YouSelect Solutions!Ph: 1300 8 735328 (1300USelect)
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YouSelect Solutions Services:YouSelect Pty Ltd is a general brokerage company with access to multiple lenders, which allows us to provide finance that meets our clients personal and/or business needs. All our consultants are formally qualified and have many years in the finance industry to ensure you get the best service possible.
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Commercial LoansAt YouSelect Home Loans we take the time to get to know your business and then customise a solution that suits your needs. We understand that each business is different from the next. So we visit you and get to know your business, personally! We are pleased to offer:
With access to more than 20 major Australian financiers, you can be sure that the deal we do for you will be one of the best available in the market. Plant & Equipment LoansNeed new plant and equipment to grow your business? Or just looking to update and deliver new efficiencies? We can customise a solution that suits your needs. Whether you need $15,000 or $15,000,000, YouSelect Home Loans can quickly negotiate a competitive deal for you. We have access to more than 20 major Australian financiers, which means we deliver plant & equipment loans with very competitive rates and excellent terms and conditions.
With access to more than 20 major Australian financiers, you can be sure that the deal we do for you will be one of the best available in the market. Phone: 1300 U Select,
that's 1300 8 735328 to arrange an appointment. |
Cashflow FinanceDon't let your Business suffer from Slow Payments of Accounts!YouSelect Home Loans can enable you to access Debtor Finance and Invoice Finance solutions to suit your business needs. There are three main types of cashflow finance:
Factoring allows a business to secure cashflow against its invoices but the financier manages the collection of invoices and the maintenance of the debtors ledger. It is suitable for all businesses that sell on credit terms to other businesses, but particularly those that lack the resources and expertise to manage their debtors efficiently, and those going through rapid growth phases. Factoring is an alternative to a costly bank overdraft, yet - without the restrictions of an overdraft. Invoice Discounting is for businesses who wish to access the money tied up in their invoices, but who wish to collect their invoice payments and manage and maintain their own debtors ledger. It is designed for well-established companies who sell to other businesses on credit terms and who have expertise in managing and maintaining their debtors ledger. Export Factoring - Exporters face cashflow management challenges. All too often, goods are held up on docks and invoices take longer than expected to be paid. Overseas buyers increasingly expect favourable credit terms, which they are able to obtain in their local markets. To compete in this market you will normally have to provide equivalent trading terms. In addition you will have to deal with the complex and time-consuming job of collecting overseas payments, handling different currencies, languages and banking procedures. Instead of requesting Letters of Credit from your overseas customers, you can offer them open account trading terms while retaining the benefit of a cash drawdown facility. Phone: 1300 U Select,
that's 1300 8 735328 to arrange an assessment of your Cash Flow options. |
Home LoansAt YouSelect we offer a Client Management Service to provide our customers with a...
that's our commitment to you.
YouSelect Home Loans - we are Finance & Mortgage Brokers who also act as your Personal Client Managers. While we have a large range of lending products available from reputable financial institutions, however, our point of difference is that we really aim to provide "service of yesteryear". Customers of YouSelect Home Loans actually know their Client Manager, a relationship reminiscent of years gone by. Our Client Managers have a life-of-the-loan active involvement with their clients and furthermore assist them in the areas of:
YouSelect Home Loans can teach people how to budget. Budgeting does not mean we stop people from spending, but the majority of Australia's population is not proficient in money management, goal setting, wealth creation and rapid debt reduction. We teach our customers to understand where their income earned is going, so that they can make an informed decision on all future expenditure. Running hand-in-hand with the budget program is the goal setting program. Rapid debt reduction in conjunction with a 'state-of-the-art' home loan is the net result of effective money management and goal setting. Our Client Managers have a variety of options available to them in order to present the best solution to suit a customer's specific situation. They've also developed expertise in the type of mortgage financing each lender prefers to pursue, and this kind of knowledge not only results in the most favourable loan, but often whether a loan project is funded at all. A client's typical response to our service has been. "...we had so many questions about getting a Home Loan. Allan from Youselect Home Loans helped us by assessing our situation, showing us the options available, providing recommendations, and finding us the loan that best suited our needs. This saved us valuable time and money. we were really impressed with knowledge he shared about good debt / bad debts, cashflow, and future planning. We got so much more than a Home Loan, and couldn't be any happier!"To learn more about your getting a Home Loan with your own Client Manager, contact Youselect Home Loans on...
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Pre-Insolvency / Bankruptcy Consulting & Personal Debt ManagementYouselect Solutions has been established to assist people through the stress and trauma associated with financial hardship and personal trauma. Tasmanian owned and operated, you can talk face to face with a real person. After hours appointments can be arranged. We will exhaust all other options available, including refinancing before any bankruptcy and/or insolvency action is taken. Any agreement entered into must be affordable. Debt agreements/ Bankruptcies / Insolvencies are confidentially managed by our competent staff and trusted associates. We can assist you with both personal and business debt: YouSelect Solutions
Phone: 1300 U Select,
that's 1300 8 735328 to arrange an appointment. |
Non-Conforming LoansAt YouSelect Home Loans we understand how easy it is these days to have something affect your credit rating.
When the banks don't listen (or don't care!); we work hard to open the door of opportunity for you!
Looking to purchase a home or investment property? Wanting to refinance, access equity or consolidate your loans? Whatever the reason, we have access to Australia's best non-Conforming lenders to arrange finance! Phone: 1300 U Select,
that's 1300 8 735328 to arrange an appointment. |
Low Doc LoansLow Doc Home Loans were created to specially cater for the self employed and small business owners in Australia who can well afford a home loan, but can’t give income verification such as tax returns. Low Doc Loans can be either variable or fixed rate low doc loans. We understand that it is sometimes not easy to have two years personal tax returns, two years business financials and two year company or partnership returns all up to date. On this basis we have low doc loan lenders where part of the paper work for verifying your income includes a "Self Certification" letter. These are called Low Documentation home loans, or Low Doc Loans. As a general guide, Low Doc Loans can go up to 80% of the purchase price or the Lender's valuation (whichever is the lessor) of the proposed property to be purchased or refinanced. Low Doc Loans are still available, however New NCCP legislation requires that all Low Doc Loans now require income verification either by way of BAS statements, trading statements, and/or an accountant's letter of income verification. Phone: 1300 U Select,
that's 1300 8 735328 to arrange an appointment. |
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Registrations:-
Australian Credit Licence (ACL): 384635 I-Financial Pty Ltd Credit Representitive Number (CRN): 407898 YouSelect Pty Ltd + COSL: M0012888 Credit Representitive Number (CRN): 394802 Dr Allan Pearson + FOS: 29416 Finance Brokers Association of Australia (FBAA) Membership No: 2954 | PLAN Australia Membership No: T00031 |
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