Loan Types
Australian Securities offer funding solutions on several security types. These security types include land, residential, commercial, retail and or industrial properties. Australian Securities provide tailored specialty loans for credit, personal investment, superannuation, business and construction, in particular for residential and apartment developments.
Australian Securities provide a unique personalised financial service, which includes flexible loan packages that fit the criteria of your business. All loans are developed to achieve the maximum in lending efficiencies for the benefit of the borrower. These tailored loans provide features and benefits not always offered by banks. Loan rates are dependant on the type of security and loan provided.
Small to Medium Enterprises achieve their financial goals with Australian Securities to effectively run their businesses without covenants on their business performance.
Australian Securities lend to Small and Medium Enterprises in any industry sector, profession or trade. Self-Employed individuals in any, profession or trade are also welcome to apply for loans. Please contact your ASL Finance Manager for further details about ASL Business Funding Requirements on 1300 275 275. A pdf is available here outlining the basic requirements or visit our documentation section on borrowing for business.
Features and Benefits
Low cost set up
Low cost setup fees and competitive lending rates
Competitive fixed rates
Fixed interest rates terms for 1-3 years with pre-approved client rollovers
No restrictions on your business
No restrictive covenants on the running of your business
Tailored loans
Diversified lending structures tailored to suit individual needs
IMPORTANT INFORMATION: Loan must be secured by real-estate; Company constitution and Trust Deeds to be provided (if applicable); Directors to be Guarantors of the loan; General Security Deed to be executed by the company; Business must be able to establish serviceability (contact Australian Securities Finance manager for further information on requirements); Business Financials (if applicable)
Whether you’re a general builder or a large scale developer, you will find Australian Securities level of service a major benefit to you and your building operations. Australian Securities has extensive experience in providing unique loans to suit builders and developers particular needs. ASL understand that all customers have individual servicing requirements and does not believe in a ‘one loan fits all’ approach taken by many mainstream banks.
ASL recognise the fluid nature of the building and construction industry, tailoring flexible loans to meet specific phases of a build or potential changes that may occur during the progression of a development.
There are few financial institutions that can compete with Australian Securities competitive rates and tailored financial products. ASL offer fixed term rates, interest reset options, modified repayments during the loan term and early repayment options. ASL also offer Loan to Value ratios of up to 65% on the end value of your project with a fast 24 hour turnaround for staged progress payments. Loans of up to $5,000,000 are considered and larger loans above $5m are considered on a case by case basis. Please contact ASLs’ Finance Manager for further details about construction funding requirements on 1300 275 275. A pdf is available here in the resources section outlining the basic requirements of borrowing for construction.
Features and Benefits
Lending amount based on forecast completion date
Lending up to 65% of the “on Completion” Value net of GST
Full funded contract
Funding of full contact amount (includes GST,
Contingency & Open Space/commitment charges
Flexible interest repayment options
Option to capitalise interest within the loan amount or pay monthly
(provided serviceability evidence)
Fast loan approvals & turnaround
Quicker turn around time than major banks
Quick progress payments
Progress payments paid within 24 hours of
quantity surveyor/valuer report being received
Flexible Pre-sale conditions
Pre-sale requirements assessed on a case by case basis
Optional Rollover on final repayment dates
Option to rollover on the due date
IMPORTANT INFORMATION: Loan must be secured by real-estate; Company constitution and Trust Deeds to be provided (if applicable); Directors to be Guarantors of the loan; General Security Deed to be executed by the company; Business must be able to establish serviceability (contact Australian Securities Finance manager for further information on requirements); Business Financials (if applicable)
Self managed super funds can achieve their financial goals with Australian Securities assistance, to finance property acquisitions & build their investment portfolios.
Property investments subject to a mortgage can be included as an asset to a fund. Earnings on the fund are taxed at 15% compared to the minimum marginal rate of 30% and Capital gains will be taxed at 10% or 15 % not the minimum marginal rate of 30% . Please contact your ASL Finance Manager for further details about ASL’s Super Funding Requirements on 1300 275 275. A pdf is available here outlining the basic requirements or visit our documentation section on borrowing for superannuation.
Features and Benefits
The property must only be used for retirement funding (sole purpose test)
The property must be held in a trust and the super fund must be the sole beneficiary
The trustee does not need to be a professional trustee company or lender controlled trust
The lender has no recourse against other assets of the super fund
IMPORTANT INFORMATION: As ASL does not know your financial position or personal requirements, ASL recommends that you seek advice from a financial planner on the merits of your fund holding property and the quality of property that fits your purpose as an investment. Any investment Loan must be secured by real-estate; Company constitution and Trust Deeds to be provided (if applicable); Directors to be Guarantors of the loan; General Security Deed to be executed by the company; Super trust must be able to establish serviceability (contact Australian Securities Finance manager for further information on requirements); Superannuation Financials (if applicable)
Australian Securities offer competitive rates and flexible lending terms on security based loans. An unencumbered property asset can be used as security for improvements* to an existing home or other investment property or as tenure for further property acquisitions.
Features and Benefits
Competitive fixed rates
Competitive fixed rates for terms of 1-3 years
Optional Rollover on final repayment dates
Option to rollover on the due dates pre-approved with borrower
Flexible interest repayment options
Option to prepay interest for duration of the loan or pay monthly
(provided serviceability evidence)
Fast loan approvals & turnaround
Quicker loan approval times in the event funds are required urgently
Low cost set up
Low cost loan set up fees
IMPORTANT INFORMATION: Any investment Loan must be secured by real-estate; Company constitution and Trust Deeds to be provided (if applicable); Directors to be Guarantors of the loan; General Security Deed to be executed by the company; Super trust must be able to establish serviceability (contact Australian Securities Finance manager for further information on requirements); Superannuation Financials (if applicable)Minimum loan amounts apply for investment property improvements (refurbishments or renovation). The minimum loan amount is $250,000. Customers must be able to provide serviceability evidence. Loan maximums are dependant on the type of property provided as security for the loan. Australian Securities will lend up to 66% on an approved loan valuation. (Tier 1 LVR 60% and Tier 2 LVR 6%) As Australian Securities does not know your financial position or personal requirements, ASL recommends that you seek suitable financial advice on the merits of borrowing for property investment and the quality of property that fits your purpose as an investment. Contact our finance manager for further information on funding Requirements on 1300 275 275. A pdf is available in the resources section outlining basic requirements for borrowing for private investment.