Sat, 21 Oct 2017 19:12:50 +0000 Sat, 21 Oct 2017 19:12:50 +0000 [alphalend] http://www.alphalend.com.au/rss_feed.htm <![CDATA[home loan]]> http://www.alphalend.com.au/home_loan.htm alphaLEND helps people across Australia and abroad find the right loan product, loan structure and loan conditions to best suit their needs, managing the entire application, approval and settlement process from start to finish.

alphaLEND representatives are highly trained experts in all facets of finance, ensuring your needs are met in a timely and professional manner and your application is given every possible chance of a successful outcome.

 

 

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http://www.alphalend.com.au/home_loan.htm <![CDATA[home loan]]> http://www.alphalend.com.au/home_loan.htm
<![CDATA[services investment]]> http://www.alphalend.com.au/services_investment.htm alphaLEND was formed by company director and principal loan writer, Nick Cappelleri.

Using the services and products of Australian Finance Group as well as direct accreditation with various panel lenders, alphaLEND specialises in home mortgage finance, commercial finance, leasing, hire purchase, personal and car finance. 

alphaLEND head office is located on Queensland’s Gold Coast; however our consultants have extensive experience in servicing our client’s needs across all states and territories of Australia as well as New Zealand.

To remain abreast of industry changes, alphaLEND is continually enhancing its product suite and range of services, to ensure that we have access to the best loans available.  This allows alphaLEND to continue to meet the diverse needs of all of our customers, as we individually assess each product against our customer’s individual circumstances.   

With a market ranging from first home buyers to elderly retirees, alphaLEND will assist in a professional, timely and result drive manner, using ethics and standards that are well above industry expectations...................

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<![CDATA[services commercial]]> http://www.alphalend.com.au/services_commercial.htm "I have used Nick from alphaLEND twice. Once to purchase my house, and again to refinance. Nick was an unbelievable help as I had no idea how to go about these dealings. He took care of the whole deal even communicating with real estate and conveyances. I would not have been able to finalise my house without him."

P.Sharplin – Gold Coast

"My husband and I found the perfect house and wanted to purchase, however we hadn't sold our current property and therefore needed bridging finance to be able to buy. We contacted Nick Cappelleri from alphaLEND and told him what we wanted to do. Nick explained the process we would needed to go through and kept us informed of the progress of our application from beginning to end so we always knew what was happening. Within two weeks we had finance. Nick was always professional, helpful and available for us whenever we needed him and worked tirelessly to get our finance for us. I would recommend Nick Cappelleri and alphaLEND to anyone looking to obtain finance.”

Lesley & Mark Hay

"I can't thank Nick from AlphaLend enough. He made a particulary distressing time for me so much easier. Just one visit to his office and we had a plan, within two weeks the plan was implemented. All financial matters were addressed and fixed, when I believed initially there was no hope to fix my financial woes."

Gail Bates

"Tony Lambert has arranged finance for the last six houses that we have purchased. We first approached Tony when the Banks knocked us back for finance, even though we both worked full time, Tony organised finance the next day. We then went on to purchase another investment house within six months and since 2002 have purchased four houses all without any stress thanks to Tony. We trust Tony 100% and would recommend him to anybody who is looking for finance, and believe me; if Tony can't get your finance organised, NO ONE can!"

J &L Quinn, Mt Tamborine, QLD 

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<![CDATA[services homedeposit]]> http://www.alphalend.com.au/services_homedeposit.htm alphaLEND is very active in the local community; some of our recent initiatives are assisting schools with the purchasing of computers and sports equipment.  We also sponsor local sporting team and generously donate and participate in charity events.

If you would like to apply for a sponsorship,Please Contact us at enquiries@alphalend.com.au


 

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<![CDATA[services personal]]> http://www.alphalend.com.au/services_personal.htm  

Best Mortgage Planning Solution

alphaLEND is a national mortgage & finance company that specialises in assisting individuals, families and

businesses in obtaining the best possible finance  and mortgage planning solution for their needs.

