1st Street provides an all-encompassing solution for your home loan requirements with a wide range of home loan services.
|BASIC HOME LOAN||A no-frills loan with a low variable interest rate and little or no fees.|
|LINE OF CREDIT||A pre-approved limit which can be borrowed in part or in its entirety.|
|SPLIT LOAN||A loan which manages risk and is split between fixed and variable interest rates.|
|INVESTMENT LOAN||A tax-effective loan for investors.|
|INTRODUCTORY RATE HOME LOAN||A lower initial rate for those looking to minimise payments in the short term.|
|Redraw Facility||A feature which allows you to make additional repayments to reduce the loan amount and minimise the interest, with the option to redraw additional funds at any time.|
|Offset Account or All In One Account||An account which combies your loan, savings, credit and cheque accounts which is intended to minimise the loan amount and thus reduce the interest payable|
|Construction Loan||Access funds as they are required at the various stages of building.|
|First Home Buyer Loan||Ease into the repayments and the costs of buying a first home. 1st Street can also assist buyers with obtaining the First Home Owners Grant and Stamp Duty Exemptions.|
|Bridging Loan||For when you need to access funds for a limited time only. This type of financing usually is a result of an overlap of two properties.|
1st Street are experts in commercial and business loans. With great industry connections, 1st Street achieves excellent results with quick turnaround times.
If you would like to purchase a commercial property or if you are interested in purchasing a business, 1st Street has specialist commercial lenders who can evaluate the commercial lending market to find the most suitable product and apply for a loan on your behalf. We hold key relationships and have the knowledge and experience with all lenders which is important when presenting a transaction to the lenders. Our areas of expertise include:
|Commercial property (Small/Large, Owner occupied/Investment)|
|Small or Large Retail Businesses|
We will coach you through the particular proposal or transaction so we can ensure we attain approval first time.
If you need an affordable and tax-effective way of gaining access to office equipment, vehicles and more, 1st Street offers a specialised leasing service.
Leasing is a financial instrument commonly used in business. A lease is similar to a rental agreement in that regular payments are made to be able to use an asset. 1st Street can arrange leasing for equipment such as:
A lease usually has a term of 1 to 5 years and monthly repayments can be reduced if a residual/balloon payment is added. 1st Street offers a variety of leases including: