Services
We are committed to developing a comprehensive understanding of your personal and professional needs and then tailoring a solution specifically for you.
Home Loans
At Distinctive Finance, our role is to help make the process of securing your property straightforward and seamless. Whether you’re a first home buyer, upgrader, renovator or property investor, we can help find the right loan for your needs and manage the paperwork for you right through from loan application to settlement.
Our aim is to remove the stress of securing your home loan by partnering with you, empowering you with choice and knowledge and guiding you through every step of the process.
During your initial consultation, we will discuss both your short and long term finance and lifestyle goals. Based on this information, we will then research and compare home loans from a wide range of lenders to find the right options for you. Put simply, meeting with Distinctive Finance is like visiting multiple banks in a single appointment.
We will then prepare and present your tailored report with how much you can borrow, how much you can afford to repay and a selection of carefully researched recommended lenders.
We will clearly explain all of the loan features, costs and conditions. We will also negotiate with the lenders on your behalf to ensure that you obtain all of the available discounts and fee waivers that individual borrowers may not be eligible for.
Your dedicated Distinctive Finance specialist will also be on call at any time of the day to answer questions, clarify details or simply chat through the loan process.
At Distinctive Finance, we are committed to supporting your financial future and want to ensure you are always in the most competitive financial position possible, we will also conduct annual Home Loan Health Checks to determine whether you still getting the right deal for your changing circumstances.
Investment Loans
When you are considering an investment property or investment loan, it is likely that you are already familiar with the mortgage process – but there are often additional factors that may impact the decision about which loan is most suitable for you.
At Distinctive Finance, we can help you select the right loan option and structure that is aligned to both your personal circumstances and financial goals. Once we are clear about what you want to achieve and within what timeframe, we can help make you an informed decision around the specific features of your investment loan as well as your repayment strategy. For example, you may wish to pay off your loan as quickly as possible or you may want to minimise your repayments because your family is rapidly growing.
We will also consider if a redraw facility is important to you or whether a fixed loan might provide you with the certainty you need for the next few years. We can even explore options such as keeping your current home as an investment and using the equity you have built in it to fund the purchase of your new home.
At Distinctive Finance, we always want to ensure that our clients are in the best possible financial position so we will conduct annual Home Loan Health Checks. We understand that your personal circumstances and financial goals change over time and will make certain that your loan reflects this.
Mortgage Refinancing
At Distinctive Finance, we understand that your life never stands still – and neither should your mortgage. If change is afoot, it might be timely to search for a home loan that is more suitable to your current needs.
Competition in the lending market is fierce and with new loan options available, your current home loan may not have the range of flexible features that are now accessible to you. Given this, it is worthwhile revising your home loan on an annual basis to ensure that your current loan is still helping you achieve your financial goals and that it is still competitive in terms of its interest rate and fees.
Refinancing your loan may allow you to:
- Secure a better interest rate
- Switch between variable and fixed rates
- Reduce your monthly repayments
- Access equity in your home to build additional wealth or achieve personal goals e.g. home renovations, security for an investment property, taking a holiday
- Consolidate debts such as a personal loan, car loan or credit card
Once you are clear on your reasons for refinancing, our lending professionals will help you compare the various loan options available to you. We will ensure that that you understand the costs involved in refinancing and most importantly, how much you will save in the long term.
A year after the refinancing has occurred, we will conduct a Home Loan Health Check to ensure that the new home loan is still the most appropriate for your personal and financial circumstances.
Commercial Loans and Asset Finance
At Distinctive Finance, we can assist you with a range of commercial lending options including:
- Commercial property mortgages
- Construction loan
- Cash flow finance
- Asset finance
- Chattel mortgage
- Hire purchase
- Sale/lease back
We can help reduce the need for upfront capital for investment and improve the efficiency of your cash flow via a selection of commercial lending options. Our lending professionals will work with you to develop a strong understanding of your business growth objectives and partner with you to structure the most efficient funding vehicle to drive success.
At Distinctive Finance, we can offer flexible loan terms and conditions that vary from low-rate straightforward investment loans to more highly leveraged loans for construction projects, retail, industrial and commercial properties.
Car Finance
At Distinctive Finance, we aim to ensure that you avoid many of the common pitfalls when it comes to purchasing your new vehicle.
Our team have a wealth of experience when it comes to car finance and will help you make an informed decision that better suits your needs. In order to find the right finance option for you, we will compare multiple loans from our panel of selected lenders. There are various options available including:
- Car loans
- Personal loans
- Chattel mortgage
- Novated lease
- Hire purchase
We will ensure that you clearly understand the different loan or lease features, costs and conditions before you make your purchase. We will also negotiate with the lenders on your behalf to ensure that you obtain all of the available discounts and fee waivers that individual borrowers may not be eligible for.
We aim to make the process as effortless as possible, keeping you informed at every stage and even liaising with the dealership directly for you. Our business is relationship based, not transactional. Subsequently, we will make sure that your car finance will not jeopardise your future finance or home loan applications.
Debt Consolidation
At Distinctive Finance, we can help you take control of your finances by streamlining your existing loans and debts into one manageable loan. By bringing all of your outstanding loans and debts together, we can help you manage your repayments and give you a clearer picture of your financial future. Simplifying your banking with a single repayment can alleviate stress and confusion and also, save you time and potentially money.
By combining multiple loans and debts, we can often secure a lower interest rate on your debt consolidation loan thereby reducing the amount of overall debt, the amount of your monthly repayment and potentially, the time it will take to clear your debt.
During your debt consolidation consultation, we will discuss your financial goals and current circumstances. We will then compare debt consolidation and debt refinancing solutions from our panel of over debt refinancing solutions from a wide range of lenders and select the right option to match your unique situation. and select the right option to match your unique situation.
Our team will take care of all of the paperwork for you from application through to settlement and be available to answer any questions or concerns that you may have.
Our aim is to help you build a deeper understanding of the lending market and the various options that are available to you
Distinctive coaching and solutions
In many cases, it may not be a single loan that addresses all of your financial objectives – you may require a more personalised solution. At Distinctive Finance, we are committed to developing a comprehensive understanding of your personal and professional needs and then tailoring a solution specifically for you.
We have carefully analysed multiple lending products from a wide range of financial institutions so we can help you build a shortlist of options that are suited to your requirements.. We will outline the benefits of each loan and compare these across various funders so you can make an educated and informed decision.
Our team are continually motivated by a genuine commitment to delivering the best possible outcome for our clients, underpinned by a strong set of principles driven by integrity and transparency.
Education that empowers
At Distinctive Finance, we partner closely with our clients to assist them through the loan search, selection, application and settlement process. Our aim is to help you build a deeper understanding of the lending market and the various options that are available to you.
We firmly believe that education is the key and by guiding you through each and every step, we will ensure that you are are equipped with the knowledge and confidence to make an informed decision regarding your choice of loan.
It is our ongoing commitment to client education and personalised service that leads many of our clients to seek advice from us in regards to lending needs beyond their initial loan enquiry – from asset finance to deposit bonds, to risk and general insurance.
Our focus is on building lifetime relationships with our clients, and on simplifying the complicated. The Distinctive Finance team are dedicated to providing highly personalised service and are on call at any time of the day to answer any questions or concerns that you may have.