe over time.
By consolidating your debt say onto your home loan - you pay the lower home loan interest rate which will be much lower than that of your credit card or personal loan. Finally, you could be well on your way to financial freedom. Wouldn't that be nice?
Please contact me if you have high interest rate credit card balances or a few personal loans and you find the repayments are impacting your financial freedom.
3. Business & Commercial
If you’re exploring the idea of running your own business, step into the commercial side of things, or after short term funds to manage cash flow.
We can discuss your scenario and needs, what you are intending to do, the purpose of the funds, and we will do our best to help you find a solution.
It's that simple.
• You may be eligible to borrow up to $100k with no security required.
• If your business has a turnover of more than $6,000 per month and are able to demonstrate 6 months of trading for a new business or 3 months if you’ve purchased an existing business, let us know.
• We are accredited with some of the most trusted brands in the commercial space, so you will be looked after and peace of mind knowing that you are dealing with a known and trusted brand.
4. Specialist Lending
If you do not fit the normal lending criteria & your preferred bank has said no, or perhaps your credit is impaired.
Specialist Lending - the alternative solution:
At every life stage that we can have experiences that sometimes have an adverse effect on our ability to maintain credit. Perhaps it was a business that due to cash flow problems had to be closed down and affected your file because you were listed as a director. There are a number of reasons that can affect a person's lifestyle and their ability to maintain credit. Whilst most banks are heavily based on credit scoring (which is one way of saying the computer makes an initial decision) what about the story and the factors that surrounded a person's credit impairment? It's hard to get past the understanding and logic of a computer - it does not and will not understand.
If you have some of the following on your credit file or history:
a. Part IX Agreement / Bankruptcy
b. Paid or Unpaid Defaults
c. Poor Credit Report
Let us discuss your scenario - everyone has a story and we will do our best to support and mitigate this to a specialist lender that understands and cares enough to give you a fresh opportunity. We have helped many clients in this situation. Everyone deserves a new start.
Just because the well-known banks have said no, don’t give up. Get in touch and I will do my best to help you find an alternative solution.
The good news is, we may be able to help.
5. A life insurance policy just for homebuyers
It’s safe to assume that our standard of living, health and family are important to us. However, there are certain events, such as serious illness or injury, which can put your home, lifestyle and future plans at risk.
Save with Ian’s services extend beyond just helping you find the right loan. It’s also about helping you understand the risks of borrowing. We have a solution which may help you manage those risks and could provide you and your loved ones financial assistance when you need it the most. The payout could help with things like living expenses, medical costs, and your mortgage repayments.
To learn more about this potential insurance solution click here. Or contact us today.
Who are ALI Group?
ALI Group is a market leader in protecting Australian home and property buyers from financial hardship.
Since 2003 we've protected more than 236,000 Australians with over $66 billion in cover (current as at January 2024).
Our products pay the borrower or their estate directly – allowing them to choose how to use their funds.
While we may offer a 'boutique' service, we're backed by Zurich Australia – a global and local insurer. So, you get the best of both worlds.
IMPORTANT INFORMATION: My Protection Plan is issued by Zurich Australia Limited ABN 92 000 010 195 AFSL 232510. It is distributed by Australian Life Insurance Distribution Pty Ltd ABN 31 103 157 811 AFSL 226403 (ALI). ALI’s AFS licence authorises the provision of general financial product advice only. This means that any advice provided to you by ALI and its representatives (including mortgage brokers appointed as its authorised representatives) in relation to My Protection Plan does not take into consideration your personal objectives, financial situation and needs, or any information held as a result of the provision of credit assistance by your mortgage broker relating to your home loan or other loans. Whilst the initial My Protection Plan quote you received was based on your loan amount, we are not recommending that this product nor any specific cover amount is personally suited to you and your circumstances. You should consider the combined Product Disclosure Statement and Policy Document (PDS) when deciding if this product is appropriate for you. You may also wish to review the Target Market Determination (TMD) which describes the objectives, financial situation and needs we have designed the product to meet. The PDS and TMD are available at aligroup.com.au. If you require advice specific to your circumstances, you should speak to a financial adviser. © ALI Group 2021