Extra Work – Centrum Finance

Debt Consolidation Home Loan
Refinancing Home Loan
Bridging Loan

Loans for First Home Buyers

Acquire your first property with the support of federal initiatives like the First Home Guarantee and First Home Owner Grant schemes.

Owner-Occupied Loans

Work with a Centrum specialist to access individualised rates and features that align with your financial objectives.

Investment Home Loans

Add a property to your portfolio with an investment home loan. Find out how our strategic approach can support your financial goals.

First Home buyers
Next Home buyers (Upgrade)
Investment Home Loans

Home Loan Refinancing

Reduce repayments and access better conditions. Our specialists can help you refinance with over 40 lenders – the diversity you need to make the most of your improved financial situation.

Guarantor Home Loans

Enter the property market with the financial backing of a family member. A guarantor home loan can help you borrow up to 100% of a property’s value – without paying LMI.

Loan Consolidation

Reduce your repayments by consolidating other debt – like credit card debt or vehicle financing – into your lower-interest home loan.

Waived LMI Professional Package
Rebuild Your Credit Loan
Low Deposit Loans

Waived LMI Professional Package

Qualified professionals can avoid paying LMI and save money on your mortgage repayments when purchasing a property. Our experienced team of brokers will work with you to find the best solution tailored to your unique needs. Along with waiving LMI, our Professional Package offers additional benefits like discounted interest rates and a dedicated relationship manager, ensuring the best service and support throughout your loan journey.

Rebuild Your Credit Loan

If you’ve defaulted on a loan due to unforeseen circumstances, we are here to help you recover. We understand that financial hardship can be challenging, but our team of professionals is committed to finding a solution that works for you. We offer a range of options to help you regain financial stability, including debt consolidation, loan restructuring, and tailor fit payment plans. Our team will work with you every step of the way to help you get back on track.

Low Deposit Loans

Do you dream of buying a home but are struggling to save up for a big deposit? Our Low Deposit Loans can make your dream a reality. With as little as a 5% deposit, you can buy the home you’ve been dreaming of. We partner with a wide range of lenders to offer flexible terms and competitive rates, so you can choose a loan that suits your unique needs. Our friendly team is here to support you every step of the way, no matter where you are in life.

Guarantor Loans
Land and Construction Loans
Expat Loans

Guarantor Loans

Do you have a limited credit history and find it hard to get approved for a loan? A Guarantor Loan can help. With a family member or friend acting as a guarantor, you increase your chances of loan approval and lower interest rates. Our expert brokers understand that every financial situation is different, and we will work with you to find the best loan that fits your needs.

Land and Construction Loans

Looking to build your dream home? Our Land and Construction Loans can help make it a reality. With our financing options, you can purchase land and start construction with just one loan. Our experienced team of brokers will guide you through the entire process. We offer flexible financing options to meet your needs, whether you’re looking for a fixed or variable rate loan.

Expat Loans

Living abroad and dreaming of owning property? Our Expat Loans can make it happen. We offer a range of flexible financing options so you can invest in your future with confidence. Our experienced team of brokers will work with you to find a loan that meets your unique needs and budget, whether you’re looking to purchase an investment property or a home for yourself and your family. We understand that living overseas can be complex, which is why we strive to make the loan process as easy and straightforward as possible.

Looking for more information

Frequently Asked Questions

What is an SMSF loan?

A loan used by a self-managed super fund (SMSF) to purchase an investment property. The SMSF borrows money from a lender and uses the funds to purchase the property. The property is then owned by the SMSF and the rental income and capital gains from the property go directly to the fund.

What are the eligibility criteria for an SMSF loan?

To be eligible for an SMSF loan, the SMSF must meet a certain financial criteria including the property being purchased. The trustees must also be able to demonstrate that the property is a suitable investment for the fund and that the loan can be repaid from the its income and assets.

What are the interest rates for SMSF loans?

Interest rates for SMSF loans can vary depending on the lender and the specific loan product. SMSF loans tend to have higher interest rates than traditional loans due to the increased risk involved with lending to a super fund.

How much can an SMSF borrow for a property?

The amount that an SMSF can borrow for a property will depend on a number of factors, including the value of the property, the SMSF’s assets and income, and the lender’s lending criteria.

What are the risks of SMSF loans?

Risks include the potential for the property to decrease in value, the possibility of the SMSF not being able to repay the loan, and the risk of breaching superannuation and taxation laws. It’s important for trustees to seek professional advice before taking out an SMSF loan to ensure they understand these risks and are making an informed decision.

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Business Equipment Financing

Investing in best commercial equipment is key to business success. Solutions at fingertips for the tools required for sustainable growth.

Chattel Mortgage

Enables you to purchase an asset with financed asset considered as security. If you are a property owner and running business for more than 2 years, there is no financials required for up to $150,000*. (Conditions apply)

Debtor Finance & Cashflow Lending/Working Capital Finance

Improve your cash flow by turning your unpaid invoices into cash. Required short term cash boost for your business, our innovative financing solutions allow you to access immediate funding to keep your business running smoothly and efficiently with options to pay without incurring any penalties

Commercial Hire Purchase

In simple words, commercial hire purchase is hiring an asset with intention to purchase. The lender permits you to use the vehicle and once borrowed money has been paid, the possession of asset passes to you.

Why invest in SMSF?

Consolidate your existing debts.

Flexibility

You can tailor your investment strategy to suit your individual needs and circumstances.

Tax advantages

Can provide significant tax advantages, like the ability to claim deductions and control the timing of when benefits are paid.

Estate planning

Allow you to control the distribution of your superannuation benefits after your passing.

Many options

SMSFs offer a wide range of investment options, including direct property investments.

Transparency

You have full visibility of your fund's investments and performance, which can provide peace of mind.

WHAT DO I NEED TO APPLY

Personal details
Information on your source of income
An account of your expenses
Your credit history
Supporting documentation for verification