IS alphaLEND THE LENDER?
No, alphaLEND is the broker; therefore we act on behalf of the borrower and ensure the best interests of the borrower are met.  We are accredited with approximately 40 different banks and lending institutions, including all the major banks, giving us access to hundreds of different loans.
 
HOW CAN alphaLEND HELP SAVE ME MONEY?
All alphaLEND representatives are highly trained experts in the area of finance & lending.  This, combined with strong lender relationships and access to hundreds of loans, allows us to achieve the best possible product, interest rate and loan structure for our customers.  In many cases, alphaLEND can improve the interest rate and/or conditions of a loan, consequently saving thousands in interest and cutting years off the life of the loan.

HOW CAN alphaLEND HELP MY CHANCES OF GETTING A LOAN?
Not everyone fits the traditional lending guidelines of standard banks.  alphaLEND has access to hundreds of alternatives to ensure the best possible chance of a loan approval.  We can assist customers with poor credit history, no financials, short term employment, no deposit and more.  Our experience and knowledge provides you confidence in achieving a successful outcome.

HOW MUCH DOES THE SERVICE COST?
Nothing.  There is no upfront fee payable to alphaLEND for our service.  We are paid by the lender.  So unlike any other professional service, we work hard for you but get paid by someone else!

WHEN SHOULD I USE alphaLEND’S SERVICES?
alphaLEND can assist in all areas of finance & lending, the most popular being home loans & mortgages.  Other alphaLEND specialties include investment loans, business loans, car & equipment leasing and personal finance.
alphaLEND representatives are mobile and will come to you, day or night. 
You should use alphaLEND’s services when;

  • Purchasing a property
  • Loan switching or refinancing to a better loan
  • Debt consolidating
  • Renovating
  • Purchasing investment property
  • Requiring business finance
  • you have any mortgage / loan needs

HOW DO I FIND OUT MORE?....   Click here to find out more

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<![CDATA[services equipment]]> http://www.alphalend.com.au/services_equipment.htm Nick Cappelleri

Nick Cappelleri - PH: 0438 850 481

With experience in General Insurance, Business Management and Accounting, Nick moved into the area of Finance Broking in 2002.  After operating as a successful loan writer for one of Australia’s largest broker firms, Nick then assisted in the creation of a dedicated mortgage broking arm of a reputable, Brisbane based, Financial Services Company.

During this time, Nick was listed in the MPA top 100 brokers in Australia and has input to industry leaders on the needs of finance brokers, and the types of products that would benefit the current finance market.

In 2006, Nick created his own operation known as alphaLEND which has continued to grow from strength to strength.
 


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<![CDATA[services construction]]> http://www.alphalend.com.au/services_construction.htm Employment Opportunities with alphaLEND:

Short Term Business Loan Consultant

As a rapidly expanding financial services company, alphaLEND is always on the lookout for experienced consultants to join our team.

If you have at least two years experience and are looking to join a team of professional brokers please contact us by email to further investigate the benefits of being part of the alphaLEND team.

Some of these benefits include:

  • Established Brand
  • Lead Generation
  • Marketing Support
  • Team Support
  • Collective Knowledge
  • Mentoring Program

Please don’t hesitate to contact us today...

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<![CDATA[services shortterm]]> http://www.alphalend.com.au/services_shortterm.htm

Head Office

Phone Direct 0438 850 481

Local Phone: 07 5534 8000

Fax: 07 5534 8004

Postal Address:
PO Box 4236
Elanora QLD 4221

Email: enquiries@alphalend.com.au

Nick Cappelleri

Manager

Mobile: 0438 850 481

Fax: 07 5534 8004

Postal Address:
PO Box 4236
Elanora QLD 4221

Email: nick@alphalend.com.au

 

 
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<![CDATA[home renovation loan]]> http://www.alphalend.com.au/home-renovation-loan.htm Australian Finance Group (AFG) Privacy Form

alphaLEND Privacy Consent

Application Process

Lenders Mortgage Insurance

Life and Income Insurance Warning

Personal Information Questionnarre

QLD Statutory Declaration

alphaLEND Application

alphaLEND Personal Loan Application

Deposit Power Short Term Guarantee Application

Generic Discharge

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<![CDATA[property development loan]]> http://www.alphalend.com.au/property-development-loan.htm Glossary of commonly used Terms & Language
 

AAPR

Average Annualised Percentage Rate. Sometimes referred to as the Compulsory Comparison Rate, this figure takes into account the other costs associated with the loan etc, and expresses them as an average interest rate, to create a level field with which to compare like loan product interest rates.
 

