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Why Home Loan with Rapid Lodgements | Your finance, Our responsibility

Why Home loan with Rapid Lodgements?

Any credit application could be daunting, primarily when related to dreams, property,
emotions, or other challenging factors out there.

Free Consultancy:

We provide free consultancy and assist you in assessing any financial situation.

Priority Queuing:

We are closely connected to your associate lender and can have the capability to prioritize your case and notify the lender accordingly.

Dedicated Specialist:

To make your journey smooth, we provide a dedicated specialist to specialise in your case and tailor the perfect offer to attend to your financial needs.

Explore The Rapid Home Loan Categories

We have various categories of home loans you can choose from.

A big step towards a better future

Purchasing your first home is undoubtedly one of the most significant financial choices you will ever execute.

An experienced individual must accompany you to ease this journey. Let one of our highly skilled and friendly team members take the wheel. They will move along with you, explaining every step and making it a memorable journey.

Find the right fit for you.

We will analyse your papers and work for you to guide you in the right direction.

Never settle for ‘NO’ as an answer.

We have succeeded several times in settling products with clients previously denied by the bank or other brokers. The Rapid Team works for you, not the bank. Our brokers understand your circumstances and examine every possible outcome to grant you the settlement.

They are experienced with various situations, yet they also acknowledge that every loan for every individual is different. We welcome the differences and accept the challenges.

A home for yourself?

When buying a property to live in, you must make an informed and measured decision. Rapid Lodgements draws on its years of experience in the sector to provide you with the finest recommendations possible. Many of our prior pleased consumers have backed up this assertion.

We want to give you a desirable conclusion that makes you reflect on your time with us and return to us for any future financial decisions.

Visualise the entire picture

We are currently working with 80+ lenders, so; low rates are not our concern; it is a given. Along with low rates, we thrive on settling you with exceptional features. We provide you with all the suitable options and let you choose.

We suggest various products we deem appropriate for you to be less overwhelming, but the decision is always yours.

Ease the Process.

It is vital to get familiar with the housing market before investing in a property. All consultations are on us. It serves you best if you have an experienced firm by your side while making the decision.

Prepare for the procedure.

A strategic approach is essential. Comprehension of your ultimate investment goal has to be crystal clear.

Your goal will influence the type of loan you should go with to maximise your profitability. Our simple and easy decision matrix will help you pin our goal and work together to reach there.

Perks of Investing in the right property.

Investing in the appropriate property comes with various perks. It can generate both residential and commercial rental income.

These properties can be a good source of a stable, constant cash flow. Moreover, they will generate equity. In the long run, investment properties can be an excellent retirement plan.

What is impaired credit?

Impaired credit occurs when there has been a deterioration in the creditworthiness of an individual or entity. This is usually reflected through a lower credit score, in the case of an individual, or a reduction in the credit rating assigned to an entity or debt issued by a rating agency or lender. If your situation is complicated in any way, we’ll do our best to help.

We assess on your merit

We get that real life happens and whatever your story, we’ll assess your whole situation on its merits. Here at Rapid Lodgements, we can help people obtain finance that has credit impairment. There are many lenders in Australia that specialise in sub-major lending. These lenders are not discouraged by bad credit ratings, self-employment or previously denied requests for a loan.

Don’t let credit impairment dash your dream!

Speak to one of the loan specialists at Rapid Lodgements. There are still plenty of lenders out there willing to support your financial goals. Sometimes it’s just a matter of finding the right one. Here at Rapid Lodgements, we’ve helped many customers get loans that would have otherwise been rejected by major lenders.

Get settled before selling your existing property

There are times when you find a great property, but you are waiting to sell your existing one. A bridging loan acts as a bridge, allowing you to buy a new home while your old one is being sold.

How does it work?

The repayments continue as expected on the original loan only until that property is sold. This implies that even if you have two homes, your monthly loan payments will stay the same.

The size of your bridging loan is computed by adding the value of your new house with your existing mortgage, then deducting the probable market value of your current residence. This is the principle of your bridging loan, referred to as your “ongoing balance.

Bridging loans are interest-only

Meaning, interest will be compounded monthly on your ongoing debt at the regular variable rate during the bridging term. When you sell your house, the interest payments will be added to the outstanding debt, and this money will be used to finance the new property.

Bridging Loans are here to help

If structured correctly, with realistic time frames and price estimates, a bridging loan can ease the pressure of matching up settlement dates and give you time to sell your existing property whilst securing your new property.

Use the tied up money in your home

Many seniors are now living in homes that hold much of their wealth. By accessing some of this wealth without moving, you can do the things you need, or have always wanted to do and live the retirement you deserve. Our Reverse Mortgage solution enables you to use some of the money tied up in your home without having to sell it by taking out a loan secured against your home.

