Personal Loans
Are you looking to finance a big purchase, consolidate debt, or cover unexpected expenses? Personal loans can help you achieve your goals, whether it's a wedding, a dream holiday, or a home renovation.
Types of Personal Loans
- Unsecured Personal Loans: No collateral required, fixed interest rate
- Secured Personal Loans: Use an asset as security, lower interest rate
- Variable Rate Personal Loans: Interest rate may change over time
- Fixed Rate Personal Loans: Locked interest rate for the life of the loan
- Debt Consolidation Loans: Simplify multiple debts into one loan
Key Considerations
- Interest Rate: Competitive interest rates apply, often variable or fixed
- Loan Amount: Borrow from $1,000 to $100,000 or more
- Loan Term: Typically 1-7 years, with regular repayments
- Fees and Charges: Understand all associated costs
- Credit Score: Your credit history and score can impact loan approval and interest rates
Features
- Flexible Repayment Options
- Redraw Facility
- No Early Repayment Fees
Tips for Securing a Personal Loan
- Prepare a Budget: Understand your income and expenses
- Improve Your Credit Score: Ensure your credit history is strong
- Reduce credit card limits & other unsecured debts where possible.
- Ensure you manage your bank accounts and other debts properly i.e. no overdrawing, no missed payments, no arrears balance.
Personal loans can help you achieve your goals and finance your dreams. By understanding the types of loans available, key considerations, and tips for securing a loan, you'll be well-equipped to make informed decisions about financing your personal needs. Always seek professional advice to ensure you're getting the best deal for your circumstances.
Mitch has helped ‘clear the muddy finance waters’ for us and is ever so obliging with the many dumb questions we’ve asked him over the years...You will not find a nicer, more genuine broker that always has your best interests in mind.
Ash & Simon - Long Time Clients
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Suite 16, Building 7, 49 Frenchs Forest Road East, Frenchs Forest New South Wales 2086, Australia
The information provided on this site is on the understanding that it is for illustrative and discussion purposes only. Whilst all care and attention is taken in its preparation any party seeking to rely on its content or otherwise should make their own enquiries and research to ensure its relevance to your specific personal and business requirements and circumstances. Terms, conditions, fees and charges may apply. Normal lending criteria apply. Rates subject to change. Approved applicants only.
There may be occasions where you may be charged a fee by your broker.
Your broker is able to assess each lender's approval times and identify those that can provide approval quickly, however this is subject to change and can vary significantly based on how complex is your loan application and how quickly you’re able to provide the information we need.
Not all lenders are available to all brokers. The exact details of the lenders your broker has access to is disclosed within the Credit Guide your broker gives to you when providing credit assistance or is available upon request.
The way in which your broker will stay in touch with you will differ, however typically this will be via email. In addition you will be able to contact them for guidance as required. You are able to opt out of these communications at any stage.
Sabea Group Pty Ltd T/As Sabea Financial
Suite 16, Building 7, 49 Frenchs Forest Rd East, Frenchs Forest NSW 2086
Copyright © 2024 Sabea Financial - All Rights Reserved.
ABN 866 538 232 53 | CRN 539602
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