Acceptance

Agree to the terms of an offer or contract.
 

Additional repayment

Extra funds paid into the loan in addition to the minimum monthly payments.
 

Agent

Real Estate Agent
 

Amortisation period

The period of time a loan is calculated over (and repaid).
 

Application fee

The fee charged by a lender to cover or partially cover the lender's costs of setting up or establishing the loan.
 

Arrears

An overdue account yet to be paid.
 

Assets

Money, property or goods owned.
 

Asset Lender

Lending institution that lends finance based on the value of the asset, which will be held as security.
 

Assignment

Legal transference of a right or a title to a property, to another party.
 

Banker's Lien

The right of a Bank to retain a customer's securities until a liability to the Bank is discharged. (See also 'General Lien').
 

Bankruptcy

The legal financial state and individual is in, when unable to meet debts (for Companies it's known as being 'wound up'). A debtor may be declared bankrupt by the Federal Court at either the debtors or the creditors instigation, and the debtors estate will be placed in the hands of an official receiver who will distribute the estate in accordance to the provisions of the Bankruptcy Act.
 

BayCorp Advantage

The company which records and holds credit information on everyone, such as loan applications, credit defaults, and so on. Was originally known as CRAA, and may often be referred to as the 'CRAA Check'.
 

Borrower

A person, persons, or entity borrowing money to purchase, payoff, or refinance a product or effect.
 

Buyer's Agent

Person to act on behalf of the buyer to find and negotiate on properties the buyer wishes to buy.
 

Capital

A notice of warning given to a public authority, e.g. Titles Office, claiming entitlement to an interest in certain land. The caveat is registered and remains on the books as a warning to anyone who contemplates dealing with the property. It therefore prevents any action being taken without the previous notice of the person entering the caveat (the caveator).
 

Charge (over property)

The term used to describe any right established over a borrower's property to secure a debt or performance of an obligation.
 

Collateral Security

Additional or supporting security given in addition to the principal security.
 

Comparison Rates Schedule (CRS)

Or CCR, is the figure expressed an interest rate, that takes into account some of the extra costs of a loan product. The formula used to calculate the CCR is regulated by the Uniform Consumer Credit Code and all Australian lenders are required to use the same formula.
 

 

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Consumer Credit Code

Legislation designed to protect the rights of the individual (personal consumer) by ensuring banks and other financial institutions all adhere to the same rules when providing personal, domestic or household credit. It should provide borrowers with complete and honest information. Also known as the Uniform Consumer Credit Code or UCCC.
 

Contract of Sale

A written agreement outlining the terms and conditions for the purchase or sale of property.
 

Conveyancing

The legal process for the transferral of ownership of real estate
 

COSL

Credit Ombudsman Service Limited. Formerly known as MIOS (Mortgage Industry Ombudsman Service).
 

CRS

Comparison Rate Schedule. The schedule displayed by a lender that give the annual percentage rate and the respective Comparison Rate, for the lender's loan products for specific amounts over specific terms.
 

Daily Interest

Interest calculated on a daily basis - varies according to daily account balance.
 

Debtor

Someone who owes money to another and can be compelled to perform an obligation.
 

 Deed

A document in writing, which is signed, sealed and delivered by the parties thereto, to prove and testify the agreement of the parties whose deed it is, to the things contained in the deed.
 

Depreciation

The accounting practice where the cost of a fixed asset of a business is spread over the life of the asset. Depreciation is a non-cash expense which allows the money to be retained by the business, thus technically allowing the business the capacity to replace the asset over time.
 