‘How’it works

The total loan amount, including accumulated interest, is repayable when you move permanently from your home; this could occur when you sell your property, move into long-term care or pass away. You continue to own and live in your home for as long as you wish, benefiting from any potential increase in property values. Making regular repayments is not necessary, although you are free to do so at any time.

PROMISE ONE – Lifetime Occupancy

Your home will remain the place you live in for as long as you choose.

PROMISE TWO – No Negative Equity Guarantee

The amount required to repay the loan will never exceed the net sale proceeds of the property.


PROMISE THREE – Loan Repayment

There is no requirement to make any loan repayment until the end of the loan.

Take the stress out of ‘borrowing’

If you have a bad credit history or have done something wrong in the past may affect how the banks look at your application. But private lenders are less rigid with their requirements and you’re way around the big banks. Many non-bank lenders are associated with us, and we can show you their offer alongside the banks. You can compare and contrast your options and go for the best-suited one.

Low credit score?

Traditional financial institutions can be strict with the credit score, and having a bad credit score can lead to a disheartening conclusion. A private lender can look around that and take a chance on you if your papers are organised persuasively.

Faster processing time

As private lenders are not too concerned about a load of documents, they usually look for people to trust and can let you off if you have the right kind of documents. The processing time with private lenders is impressively fast and easy. The Rapid team can analyse your situation and offer you a quick solution regarding your finance.

Feeling sceptical is the norm

A loan is, in general, a big step towards the future. Taking a loan out from a private lender can raise many questions. That is why we are here to answer your questions. We will show you all the perspectives of taking out the particular loan. As long as you are making an informed decision, you are in control of your finance. Your and their finance is wholly protected and documented. So you can leave it to our professionals to help you throughout the whole process.

Aussies living overseas are welcomed

Around one million Australians live and work overseas at any one time, many of whom are looking to buy a property in Australia as an investment or live in when they return. There is also a large contingent of expatriates who already hold Australian property and are looking to access equity or refinance to consolidate debt. However, these requests often go unanswered by their existing financier. For these reasons, we have established our International Borrower Loans, catering for both non-resident and expatriate borrowers.

‘How’does it work?

Under Australia’s foreign investment framework, foreign persons generally need to apply for foreign investment approval before purchasing residential real estate in Australia. Foreign borrowers need to apply and receive foreign investment approval before purchasing new dwellings and vacant residential land for development. Applications to purchase new dwellings are usually approved without conditions. Applications to purchase vacant land are typically approved subject to construction being completed within four years (to prevent land banking). Once new dwellings are built or purchased, they may be rented out, sold, or retained for the foreign investor’s use.

Take the stress out of ‘borrowing’

If you have a bad credit history or have done something wrong in the past may affect how the banks look at your application. But private lenders are less rigid with their requirements and your way around the big banks. Many non-bank lenders are associated with us, and we can show you their offer alongside the banks. You can compare and contrast your options and go for the best-suited one.

 

Reputable Lenders you can choose from

We are working with a massive choice of lenders. We have all tires lenders under our belt. We know every one of our clients is different,
keeping in mind we have multiple lenders and products.

Extras with Rapid Lodgements

To cater for all situation, we are equipped with all the necessary services

  • Additional benefits and services

  • Real Estate Research

    Researching the property market comes down to a range of factors, including supply and demand, economic and demographic trends, and keeping tabs on future developments that may be scheduled in the pipeline. We leverage information offered by top Australian property data sources to help us understand different property markets. We have a dedicated team for property industry research.

  • Property Report

    We do have access to top Australian property data sources for the property market. “We do have access to top Australian property data sources for the property market. We can provide you with a comprehensive report of your nominated property, which will help you make an informative decision. The report will contain a breakdown of the median value of properties within the area, the number of people residing within the area and the number of properties within the suburb.

    You can also view the demographics of the suburb, which details the spoken languages within the area (64% of people speak English in Bondi), the nature of homeownership (54% of people rent in Bondi) and the distribution of property types (69% of Bondi properties are units).

  • Land Value

    We are registered agents with ASIC and NSW registers. With a concept, we can provide a detailed value of the land which the state government valued.

  • Credit Report

    90% of Australians do not know what is going on with their credit scoring. We strongly believe that we should run a comprehensive credit report before we choose a lender. We do have access to the top Australian credit reporting bureaus.

  • Calculators

    We do have a wide range of calculators in our service tab. Which will help you, go run some self-testing if you are not sure. Remember, we are always here if you find the calculator is a bit complex to operate.

  • Associate Partners

    After working in the industry, we have developed relationships with industry professionals closely related to property markers. We can always direct to the right direction according to your need.

  • Client Visit

    We have BDMs who can easily visit you for a face to face meeting or signing contacts. Furthermore, we got you covered if you are not able to come to our office.

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