The Loans Suite
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what we do



Home Loans can be divided in several categories and this is often what makes it difficult and confusing when you have to make a decision. At The Loans Suite we take the time to work with our clients to achieve their financial goals. As no 2 client’s needs are the same we will ensure we find the right Home Loan for you.

As the name implies, the interest rate on these loans varies at anytime depending on economic conditions. This allows clients to have more flexibility with their finances. Variable rate loans allow you to use redraw and Offset features to save interest on your loan.

This is when you select to fix the rate for a set term and the rate will not move during this time. The most common fixed terms are from 1 to 5 years, however some lenders offer fixed terms of up to 10 years. Keeping in mind that if you need to get out of the loan during the fixed term the lender may charge you early repayment fees.



But where to start? We can help you weigh it all up.

As time rushes by, situations change. Perhaps you’ve changed jobs? Or there’s a new addition to the family? Maybe you would just like a better rate? Maybe it’s the advent of school fees, or perhaps the kids have flown the coop? Or maybe that leaking shower or tired kitchen has just reached the end of its life.

A shift in circumstances may mean it is time to revisit your home finances. For many, the idea of refinancing a mortgage can be daunting. Fees and fixed versus variable interest rates need to be considered.

The right refinanced loan might help you to pay off your mortgage faster and for less, clear unhealthy debt or upgrade and add value your home, all of which are steps in the right direction.

investment lending

An investment loan is a type of home loan that someone takes out to buy an investment property. It is a mortgage solution for those who want to buy a property and rent it out to receive income from it, but can’t afford to buy the property without a loan.

Each and every home buyer is different. Whether you are buying your first home or your tenth, the competitive home loan market changes every day.

With new products and offerings available all the time we make sure every customer is given the best options to suit their needs time and time again.


Buying a home is the biggest asset that you’ll seek to acquire in your lifetime that typically spans over 20 to 30 years. For many first time home buyers, the housing market and dealing with agents can be confusing, especially when it comes to understanding fees and charges, and wading your way through the contract before signing it.

At The Loans Suite, we want to help you make sense of the housing market by walking you through the do’s and don’ts of home buying so you’ll have a clearer vision of what you want in a home loan and just how you are going to achieve your goal of home ownership.

We work with you to establish the best product, the best way to save you money on repayments and rates, and will find a solution to get you into a property that you can call your home.

We educate you in regards to what your benefits are for purchasing your first home, can you get stamp duty waiver or discounts, first home owners grants and anything else we find your entitled to benefit from.

self managed super funds

An SMSF loan is a home loan used by a self-managed super fund (SMSF) to buy an investment property. The returns on the investment – whether that’s rental income or capital gains – are funneled back into the super fund, increasing your retirement savings.

For SMSFs looking to purchase residential investment property, most lenders will restrict your loan to 70% of the property value and require you to make Principle and Interest repayments.

Although SMSF loan structures can be quite complex, there are specialist lenders who have designed specific products to finance these transactions.

At The Loans Suite we work together with both the clients and Financial Planners to ensure the best advice and outcome is achieved.


A Construction Loan is required when sourcing finance to build a property. Whether it is on a block of land that you already own or part of a House & Land package. A Construction loan is generally drawn down in stages as the builder reaches the different milestones stipulated in the building contract. These are referred to as progress draws/payments.

These stages are generally:
• Deposit
• Base (i.e. when the concrete slab is laid)
• Frame (i.e. when the framework or walls are up)
• Lockup (i.e. when the roof, door and windows are in place)
• Fixing (i.e. when the house has been fitted out with appliances)
• Practical Completion (i.e. the house has been completed and is ready for occupation)

The lender uses an independent valuer to monitor the construction process. This is to ensure that before payment is released to the builder that the work has been carried out in accordance with the contract.

asset & Vehicle finance

Whether you are starting a business or have been running a business for some time, there are constant pressures to fund expenses.

By taking advantage of equipment finance, you can reduce your businesses cash outlay.

Competitive rates and monthly repayments allow you to spread the cost over the lifetime of the loan. If you’re in business and need equipment finance for machinery, heavy vehicles, office and IT equipment, furniture, motor vehicles and the like, The Loans Suite can find the right solution for you.

Depending on your circumstances, we can offer a wide range of products such as Leasing, Hire Purchase and Chattel Mortgage, and flexible payment options to suit your cash flow, such as monthly repayments and options for balloon payments at the end of the loan term, whilst at the same time ensuring competitive rates. You name it, we can finance it.

Business Lending services

As a small business ourselves we understand the daily pressures that businesses face.

We can offer commercial loans to assist with the purchase of a business or to purchase a commercial property whether it is your own business premises or a commercial property for investment purposes. We have a platter of choices available for small business finance, for cash flow purposes to stock purchasing or marketing.

Specialist lending is also available for the purchase of certain franchises. We will source the best finance package from the wide choice of lenders on our panel, from short term facilities to long term business loans providing the right solution for your business needs.

insurance options


At The Loans Suite we cater to all your needs, including insurance.

  • General Insurance eg: Car, Home, Motorbike, Boat and Landlord

  • Risk Insurance eg: Life, TPD, Income Protection etc.

  • Small Business Insurance

We align ourselves with the best professional partners who specialise in all aspects of insurance so they will ensure you have the best cover available to you.

get in touch

Need any of our services? Don't hesitate to contact us and we will bring you a solution.