Direct Debit

Where the Lender debits (deducts) a payment from client's bank, credit union or building society account.
 

Disbursements

Solicitors incidental costs involved when dealing with client on behalf of the Lender, e.g. searches, certificates pest reports, etc.
 

Draw Down

Act of transferring money from lending institution to the borrower after the loan has settled.
 

DSR

Debt Service Ratio.
 

Encumbrance

A charge or liability, e.g. a mortgage.
 

Equity

Generally used to denote the financial interest of a person in a property or business enterprise, e.g. a person's equity in his house is the difference between its value and the amount still owed to a Lender. A person's overall equity refers to his net financial worth, or the difference between what he owns and what he owes (i.e. Assets - Liabilities = Equity).
 

Estate

An interest in land.
 

Exchange

The legal point of time when the vendor and the buyer swap documentation with a view to settlement.
 

Fee Simple

The estate in fee simple is the highest estate in the land, and it is the closest the law comes to recognising absolute ownership for all practical purposes. However, while we refer to a proprietor of an estate in fee simple (who is the owner for all practical purposes), their ownership is not legally absolute, for absolute legal ownership of all and rest with the Crown.
 

 Fittings

Items that can be removed from a property without causing damage to it eg, carpet and curtains.
 

Fixed Interest (Fixed Rate)

An interest rate set for an agreed term.
 

Fixtures

Items that would cause damage to the property if removed. Their removal must be stipulated in the contract of sale, and damage made good by the seller eg. Oven and bath etc.
 

 

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Garnishee Order

A court order taken out by a creditor on a person's employer or banker for the deduction of funds from his wages or bank account to repay a debt.
 

General Law System

System whereby all dealings on a property are made in the form of conveyances, whether the transaction is a sale, a mortgage, a reconveyance, etc. Under this system the mortgage is in fact a transfer of ownership. When a conveyance is prepared it forms part of the chain of title and must be carefully preserved in order to prove the "root? to title.
 

General Lien

Sets out in writing the Bank's right to retain property until a debt is paid. Includes Power of Attorney and other clauses generally contained in Bank security forms.
 

Government Fees

State and government charges at the time of settlement, e.g. stamp duty.
 

Gross Income/Profit

Income from a person or company, before tax, superannuation or payroll deductions.
 

Guarantor

A person/s who agree to be responsible for the payment of another person's debts.
 

Holding Deposit

A refundable deposit based on the goodwill of the buyer to go ahead with the purchase.
 

Indemnity

Security against damage or loss; sum paid in compensation for loss incurred.
 

Instrument

Formal legal document in writing, e.g. a deed of conveyance.
 

Interest

The Lender's charge for the use of funds or the return on deposited funds.
 

Interest Only Loans

A loan where the principle is paid back at the end of the term and only interest is paid during the term. These loans are usually for a short period of time, 1 to 5 years.
 

Joint and Several Liability

The Bank's joint account authorities, guarantee forms, etc are framed to ensure that joint account holders with debts due to the Bank of joint guarantors liable to the Bank shall be SEVERALLY liable, (i.e. individually), as well as JOINTLY. With Joint and Several Liability a creditor has as many rights of action as there are debtors; he can sue them jointly or severally until he has obtained payment, and an unsatisfied judgment against one debtor will not be a bar to an action against the others.
 

Joint Tenancy

Property in the names of two or more persons, where all persons have an equal interest in the whole property. When one person dies his interest passes to the survivor(s). They are known as Joint Tenants or Joint Proprietors of that property.
 

 

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Liability

A debt which one is liable for; being responsible only to a limited amount.
 

Loan

An advance of funds from a lender to a borrower on the agreement that the borrower pays interest on the loan, plus paying back the initial amount of the loan at or over an agreed time.
 

LVR

(Loan to Valuation Ratio) the ratio of the amount lent, to the valuation of the property.
 

Maturity

The date a debt or investment must be paid in full.
 

