We understand that achieving your business goals starts with getting the right finance to make it all happen. From smaller loans to larger, more comprehensive finance packages, our specialists can help you get what you need faster, and with better terms than other brokers.
As business owners, we know that all you want is a flexible loan with fair repayment terms, so you can get back to what matters – your business.
We work with Australia’s best lenders, including:
A finance broker acts an intermediary between you as a borrower and a number of lenders. The broker’s role is to assess your personal circumstances, find a suitable loan product for you and then negotiate the successful approval and settlement of the loan.
There is no fee for finding the right loan for you – it’s a free service to you. 4 Group gets paid a commission from the lender – though please note, our consultants are salaried staff members. They are not paid solely through commissions for the loans they arrange, like some other brokers out there. Your interests are really at the heart of what we do.
We are finance brokers and accountants. We can service any type of small or big loan for business or personal purposes. We also provide accounting and financial planning services to keep your finances in order.
Not all finance brokers and accountants are created equal! We pride ourselves on working closely with our clients and developing the sort of trust that should exist in a successful relationship. No question is ever too difficult. No detail is too small. We’re here to help and we believe that’s what our clients deserve.
Each lender has different rules about how much deposit you will need to have but as a general rule, you will now need at least 5% deposit in addition to other purchase costs.
In some cases a lender will ask you to show that you have saved the deposit yourself to demonstrate that you have the savings history. This acts as a good indicator that you will be able to afford your home loan repayments. If you offer less than a 20% deposit you will also be required to take out mortgage insurance to protect the lender.
There is no simple answer to this, but some lenders tend to offer quicker service than others. It usually takes between two and three weeks for you to get your money from the date we receive your application. The speed of this process often depends on your personal situation and which lender is selected.
