Finance Options Beyond Your Home Loan
Whether it’s a new car, a personal purchase or using equity in your home, we’ll help you choose the right loan option for your situation.
Every financial decision comes with different structures, requirements and long-term implications. Our role is to simplify the process, explain your options clearly and ensure you understand how each solution aligns with your goals.
With access to a wide range of lenders and tailored lending strategies, we guide you through every step — from comparing products to submitting applications — so you can move forward with confidence.
Equity Loans
An equity loan allows you to access the usable equity you’ve built up in your home. This can provide funds for renovations, investment strategies, purchasing additional property, major expenses or consolidating existing debts.
Lenders assess available equity, your financial position, repayment capacity and the purpose of the funds. Depending on the lender, it may be structured as a top-up, separate split or new facility.
We guide clients through this process and help explore suitable borrowing options.
Self-Managed Super Fund (SMSF) Lending
SMSF loans allow trustees to use their super fund to purchase certain types of investment property via limited-recourse borrowing arrangements (LRBA).
Because SMSF lending is heavily regulated, lenders require specific structure, documentation and compliance. Loan-to-value ratios and processes may differ from standard home loans.
We explain how SMSF lending works, clarify the structure and coordinate with your accountant, planner and legal team where required.
Personal Loans
Personal loans provide access to funds for travel, medical costs, events, renovations or consolidating smaller debts. These are typically unsecured, though secured options may be available.
They suit individuals who need quick access to funds and prefer predictable repayments over a fixed term.
Fast Track Home Loans connect clients with trusted specialists who compare options and simplify the application process.
Car Loans
Car finance helps purchase new or used vehicles for personal or business use. Options vary depending on whether the loan is secured or unsecured.
Lenders assess vehicle type, age and your financial position. Rates and terms differ depending on structure.
We introduce you to experienced car-finance specialists who compare options and support you through the application process.
Frequently Asked Questions
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How do I access equity in my home?
You can access your home equity by refinancing, increasing your existing loan (top-up), or creating a separate loan split. Lenders assess your usable equity, income, expenses and repayment capacity before approval.
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Can I use my SMSF to buy an investment property?
Yes, through a Limited Recourse Borrowing Arrangement (LRBA). SMSF property lending requires strict compliance, specific structures and lender criteria. Professional advice from an accountant or financial planner is essential.
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What is the difference between secured and unsecured personal loans?
A secured loan uses an asset (like a car) as collateral and often has lower interest rates. An unsecured loan does not require collateral but may have higher rates depending on risk assessment.
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How much can I borrow with a car loan?
The amount depends on your income, expenses, credit profile and the vehicle type. Lenders also consider whether the vehicle is new or used and its age.
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Is it better to refinance or take out a personal loan?
It depends on your goals. Refinancing may offer lower interest rates if you have usable equity, while a personal loan may provide faster access to funds without changing your home loan structure.