Mortgage

A form of security for a loan usually taken over real estate. The Lender, the mortgagee has the right to take (repossess) the real estate if the mortgagor fails to repay the loan.
 

Mortgagee

The Lender of the funds.
 

Mortgagor

The person borrowing money in the terms of the mortgage.
 

Negative Gearing

Gearing your investment so that the cost to maintain it (loan repayments, council rates, maintenance etc) out weigh the income produced by the investment, leading to a reduction in taxable income.
 

Net Income

The income received by an individual AFTER TAX has been taken out.
 

Net Profit

The profit remaining in a business after all expenses have been taken out, but BEFORE TAX.
 

Off the Plan Purchase

Buying a property from the plans only, not the finished product.
 

Portability

Where a new property can be used as security for an existing loan, i.e. when the loan is transferred to a new security property without needing to repay the loan, reapply, or restructure.
 

Power of Attorney

A written authorisation to another person, or persons, to perform certain acts for the signer, as if they were the signer.
 

Principal

The capital sum borrowed on which interest is paid during the term of the loan.
 

Principal & Interst Loan

A loan in which both the principal and the interest are paid during the term of the loan.

Property

A person's property is "what is he or she owns to do what they like with." It may be tangible or intangible, and may be given a monetary value (e.g. house, car, goodwill). Property may be classed 'real' which relates to land or interests in land (except leaseholds) and buildings, etc or 'personal', which relates to other kinds of property such as cars, bank accounts, leasehold interests in land.
 

Redraw

Borrower is able to draw on pre-paid funds
 

Refinancing

To replace or extend an existing loan with funds from the same institution or another.
 

 

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Search

An examination to confirm that the vendor is in a position to sell the property and that there are no encumbrances on the property.
 

Securitisation

Is the packaging of cash flow producing assets into a marketable security, e.g. property, roads, bridges, etc. The process where mortgage backed securities (in the form of bonds) are sold directly into the capital markets. Investors in the bonds comprise of Superannuation funds as well as other major institutions.
 

Security

An asset that guarantees the Lender their borrowings until the loan is repaid in full. Usually the property is offered to secure the loan.
 

Serviceability

Ability of borrower to make and meet repayments on a loan, based on the borrowers expenses and income(s)
 

Settlement

Finalisation of payment by the new owner, and assumption of possession. When you pick up the keys!
 

Surety

Person who makes themself responsible for another's payment of debt; also knows as the guarantor.
 

Tenants in Common

Property in the names of two or more persons and in which each has a separate and distinct share. When one person dies his share is not passed to the survivor(s) but becomes part of his estate for disposal according to his will.
 

Term

The length of a home loan or a specific portion within that loan.
 

Third Party Security

Security provided for a mortgage by a third party (some one different from actual borrowers) who is legally different from the borrower or debtor.
 

Title Deed

Registration showing the ownership of property.
 

Title Search

Process to ensure that the vendor has the right to sell and transfer ownership.
 

Torrens System

System whereby ownership and all dealings on a property are detailed on the one document, i.e. a Certificate of Title or Deed of Grant. Under this system a mortgage is a charge or encumbrance on the title. Registrations is compulsory to effect legal transfer of an interest in property and each time the property is sold, mortgaged, or a mortgage discharged, the transaction is recorded on the Certificate of Title.
 

Unencumbered

A property free of liabilities, restrictions or mortgages.
 

Valuation

A report as required by the Lender, detailing a professional opinion of a property's value.
 

Variable Interest Rate

A rate that changes in accordance with the rates in the marketplace.
 

Variation

Changing any part of the original loan contract.
 

Vendor

Person selling a property who is the current owner.
 

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<![CDATA[vehicle finance]]> http://www.alphalend.com.au/vehicle-finance.htm Home Loans

alphaLEND is associated with huge range of lending institutions including all the major banks and
mortgage lenders.

