What If You Had One Solution For All Your Finance Needs?

Well Now You Do!

At RedCap Finance Brokers we are committed to the success of our clients, and can assist them through the entire process!

REDCAP Finance Brokers

Helping You To Get The Loan Of Your Dreams - To Get The Money Required & Make That Money Work For You!

Are you Ready?

ALL OUR FINANCE SOLUTIONS ARE BESPOKE – THEY ARE TAILORED TO SUIT EACH CLIENT

Your Need + Our Expertise.

Our team is committed to strategies that not only define success, but make the process of understanding what the Lender Needs and What you the borrower wants - EZ!

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Considering Building a New Home or thinking about rebuilding with the new Government home builders grant?

Contact RedCap Finance Brokers who alongside our panel of experts, to find out: 

  • How to own your first home with as little as a $1,000 deposit upfront;
  • Use the $15,000 First Home Owners' Grant with your deposit (if applicable);
  • Use the $25,000 HomeBuilder Initiative to build your new home; 
  • Find out what your borrowing capacity is; and
  • Find out what your credit score is. 
Find Out Now - With RedCap Finance Brokers

Meeting with a RedCap Mortgage & Finance Broker

  • Bring your list of must-haves and nice-to-haves in your loan product.
  • Ask questions. Lots of them. Get the broker to explain how each loan option works, what it costs and why this feature was recommended to you. If you are not happy with any option, ask the broker to find a more suitable alternative.
  • You don't have to take the first loan you're offered. You may have a preference for a particular lender, such as your current bank. Ask to see loans from other lenders as well, so you can compare.
  • A home loan is a long-term debt, so even a small difference in interest adds up over time. If you can get a lower interest rate from another lender, you could save thousands of dollars.

Get a written quote from your RedCap finance broker

A written quote tells you the:

  • type of loan
  • loan amount
  • loan term (duration)
  • current interest rate at time of application
  • fees you have to pay (for example:- broker's fee, loan application fee, ongoing fees, lender clawback fees, or any third party fees.

  • Make sure you are comfortable with what you're agreeing to! AND more importantly - that you understand what you are agreeing to! If you feel that you are not fully informed, then... Ask more questions of your RedCap Finance Broker if there's anything you are not sure about.
  • Never sign blank forms or leave details for the broker to fill in later.
  • If you feel you're being pressured into signing a binding agreement on a particular loan product - STOP, ask for more time to think about the decision you are about to make, or simply ask if another broker is available to assist you going forward.

Applying for the right loan

Choosing a home loan

When looking for a good deal on a home loan (mortgage), the interest rate matters. A home loan is a long-term debt, so even a small difference in interest adds up to a lot over time, conversely a loan that suits your purposes better - that is at a higher interest rate, paid over a shorter period may in fact actually cost you less. this is why it is important to apply for the right loan product for your situation.

Most Lenders offer Home loans with different options and features. These can offer flexibility or let you pay off your loan faster. Some options could cost you more, so make sure the feature offered to you is actually worth the extra cost.

Extra Mortgage features & frills may come at a cost to you

Home loans with more options (frills) or features can come at a higher cost. These could include an offset account, redraw, or line of credit facilities. Most are ways of putting extra money into your loan to reduce the amount of interest you pay.

Get the shortest loan term you can comfortably afford to repay

Your loan term is how long it will take for you to pay off the loan. It impacts the size of your mortgage repayments and how much interest you'll ultimately pay.

A shorter loan term (for example, 15 years) means higher repayments, but you'll pay a lot less in interest.

A longer loan term (for example, 40 years) means lower repayments, but you'll pay a lot more in interest.

Aim for the loan with the lowest interest rate that suits your purposes

An interest rate even 0.5% lower could save you thousands of dollars over time.

Contact Us Here for More Information

BUSINESS LOANS - Secured & Unsecured

Fast Flexible SECURED Business Funding

Are You A business owner who needs immediate access to funds?

You simply can’t wait the 6 – 8 weeks that a bank or traditional lender takes, as you urgently need to get your hands on $20,000 up to $2m, by tomorrow.

Plus, what if you don’t have financial records, or you have a bad credit history? Then a short term business loan may be the answer for you.

Fast. Easy. Efficient. Loans for Business.

SHORT TERM BUSINESS LOANS are generally taken out by people who need access to funds very quickly (over a short time of generally no longer than 1 – 10 months). Money is lent for any worthwhile commercial or commercial investment purpose.

 12 Month 2nd MORTGAGES are a 12 month ‘interest only’ business loan. These are prefect if you need more time than our short term loan has to offer, but you don’t want the financial burden of paying principal & interest.

In addition, we are one of the only short term lenders who will lend money on property located anywhere in Australia and New Zealand.

FAST SECURED LOANS APPLY HERE

UNSECURED Business Loans

What is an unsecured business loan?

Many business owners need to secure a business loan to get them started, or to purchase equipment that will help their business grow sustainably.

There are plenty of reasons why people apply for an unsecured business loans. If you’re reading this, chances are you’ve decided a business loan could be right for you. 

But what kind of business loan should you apply for? We’ve taken a moment to dig deeper into the world of unsecured business loans.

Is an unsecured business loan right for me?

An unsecured loan tends to suit business owners who do not have collateral to leverage against a secured business loan. However, if you are needing to apply for an unsecured business loan - they do attract higher interest rates; as lenders perceive unsecured loans to be a greater risk for them. (Increased rate for increased risk)

If a borrower does default on an unsecured loan, the lender cannot seize property (or any other asset) to recoup their lost funds. This is why higher interest rates apply to loans that are unsecured. 

This doesn’t mean unsecured business loans have no good use. Business owners who are experiencing cash flow issues may secure small amounts of funding to help keep the wheels of their business turning.

Rather than applying for a large amount of up to $500,000, business owners can consider securing smaller loans to cover things like purchasing stock, ordering, supplier debts, or even paying wages.

These smaller unsecured loans are ideal when cash is expected, but hasn’t come in yet, as these funds can be promptly applied to payout your loan repayment when the funds do enter the business. 

Many businesses find this to be a good way to deal with cash flow issues. 

Unsecured Business Loans Inquire Here

How to work with a broker to get a better home loan or finance deal!

With many lenders to choose from, you may decide to get help from a mortgage & finance broker.

Ask the right questions to get a home loan or finance deal that meets your needs and is value for money.

A good broker works with you to:

  • Understand YOUR needs and goals.
  • Work out what you can comfortably afford to borrow.
  • Find "not unsuitable" options that will meet the criteria of your situation.
  • Explain how each loan works and what it costs (for example, interest rate, features, and fees).
  • Once you have chosen your loan product, a RedCap Finance Broker will assist you to apply for that loan and manage the process through to settlement.