Mortgage Services

Crofts Mortgage Services are your corporate, business, equipment and residential finance experts. Discover the benefits of using a highly skilled business to deliver the optimum result for your specific financing needs, and take advantage of our access to numerous banks and specialist financiers.

COMMERCIAL

• Property: For the purchase of commercial property for owner occupied premises, warehouse, depot and investment purposes
• Developments: For the construction of commercial premises, warehouse or depot or the development of an investment property
• Mergers & Acquisitions: For the purchase of a business, management buyouts or the merger of another business
• Refinance: The review and refinance of existing facilities to potentially improve costs and security structure

RESIDENTIAL

• New home loans including first home buyers: Purchase of new owner occupied homes
• Investment properties: Purchase of residential investment properties
• Low Doc Loans: For self-employed residential owner occupied and investment purchases where the applicant has not completed their last tax return but can evidence their ability to repay the proposed loan
• Deposit Bonds: For the deposit requirement on a proposed residential property purchase
• Refinance: The review and refinance of existing owner occupied and investment home loans to potentially improve costs and security structures

EQUIPMENT

• Hire Purchase: A finance product where a business hires the equipment from the financier and then purchases the equipment at the end of the term for a fixed amount
• Finance Lease: A finance product which enables a business to have the use of commercial equipment at the time of entering the arrangement and some of the benefits of ownership, while the financier retains the actual ownership of the asset
• Chattel Mortgage: A finance product where a business takes ownership of the equipment it finances at the time of purchase
• Operating Lease: A rental product that enables a business to rent equipment for a fixed term to match the requirements of its clients' needs or the life of the equipment. This can be provided on a maintained or non-maintained basis
• Novated Lease: Salary packaging of a car, whereby the employee leases the vehicle and the employer agrees to take on the employee's obligations under the lease, paying the monthly lease rentals from the employee's pre-tax income whilst they remain employed. This can be provided on a maintained or non-maintained basis
• Rent to Buy: A rental product that enables a business to rent equipment for a fixed term to match the requirements of its clients' needs or the life of the equipment with a fixed purchase price at the end of the term of the rental arrangement. This can be provided on a maintained or non-maintained basis

CASH FLOW

• Debtor Finance: Undisclosed and disclosed finance facility up to 80% of debtors to support the working capital requirements of a business which has debtors and provides terms to those debtors
• Overdraft: Fixed facility limit for working capital generally secured by business and/or property assets
• Insurance Premium Funding: A cost effective way to spread your annual insurance premium expense over a pay by the month system. This can be provided for cancellable and non-cancellable policies
• Trade Finance: To finance the import of inventory in line with a business' payment terms

SELF-MANAGED SUPER FUNDS LOANS

• Residential: To finance the purchase of a residential investment property for a self-managed super fund up to 80% of the purchase price of the property
• Commercial: To finance the purchase of a commercial investment property for a self-managed super fund up to 70% of the purchase price of the property