Utilising software, knowledge and experience, we are able to instantly provide up to date advice on
interest rates, product types and features as well as accurately structure your loan to suit your
circumstances.

alphaLEND can assist with Home Loans for any purpose such as

  • Purchasing a house, unit or land
  • Refinancing a property for any purpose
  • Purchasing Investment property
  • Construction, renovation or improvements
  • Any worthwhile purpose

alphaLEND can assist borrowers that are

  • Employed (short or long term)
  • Self Employed
  • Companies & Trusts
  • Unemployed or Retired
  • First Home Buyers
  • Overseas Borrowers
  • Credit Impaired (have defaults, judgements or bankruptcy)

alphaLEND can assist with loan types such as

  • No Deposit Loans
  • Low Doc & No Doc Loans
  • Line of Credit, Offset and Debt Reduction loans
  • Basic Variable loans
  • Bridging Loans
  • Fixed Rate loans
  • Short Term or Long Term loans
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<![CDATA[]]> http://www.alphalend.com.au/ Commercial & Business Loans

alphaLEND has a large panel of commercial lenders able to facilitate commercial and business finance for a variety of purposes.  These include all the major banks as well as specialist lenders.

With the uniqueness of commercial and business lending, it is important to have a broker that is experienced, has a large commercialHome Improvement Construction Loans lender panel and most importantly will not waste yours or your business’ valuable time in finding a solution.  alphaLEND consultants work closely with each other to ensure a smooth commercial transaction , ironing out any complexities that may arise.

alphaLEND can assist with Commercial & Business Loans for purpose such as

  • Purchasing or starting a business or franchise
  • Refinancing an existing business loan for any purpose
  • Purchasing equipment, stock or peripherals
  • Purchasing vehicles, plant or machinery
  • Accessing equity for a commercial or business transaction
  • Accessing funds to improve cash flow
  • Purchasing a commercial property for investment or to run your business
  • Property Development, Subdivision and Construction
  • Any worthwhile business or commercial purpose

alphaLEND can arrange commercial & business loans for borrowers that are

  • Currently Employed moving to Self Employed
  • Self Employed / Business Owners
  • Developers & Builders
  • Companies, Trusts or Individuals
  • Overseas Borrowers
  • Credit Impaired (have defaults, judgements or bankruptcy)

alphaLEND can assist with loan types such as

  • Property or Business Acquisition Loans
  • Low Doc & No Doc Commercial Loans
  • Line of Credit, Overdraft & Business Term loans
  • Cash Flow & Debtor Finance
  • Leasing, Chattel Mortgage or Hire Purchase loans
  • Commercial Bridging Loans
  • Short Term Mezzanine funding
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<![CDATA[]]> http://www.alphalend.com.au/ Construction Loans

alphaLEND can provide solutions for all construction and development needs, from a small renovation to the family home right through to a major property development project.

Our expert team will assist in sourcing an appropriate lender, facilitate the application and approval process, then ensure the stage-by-stage funding occurs in an accurate and timely manner and to the satisfaction of you and your approved builder/developer.

alphaLEND can assist with Construction, Development & Renovation for purposes such as

  • Building Houses, Units, Duplexes, etc
  • Renovating existing Houses
  • Knock Down and Rebuild Projects
  • Land Development
  • House & Land Projects
  • Multi Level / High Rise Construction Projects
  • Any relevant and worthwhile project

alphaLEND can arrange Construction, Development & Renovation for borrowers that areBuilding Construction Loans

  • Employed (short or long term)
  • Self Employed
  • Companies & Trusts
  • First Home Buyers
  • Overseas Borrowers
  • Credit Impaired (have defaults, judgements or bankruptcy)

alphaLEND can assist with loan types such as

  • Construction Loans
  • Renovation Loans
  • Development Loans
  • Bridging Loans
  • Short Term, 2nd Mortgage, Completion Finance
  • Low Doc & No Doc Construction Loans
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<![CDATA[]]> http://www.alphalend.com.au/ Equipment Finance & Rental

Utilising a variety of funding sources, alphaLEND can facilitate Equipment Finance such as Leasing or Hire Purchase as well convenientHeavy Business Equipment Financing and fast Rental finance for all your equipment needs.

alphaLEND has a unique ‘NO DOC’ equipment finance option, perfectly tailored for business operators with NO financials.

