Our Services
Credex Mortgage Solutions will assist you with all your loan borrowing needs. Our responsibility is to educate clients about the changes in the loan market & maintaining transparency throughout the lending process.
Owner Occupied
As the name implies, an owner-occupied home is one you purchase with the intention of living in it. Owner occupied home loans generally have lower interest rates than investment loans.
First Home Buyer
A first home buyer loan provides first-time property buyers with the means to break into the housing market. While it works as a regular mortgage, some lenders offer first home buyers rate discounts, waiver on fees, and loan features that can help them manage their finances while they service their loans.
Mortgage Refinance
Mortgage Refinancing is when a borrower either switches their home loan product with a different one that usually has a lower rate under their existing or a new lender. A refinance home loan refers to the home loan product borrowers switch to. Lenders sometimes offer a different set of home loans with their respective rates and features for refinancing applications. Borrowers usually refinance their mortgages to get a lower rate or update their loan features. When your home loan is left unchecked for quite some time, it can pale in comparison to the newer loan products being offered to new applicants. This makes it ideal for you to review your loans regularly and see if refinancing is necessary to ensure that your mortgage is still as competitive as the ones in the current market.
Investment Property
Whether you’re purchasing your first investment property or your third, you’re going to need an investment home loan to get you there. Investment home loans are a type of loan that allows investors to purchase a property with the sole purpose of making money off it by renting it out.
Investment home loans function in pretty much exactly the same way as an owner occupier home loan does. The only difference is that unlike an owner occupier home loan, you can only apply for an investment home loan for your investment property.
Low doc home loans
Low documentation home loans are for self-employed individuals who may not be able to provide traditional proof of income like payslips.
Land & Construction Loan
As the name implies, a land and construction loan is designed for the borrowers building a home, rather than buying an existing property. Construction loans work by following a process known as progressive drawdown.
Equity Release
Equity release is a financial arrangement that allows a person who wants to obtain money based on the value of their property. An equity release, also known as a ‘top-up loan’ is an additional loan on top of your current mortgage.
Equity is the difference between the current market value of your property and the amount remaining on your loan. As you pay off your loan, the equity you have in your property grows, and if the property’s value increases, your equity will go up as well.
Business Loans
Businesses, no matter of their size can apply for Business loans. This can only be used for their business. A business loan may suit your business if you need funding for a business acquisition, start-up costs etc.
Commercial Equipment & Vehicle loans
Vehicles & Equipment your business needs to thrive. These loans are designed to help you generate money for your business.
Personal Loans
If you need money to pay for a car, home renovations, a wedding or other purpose, you might be considering taking out a personal loan.
Secured personal loans require you to provide an asset as security.
Unsecured personal loans do not require you to provide an asset as security The interest rates on unsecured loans are higher on average than secured personal loans.
