EVERY EZFinance Accredited Advisor Guarantees to give you CREDIT ADVICE that is in Your Best Interest - PERIOD!
ALL OUR FINANCE SOLUTIONS ARE TAILORED TO SUIT EACH OF OUR CLIENTS
Your Need + Our Credit Advice 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!
We help get you the best loan for your needs!
Many people shop around for a loan with the lowest interest rate - But this loan may not be in your best interest - in fact it may actually harm your future plans!
As FINANCE BROKERS... We help you search for the right loan that best suits your needs from over 120 lenders in the marketplace.
Contact RedCap Finance Brokers who alongside our panel of experts, to find out:
After doing a comprehensive fact find and initial assessment, your RedCap Finance Broker will give you a Written Quote - BEFORE you sign a lenders application for a loan.
A written quote tells you the:
BEFORE SIGNING ANY FORMAL DOCUMENTATION...
When looking for a good deal on a home loan (mortgage), for some people - the interest rate matters the most! A home loan is a long-term debt, so even a small difference in interest adds up to a lot over time (especially if only paying the minimum repayment amount over the full term period); conversely a loan that suits your purposes better (even if it 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 that is most suitable for your individual situation.
Most Lenders offer Home loans with different options and features. Some of these products can offer payment flexibility to let you pay off your loan faster. Some product options could cost you more! Make sure the lender's product feature/s offered to you are actually worth the extra cost.
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.
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.
An interest rate even 0.5% lower might save you thousands of dollars over time - it all depends on how you conduct your repayment responsibilities.
EZFinance Pty Ltd (ACN: 140178383 - ACL: 392611) and it's authorized Advisors are fully qualified to give advice and assist with all/any consumer lending. EZFinance Pty Ltd is a member of AFCA
EZFinance Commercial Pty Ltd (ACN: 639833604) and it's authorized advisors are fully qualified to give advice and assist with all/any Commercial / Business lending. EZFinance Commercial Pty Ltd only advise and assist with "Non-Coded" finance (as described in the NCCP act 2009*) and are not a member of AFCA.
*National Consumer Credit Protection Act (NCCP)
Allan Pearson is a proud member (M-330095) of the (FBAA) Finance Brokers Association of Australia Limited.
Redcap Finance Brokers
1. In the First Instance - Please Contact RedCap Finance Brokers direct on 07 3102 4772 to discuss your matter, then...
2. If you feel the issue has not been resolved to your satisfaction within 5 business days, then please contact our Licensee's internal dispute resolution manager:
Attention: EZFinance Complaints Dept
Level 3, 169 Fullarton Road,
Dulwich SA 5065
Phone: 1300 727 909
NCCP Act CODED LOANS ONLY*
We aim to reach a satisfactory outcome for any complaints.
If you are still unsatisfied after dealing with EZFinance's Internal Dispute Resolution Process and their decision, you can then contact the Australian Financial Complaints Authority (AFCA) using the details below:
Please Note: - There is NO applicable AFCA membership held by us in relation to NCCP Act: NON-CODED Loans: i.e. commercial credit products and/or unregulated loans.