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Events & Weddings are always momentous events regardless of their size, with options for wedding and event loans able to assist in making the day as special as possible. Marriages are memorable for couples since they are one of the most important events in their lives and most people dream of having a lavish wedding and/or event at some time. Though many individuals appear to be in good spirits on their day, some may be upset because they are unable to have their dream wedding or event.
Our Wedding and Even Loan Brokers can assist to ensure your day has all the trimmings you want. A wedding or event loan is a form of personal loan that you can use to cover any wedding or event related expenses. Whether you need the loan to cover venue and food fees or more personal items such as wedding dress and cosmetics, a loan may relieve the stress of paying large sums up front.
Our brokers can assist in calculating your maximum borrowing, and compare to your budget to work out the best terms to suit your situation. All you need to do is apply with us for the appropriate amount and some documents we will ask for, then leave the rest to us. When your financing is hopefully approved, funds are generally paid direct within 24-48 hours (depending on current lodgment times). Booking and planning ahead of time helps guarantee that your wedding day is stress-free and our brokers want to ensure the loan application process, and post-settlement is as equally blissful.
Contact us today for your free, no-obligation consult with one of our wedding and event loan brokers, to see how we can best assist you today.
Loans For Those Extra Special Occasions
“The cost of an amazing event is but once. However the memory lasts a lifetime” – Anon
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Event Finance & Wedding Loan Brokers
Looking to for event finance or a wedding loan broker in Australia? Our brokers can assist in aligning the best loan to your situation. For weddings this can be a personal loan with either secured or unsecured options. For businesses needing event finance, we have a whole range of various finance that can be term loans, or more flexible line of credit faculties.
We can assist with all types of wedding loans and special event financing, with flexible financing options. 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.
When it comes to funding their wedding or event, many couples we talk to find that a wedding loan is the most practical option to funding the special day. It can free up current savings for other items, and also lessen any regret of not staging the perfect day they have planned for. According to a recent poll, over half of Australian couples take out some sort of finances to aid in their wedding.
We can obtain financing with both funds paid direct to yourselves or suppliers, and our brokers will generally recommend loans with no early exit and repayment fees, and a whole host of other benefits. Enquire for a call back today from one of our credit specialist and ensure you make the right choice on your wedding loan or special event financing.
Frequently Asked Questions
What do I need to get started?
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.
How much can I borrow?
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 book one of our online credit consults or give us a call today. One of our loan brokers can then discuss a tailored potential borrowing amount.
What will my rate be?
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 get in contact with us to arrange your tailored loan quote.
Does my job or location matter?
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.
Do you need tax returns?
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. This will all depend upon your loan requirements and other mitigating circumstances which we can discuss when you call.
Event & Wedding Finance Details
We can assist with many types of event finance & wedding loans from 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. The first step is to workout your budget, and preferred areas of spend.
Once you have these worked out, you may begin breaking the overall wedding budget into allocations for each vendor. Maybe you won’t cut corners on food and drink, or maybe a huge flower display is a must-have for you. That’s great; you may move money about inside your budget to acquire exactly what you want without exceeding your budget limits. So, when it comes to each individual vendor, you may approach them right away with an amount you’re ready to spend and ask them to present you with possibilities for what they can deliver within your budget.
Our bokers can assist in working out your maximum borrowing and compare to your budget. There is no worse feeling than seeing what is feasible (without first debating the budget) and then having your expectations deflated once money becomes an object. Budgets should be prepared ahead of time but still allow flexibility during the planning cycle.
Things To Consider
1. Know your expectations – Do you have a preferred venue? Does your partner want a popular wedding band that’s booked months in advance? Will you have dessert tables and a wedding cake(s)? Write out all your wedding and event expectations upfront.
2. Assess priorities – Whether you wear three outfits or one, your wedding is about celebrating love with family and friends. Thus, it may be wise to save money on a simple wedding. Instead, budget wisely and prioritise what you and your spouse value.
3. Budget realistically – Most Australian couples start preparing with $25,000 for their dream wedding. Naturally, most overspend 25%. Whilst a wedding and event loan may enable you to spend more, also keep in mind the post-wedding payments.
4. Plan – Many resources exist to prepare your wedding budget. The MoneySmart wedding budget planning template allows you estimate how much you can save before the big day by including your and your partner’s expenditures. This can save from budget bill shock later, and also ensure your expectations can meet your means.
What does it take for an event finance & wedding loans?
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
Specialists Loans
- 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
Credit Impaired
- Discharged bankrupt
- Listed defaults
- Late payments
- Low credit score
- Limited credit history