We specialise and pride ourselves in fast, positive turnarounds, providing an exceptionally fast approval and funding process.

alphaLEND can assist with Equipment Finance and Rentals for purposes such as

  • Purchasing business equipment, computers and communication tools
  • Purchasing motor vehicles, trucks, forklifts and other vehicles
  • Purchasing software
  • Purchasing tools and machinery
  • Financing shop or office fit-outs
  • Any worthwhile purpose

alphaLEND can arrange Equipment Finance and Rentals for borrowers that are

  • Currently Employed
  • Self Employed / Business Owners (no financials necessary)
  • Companies, Trusts or Individuals

alphaLEND can assist with loan types such as

  • Hire Purchases
  • Leases
  • Chattel Mortgage
  • Operating Rental Facility
  • Low Doc & No Doc Finance
  • Master Facilities (pre-approved limits)
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<![CDATA[]]> http://www.alphalend.com.au/ Home Deposit Loans

alphaLEND has access to a very unique loan product that allows you to borrow the deposit and finishing costs related to purchasing a property.  This product is perfectly suited to borrowers that have no or little deposit that are looking to get in to the property market.

How does it work?

Providing you meet the acceptance criteria, alphaLEND will structure a package as follows;

Home Deposit Loan – 10% (an unsecured facility, funded at time of house purchase)
Traditional Home Loans – 95% (a standard home loan from alphaLEND’s panel)
TOTAL – 105% (sufficiently covering purchase price and costs)Home Deposit Loans

Example

Home Purchase Price - $350,000
Stamp Duty and Costs - $17,500
TOTAL COST OF PURCHASE - $367,500

Home Loan - $332,500
Home Deposit Loan - $35,000
TOTAL FUNDS BORROWED - $367,500

Therefore, no contribution is required from you.

alphaLEND can assist borrowers that

  • Are stably employed and purchasing a property
  • Are stably self employed and purchasing a property
  • Are NOT credit Impaired (clear credit history)
  • Are stable in their residence
  • Earn sufficient income to service the debt/s

If you meet the above criteria there is a strong possibility you are eligible for a home deposit loan.

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<![CDATA[]]> http://www.alphalend.com.au/ Investment Loans

Utilising our panel of mortgage lenders, in particular those that specialise in the investor market and investment loans, alphaLEND can source and establish investment loans that are competitively priced and that perfectly suit your financial situation and .investment needs.

Compare Investment LoansCorrect loan structuring is a very important component of investment borrowing.  If your investment loan is not structured properly, the tax and accounting impact can be enormous.  alphaLEND consultants are experts in this area and can liaise closely with your accountant, tax agent or financial planner to ensure accuracy.

alphaLEND can assist with Investment Loans for any purpose such as

  • Purchasing an investment home, unit or holiday apartment
  • Refinancing an investment loan for any purpose
  • Accessing equity to invest in shares or managed funds
  • Purchasing a commercial property for investment or to run your business
  • Construction and Development
  • Any worthwhile investment purpose

alphaLEND can arrange investment loans for borrowers that are

  • Employed (short or long term) Investors
  • Self Employed Investors
  • Companies & Trusts
  • Unemployed or Retired Investors
  • First Home Buyers (will therefore exempt First Home Owner Grant)
  • Overseas Investors
  • Credit Impaired (have defaults, judgements or bankruptcy)

alphaLEND can assist with loan types such as

  • No Deposit Investment Loans
  • Low Doc & No Doc Investment Loans
  • Line of Credit
  • Bridging Finance
  • Debt Recylcling loans
  • Basic Variable & Fixed Rate Investment loans
  • Short Term, Caveat and Settlement Funding
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<![CDATA[]]> http://www.alphalend.com.au/ Personal & Car Loans

alphaLEND has a large range of secured or unsecured loan options to assist individuals or businesses.

