Mortgage, Personal & Business Loan Brokers
50+ Lenders Top 3 Options Client Focused Results Driven
Disclaimer – All rates, advice, information, and data is provided on a generic basis and does not take into account your individual circumstances. It is recommended to consult an Accountant, Lawyer, and Financial Planner as a minimum before undertaking any finance facilities or actions. Your actual rate will depend upon your circumstances and requirements. Orchard Lending may be paid commissions by lenders, and will fully disclose as such on the appropriate Statement of Credit Assistance issued to our clients. Details on commissions and dispute resolutions can be found on our credit guide which is provided on our initial appointment, or available on request. Orchard Lending operates under Credit Rep Number 518496 and is a member of the Australian Financial Complaints Authority (AFCA) 72553.
“Our mission is to assist people Australia wide to better understand, leverage, and grow their financial prosperity and success”
Mortgages, Personal & Business Loans
Whether it’s a home loan mortgage, personal or business loan, or some other finance you need, our loan brokers are here to assist. Our aim is to not just simply the process to ‘get you finance’ but to set you up with a finance solution that suits your financial needs and wants now, but also aims to grow your financial prosperity far into the future.
We can assist with all types of home loan financing, with over 50 lenders to uncover the top 5 deals for you and the transparent reasons of the one we recommend. Where as going to a lender will result in only their products, we can easily and quickly summarise current lender offers, and rates, and tailor a solution for you. This generally not just saves you time and money, but also gives you comfort knowing you have received the best deal for your situation.
We can obtain financing with the main banks as well as specialty lenders, with typically no early exit and repayment fees, and a whole host of other benefits. Enquire for a call back today from one of our finance loan brokers and ensure you make the right choice on your home financing needs today.
All we need to know at a minimum, is estimated monthly income and expenses, current debt balances and repayment amounts, and an outline of what you want to achieve. We can then arrange our complimentary credit consult with one of our loan brokers to discuss how we can best assist you.
This will largely depend on your credit history and monthly income and expenses and other debt facilities you may already have. For larger amounts further documentation may also be needed and we can provide a full document checklist once a quote has been provided. If you want to find out a good idea of borrowing amount, please click on our quick quote button and complete the form. One of our loan brokers will then call to discuss a tailored potential borrowing amount.
This is similar to the metrics used to assess borrowing limit. We can advise an estimated rate from our complimentary credit consult, or to receive a more accurate rate, please complete our quick quote and complete the form.
We can consider income from any industry and job type Australia wide. The location and industry may effect rate and borrowing limits, depending on the risk rating the lenders apply. Generally your credit history, property details, and level of other debt, are more important lender factors. Complete our quick quote or book a credit consult to find out more details.
For self-employed applicants we have alternative income verification methods. These can utilise bank statements, BAS or accountant declarations to calculate loan borrowing limits and interest rates. Even if recently employed, we can also assist as generally pay slips or an employment contract is all that’s needed.
Mortgage, Personal & Business Loans
We can assist with many types of mortgages, personal and business loans rom a large range of lender facilities. Depending on your situation, we can also wrap debt consolidation into new lending if you want to purchase something at the same time, to optimise your loan efficiency. Our main aim though is to put you in a better position, free you from the debt cycle, and ensure any further lending is aligned with your current and future needs, and objectives, and will bring you true benefits.
Start today by arranging a free 30 minute credit consult with one of our loan brokers. From there we can advise how we can assist you, and provide value and benefits around utilising our team for for all your finance needs.
Loans Done Right
A mortgage is likely for one of your biggest financial decisions of your life. Our mission is to ensure that all mortgages will provide true benefits, and meet your needs and objectives for today and tomorrow. We aim for lenders who have no or minimal on-going fees, no early repayment or exit fees, and who provide competitive rates and finance terms. We only want the true best of the best lenders.
Our process starts with a completely no-obligation pre-assessment from one of our senior brokers where you will have the chance to discuss any questions you may have. Book an appointment now or apply for a non-committal quick quote to view our tailored mortgage home loan solutions.
Typical Loan Details
Any worthwhile purpose
Competitive interest rates
No early payout fees
Zero or minimal account fees
Easy account management
Our Clients Choose Us For
Open & transparent process
Quick loan application
No commitment pre-assessments
Honest loan feedback
Full life-of-loan support
High success rate
What does it take for a mortgage, personal or business loan?
The requirements of each loan first start with working out your needs, wants, and objectives, and then aligning this against your current financial position. From there we can work out which lender, and which of their finance products, is likely going to suit you the best. This will result in different document and verification requirements, which can also be tailored to what is available. We do this all in an efficient transparent way, and generally can show you the top three to five comparisons, and reasons for our finance choice – with the ultimate decision in your hands.
We reverse engineer your financial position, wants and needs, and future objectives, to align you with the most beneficial lender.
Full Doc Loans
- 2 x Payslips
- ATO Tax Returns
- Financial Records
- 1-2 Years ABN NOAs
- Clear Credit History
- Exotic assets
- Non-conforming security
- Difficult income verification
- Case by case assessments
- Special loan needs
Low Doc Loans
- No tax returns
- Alternative income
- Bank statements
- Short trading history
- Private lenders
- Discharged bankrupt
- Listed defaults
- Late payments
- Low credit score
- Limited credit history