SERVICES
Alpha Lend is associated with over 50 different lending institutions including major banks, non-banks and specialist providers ...
Utilising technology, knowledge and experience, we're 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.
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Alpha Lend can assist with Home Loans for any purpose including: ✔ Purchasing a house, unit or land ✔ Refinancing a property for any purpose ✔ Purchasing Investment property ✔ Construction, renovation or improvements ✔ Any other worthwhile purpose Alpha Lend can assist borrowers that are: ✔ PAYG Employed (short or long term) ✔ Self-employed ✔ Companies & Trusts ✔ First Home Buyers ✔ Overseas Borrowers ✔ Credit Impaired (have defaults, judgements or bankruptcy) Alpha Lend 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 Alpha Lend can assist with Investment Loans for any purpose including: ✔ 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 Alpha Lend can arrange investment loans for borrowers that are: ✔ Employed (short or long term) Investors ✔ Self Employed Investors ✔ Companies & Trusts ✔ Retired Investors ✔ First Home Buyers (will therefore exempt First Home Owner Grant) ✔ Overseas Investors ✔ Credit Impaired (have defaults, judgements or bankruptcy) Alpha Lend 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 Commercial, Business Loans & EQUIPMENT LOANS
Alpha Lend can assist with Commercial & Business Loans for purposes including: ✔ 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 Alpha Lend 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) Alpha Lend 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 NO Deposit home Loan strategies
Alpha Lend has an exclusive strategy that allows you to (subject to lender criteria and approval) combine borrowing a deposit or shortfall in deposit, finishing costs and a conventional home loan, allowing you to purchase a property without the long and difficult task of saving a deposit. This strategy is perfectly suited to borrowers that have no or little deposit saved and are eager to get in to the property market immediately. How does it work? Firstly and most importantly, this strategy is ONLY suited for borrowers that can demonstrate strong and stable employment or self-employment income with clear capacity to pay the loan/s and an overall strong profile including clear credit, propensity to meet your commitments and an intention to purchase a suitable and acceptable property. We highly value responsible lending practices and guidelines and can only assist borrowers that meet the relevant criteria and when we determine that the strategy is ultimately not unsuitable for you. Providing you meet the acceptance criteria, Alpha Lend will structure a package that may look like this:
Example Home Purchase Price - $450,000 Stamp Duty and Costs - $10,000 TOTAL COST OF PURCHASE - $460,000 Home Deposit Loan: $32,500 Home Loan (95%): $427,500 (plus mortgage insurance eg $17,000) = $444,500 TOTAL FUNDS BORROWED: $460,000 (plus mortgage insurance eg $17,000) = $477,000 Therefore, no contribution would be required from you in this example. NOTE - this example has been prepared as general advice only and individual's circumstances may differ. Alpha Lend can assist borrowers that: ✔ Are stably employed and purchasing a property ✔ Are stably self-employed and purchasing a property ✔ Are NOT credit impaired (have 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 no deposit strategy. Alpha Lend can assist with Personal & Car Loans for any purpose including: ✔ Requiring funds for personal use ✔ Buying a car, boat, caravan or trailer ✔ Debt Consolidation ✔ Home Deposit and Settlement Costs ✔ Any worthwhile purpose Alpha Lend can assist borrowers that are: ✔ Employed ✔ Self-employed ✔ Companies & Trusts ✔ Credit Impaired (have defaults, judgements or bankruptcy) Alpha Lend 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) business vehicle, Equipment & asset leasing
Alpha Lend can assist with Vehicle or Equipment Finance and Leasing for purposes including: ✔ 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 Alpha Lend can arrange Vehicle or Equipment Finance and Leasing for borrowers that are: ✔ Currently Employed ✔ Self Employed / Business Owners (no financials necessary) ✔ Companies, Trusts or Individuals Alpha Lend 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) Alpha Lend can assist with Construction, Development & Renovation for purposes including: ✔ 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 Alpha Lend can arrange Construction, Development & Renovation for borrowers that are: ✔ Employed (short or long term) ✔ Self-employed ✔ Companies & Trusts ✔ First Home Buyers ✔ Overseas Borrowers ✔ Credit Impaired (have defaults, judgements or bankruptcy) Alpha Lend 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 Require, fast approval – no red tape – instant settlement finance for any worthwhile business purpose? Alpha Lend can assist with its panel of Short Term or 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 + Alpha Lend can assist with Short Term and 2nd Mortgages for purposes including: ✔ Refinancing existing debt for any reason ✔ Releasing equity for any purpose ✔ To assist settlement of other loans ✔ As a means of bridging Alpha Lend can arrange Short Term and 2nd Mortgages for borrowers that are: ✔ Have sufficient equity in property ✔ Are borrowing for business purposes Alpha Lend can assist with loan types such as: ✔ 1st & 2nd Mortgages ✔ Caveat Loans ✔ Bridging & Settlement Loans ✔ Private (equity loans) ✔ No Doc Funding..... ASK us how we can help you..
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