Our panel of lenders are fast and fair and provide an simple approval to settlement process.

alphaLEND can assist with Personal & Car Loans for any purpose such as Secured Car Loans

  • Requiring funds for personal use
  • Buying a car, boat, caravan or trailer
  • Debt Consolidation
  • Home Deposit and Settlement Costs
  • Any worthwhile purpose

alphaLEND can assist borrowers that are

  • Employed
  • Self Employed
  • Companies & Trusts
  • Credit Impaired (have defaults, judgements or bankruptcy)

alphaLEND can assist with loan types such as

  • Car Loans (secured & Unsecured)
  • Unsecured Personal Loans
  • Home Deposit Loans
  • Fixed Personal Loans
  • Low Doc Car Loans (for business)
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<![CDATA[]]> http://www.alphalend.com.au/ Short Term Finance & 2nd Mortgages

When you require, fast approval – no questions asked – instant settlement finance for any worthwhile purpose, alphaLEND can assist with its panel of Short Term, Private Lenders.

Generally, we can facilitate and application from start to settlement within approx 72 hours (providing all information is in order).  These can range from $10,000 through to $2m +

alphaLEND can assist with Short Term and 2nd Mortgages for purposes such asShort Term Business Loan

  • Refinancing existing debt for any reason
  • Releasing equity for any purpose
  • To assist settlement of other loans
  • As a means of bridging

alphaLEND can arrange Short Term and 2nd Mortgages for borrowers that

  • Have sufficient equity in property

alphaLEND can assist with loan types such as

  • 1st & 2nd Mortgages
  • Caveat Loans
  • Bridging & Settlemetn Loans
  • Private (equity loans)
  • No Doc Funding.....
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<![CDATA[]]> http://www.alphalend.com.au/ Newsletter - Issue 1

Newsletter - Issue 2

Newsletter - Issue 3

 

 

 

 

 

 

 

 

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<![CDATA[]]> http://www.alphalend.com.au/ "I have used Nick from alphaLEND twice. Once to purchase my house, and again to refinance. Nick was an unbelievable help as I had no idea how to go about these dealings. He took care of the whole deal even communicating with real estate and conveyances. I would not have been able to finalise my house without him."
P.Sharplin – Gold Coast

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http://www.alphalend.com.au/ <![CDATA[]]> http://www.alphalend.com.au/
<![CDATA[]]> http://www.alphalend.com.au/ alphaLEND is accredited with over 40 different lending institutions including all the major banks and mortgage lenders. 

Utilising software, knowledge and experience, we are able to instantly provide up to date advice on interest rates, product types and features as well as accurately structure your loan to suit your circumstances.

alphaLEND can assist with Home Loans for any purpose such as

  • Purchasing a house, unit or land
  • Refinancing a property for any purpose
  • Purchasing Investment property
  • Construction, renovation or improvements
  • Any worthwhile purpose

alphaLEND can assist borrowers that are

  • Employed (short or long term)
  • Self Employed
  • Companies & Trusts
  • Unemployed or Retired
  • First Home Buyers
  • Overseas Borrowers
  • Credit Impaired (have defaults, judgements
    or bankruptcy)

alphaLEND can assist with loan types such as

  • No Deposit Loans
  • Low Doc & No Doc Loans
  • Line of Credit, Offset and Debt Reduction loans
  • Basic Variable loans
  • Bridging Loans
  • Fixed Rate loans
  • Short Term or Long Term loans
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http://www.alphalend.com.au/ <![CDATA[]]> http://www.alphalend.com.au/
<![CDATA[]]> http://www.alphalend.com.au/ Home Renovation Loan ]]> http://www.alphalend.com.au/ <![CDATA[]]> http://www.alphalend.com.au/ <![CDATA[]]> http://www.alphalend.com.au/ Property Development Loan ]]> http://www.alphalend.com.au/ <![CDATA[]]> http://www.alphalend.com.au/ <![CDATA[]]> http://www.alphalend.com.au/ Vehicle Finance ]]> http://www.alphalend.com.au/ <![CDATA[]]> http://www.alphalend.com.au/