Specialist banking solutions for accountants
SMSF lending
Utilise your SMSF to borrow funds to purchase a residential or commercial property. It’s your choice, you can borrow up to 90% when guaranteed by yourself and the trustee, and secured against the property or 65% when guaranteed by the trustee and secured against the property. It’s an opportunity to diversify your retirement savings into commercial property with limited cash outlay.
Residential mortgages
Partners, CAs and CPAs can take advantage of our ‘top up’ solutions, providing up to 100% of the finance needed to buy a property with no Lenders Mortgage Insurance (LMI).
• Borrow up to 100%
• Offset accounts for all product types, including fixed rate loans
• Discounted fixed and variable rate options
• Interest only, or principal and interest loans available
• No lenders mortgage insurance (LMI) required
• Internet and phone banking facilities
Owner occupied property investment
Borrow up to 100% for your practice premises. Competitive finance packages for the purchase of commercial property.
• Fixed, variable and line of credit options
• Interest only or principal and interest loans
• Loans can be structured into various entities
Investment property
• Borrow up to 95% for residential investment properties and 90% for commercial investment properties.
• Competitive finance packages for the purchase of investment property opportunities.
• Fixed, variable and line of credit options
• Interest only or principal and interest loans
• Loans can be structured into various entities
Practice Property or Investment Commercial Mortgage
Assent Mortgage Finance is not offering financial or tax advice. You should obtain independent financial and tax advice as appropriate. All finance is subject to our panel lenders credit assessment criteria. Terms and conditions, fees and charges apply.
Investing in your future
You require premises to conduct your business. While purchasing your own office may be one of your largest funding requirements, it has the potential to be a profitable long term business strategy. Investec’s commercial mortgage is designed to suit your cash flow, ensuring minimal difference between renting and buying.
Property ownership can provide you with a stable income stream and the security of an appreciating asset in your investment portfolio.
Purchase premises for your practice
Purchasing premises for your practice gives you the freedom to define your space in a way that is suited to your specific requirements. Create an office appropriate to your needs while adding value to the property you own.
Purchase commercial property as an investment
You may enhance your financial security by purchasing a commercial property as an investment, and benefit from high yields and low cash outlays at purchase. You could also have peace of mind by renting to professional tenants.
Competitive packages
Our panel lenders range of commercial mortgages can be structured to match your cash flow. We can offer competitive packages, and you may even borrow against the equity in your commercial mortgage to grow your business.
Product features
• Borrow up to 100% for your premises.
• Owner occupiers can borrow up to 100%
• Borrow up to 90% for a commercial investment property Purchase a commercial property with only 10% deposit
• Competitive rates fixed, variable and line of credit options
• Structure interest payments Interest only or principal and interest loans
• Entities Loans can be structured into super, spouse, Company or trust entities
• No fees No ongoing bank fees
• Security: No additional security may be required
• Fee purchase
• Borrow up to 100% of the purchase amount to buy additional fees for your practice.
• Fixed, variable and line of credit options
• Interest only or principal and interest loans
• Working capital
We can provide both secured and unsecured lines of credit for your practice. Offering your practice the benefit of a fully flexible overdraft facility which recognises the value of your practice as security.
• Efficient cash flow management
• An overdraft that puts you in control
• Flexible line of credit
• No line fees
Asset finance
Finance options for practice assets such as fitout, computers, software, installation and training in addition to any other equipment purchases.
• Lease, hire purchase or chattel mortgage funding options
• Choose from low start, upfront or stepped payment options
For more information, please call Assent Mortgage Finance on 1300 72 86 96