If you want to protect yourself against interest rate rises and to know exactly what your monthly repayments will be, this is the ideal loan for you. Great fixed rates available for periods of 1, 2, 3, 5 and even 10 years.

These loans are available for First Home Owners, Home Movers, Investors, and refinance of existing facilities.

If interest rates rise your loan repayments remain the same during the fixed rate period

Combine a fixed rate with another flexible product to give you an opportunity to repay some of your debt during the fixed rate period

Some lenders allow additional repayments during the fixed rate period

Portability – Even if you sell your existing property and purchase a new one you can keep the same loan with the same interest rate you already enjoy and avoid any potential break costs

For more information, please Contact Us using our online form.

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If you are looking for a low variable rate loan that has less frills then this type of loan is for you. These loans are available for First Home Owners, Home Movers, Investors, and for refinance of existing facilities.

As the title suggests, this loan has all the basic features you need plus some extras like redraw and are very inexpensive to run.

For more information, please contact us by phone or use our online contact form.

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What is securitisation?

Securitisation is the process of converting a pool of cash flows into tradeable securities known as asset backed securities (ABS) or Mortgage backed securities (MBS).

What is the process involved?

An originator of cash flows (e.g. loans) sells a portfolio of loans to a special-purpose vehicle (SPV). The SPV raises funds to purchase the loans by issuing debt securities to investors.
The interest and principal payments on the underlying loans are used to make the interest and principal payments on the securities.

What are the three key elements involved in securitisation?

1. Cash flow
2. credit and structural support
3. held in a special purpose vehicle (SPV) for the benefit of investors

What are the main benefits of securitisation?

• Asset liability matching
• Cheaper funding for lower rated entities
• Funding diversity
• Regulatory capital relief (for regulated entities)
• Off balance sheet treatment
• Accelerates cash flow
• Risk transfer

What types of assets have been securitised in Australia?

• Residential mortgage loans
• Vehicle and equipment loans and leases
• Credit and charge card receivables
• Trade receivables
• Collateralised loan obligations
• Net interest margins (income streams)
• Commercial mortgage loans and leases

Who typically is involved in the Australian securitisation market?

There are a diverse range of participants including:

• accounting firms
• financial intermediaries
• insurers
• investors
• issuers
• legal firms
• mortgage issuers
• rating agencies
• services providers
• trustees

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