YouSelect Home Loans!

YouSelect Home Loans
We Arrange ALL types of Mortgages, Loans & Finance
(Debt & Equity)!

Home Loans

The right time to buy

In many circumstances, owning a home can be a very advantageous and a smart choice. Choosing the right time to buy is one of the most important steps in making the decision towards home ownership. There are points in the life cycle that owning a home makes more sense than at others.

For young adults who are not ready to settle down, buying a home may be premature, as it is harder to move when there is a house to sell first. Therefore, it may be smarter to wait to buy a home until other life decisions have been made, such as career choices, and the area that one wants to live.

If you are not ready to buy a home to live in, you may decide to buy an investment property instead. This is an excellent market-entrance strategy so that you can watch your capital contribution increase over time at a far greater rate than leaving your money in the bank. Investing in property has the added benefit of providing you with tax gearing benefits.

Building Equity

When such life choices are settled, then many of the benefits of homeownership are more useful. Instead of paying rent, the homeowner is building equity. Because this is a process that takes place over a period of time, its value isn’t fully realised unless it is in a place that a person intends to stay for a while. Every time you buy and sell, there are significant costs involved.

Property ownership, whether it is for investment or to live in, is a smart choice. Once you have accumulated enough savings or have reached a point where your income is secure and the risk of defaulting on a loan and seriously damaging your credit rating is minimal, then, at that point, the benefits of home ownership outweigh the disadvantages, and you are ready to start shopping for the right loan and home for you.

Protect your Investment

Achieving the Great Australian Dream of homeownership is certainly a worthwhile goal, but keeping that dream and being able to have the time and energy to enjoy it after you achieve it is just as important as reaching that goal. So when you do decide to purchase make sure that you have enough money to insure...

• Your own property - against risks such as fire, flood, storms, fixtures and fittings
• You and your family - against sickness, injury, death, loss of income.
• Rental property - against risks such as fire, flood, storms, fixtures and fittings, loss of rent, accidental and/or malicious damage.
• Your mortgage - loan protection insurance is available which can make your loan payments if you become involuntarily unemployed or suffer an accident or sickness.

ReFinance

Refinance an Existing Loan

YouSelect Home Loans is a great choice for refinancing an existing home loan, or an investment property loan, or a business loan. Why?

The main reasons are:

• Want to deal with a person who is professional - BUT still friendly and helpful!



• Access to loan products with better features and flexibility.



• Want to access additional equity for other purposes.



• To save money with a lower interest rate, to pay off my mortgage sooner.

• This time, you know the ropes. If you want, you can get started on your application right away. A YouSelect Home Loans consultant will contact you to tie up any loose ends and provide a conditional pre-approval ASAP.



• This time, you're not dazzled by honeymoon rates, special offers and those small ongoing fees that all add up to one thing: a higher rate. You want a true, direct rate that will stay low and save you money year after year.



• This time, you want a loan that doesn't tie you up with tricky conditions and hit you with huge penalties if you need to change properties. We have access to loans that offer a portability option.

What next?

Or send us an e-mail for more information on refinancing / consolidating your loan/s!

Construction & Renovation Loans

Brand New Homes

Wanting to build a new home to suit your individual style? Whether it be for residential or investment purposes, you may qualify to borrow up to 95% of the land and building contract value. With the construction loan facility you can build your dream home with less stress.

Renovation Loans

Buying a house to renovate or wanting to add an extension to an existing home? YouSelect Home Loans has the perfect loan for you! On-completion valuations may allow for up to 100% of the improvements being financed. Loans are available from as little as $30,000.

Owner-Builders

Our owner-builder loan was especially designed with tradespeople and small registered builders in mind. The owner-builder loan provides a chance to build equity in your property with your building trade skills. An owner-builder loan is a great way to add value to your property by using your professional skills to build verandas, extra rooms, garages, renovating bathrooms and kitchens. You may even owner-build your whole house.

Removal and Kit Homes

Purchase a removal home and enjoy the great savings and other associated benefits. Funds can be released prior to the home being fully erected on the new site, subject to the amount of equity in the property security.

Kit homes are houses that are made from pre-fabricated parts. Kit homes are a viable choice, particularly if cost is of concern, if you own a block of land and wish to build your own house, consider buying a kit home.

There are a number of companies supplying kit homes. In some cases you can send your own design to these companies who will provide you with a cost breakdown to design it. Alternatively, you can select one of their own designs, or suggest modifications to a basic design that allows you to add some of your own special features.

"Speccy" Loans

When you need speculative construction finance to build and sell, YouSelect Home Loans has lenders who will lend up to 80% of the value. Interest-only repayments are available for up to 5 years.

Credit Impaired Construction Loans

Clients with damaged past credit histories may also qualify for a construction loan. YouSelect Home Loans can make your construction loan application an easy process.

Commercial Loans

At 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:

• standard business loans
• Lo Doc(umentation)commercial loans
• construction loans
• leasing loans
• hire purchases
• chattel mortgages
• operating and rental finance
• novated leases
• master leases
• cashflow finance, and
• Small Scale Offerings

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 Loans

Need 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.

• small ticket Lo Doc Loans
• construction loans
• leasing loans
• hire purchases
• chattel mortgages
• operating and rental finance
• novated leases
• master leases
• cashflow finance, and
• Small Scale Offerings

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.

Non-Conforming Loans

At 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!

• Up to 85% LVR Available!
• Comapnies / Trusts - Ok
• 1yr only ABN Accepted!
• Past/current Credit Issues - will look at!
• Short Term Employment - OK
• Residential, Commercial, & Rural Properties - OK

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!

Business Debt Consolidation Loans

The purpose of a business debt consolidation loan is to simplify the administration of these debts and to improve cash flow for the business. At certain times business owners will have a range of business debt facilities including credit cards, small business loans, overdrafts, leases, loans against personal property and other assets. These debt facilities may have varying interest rates and varying repayment requirements and repayment terms.

The purpose of a business debt consolidation loan is to simplify the administration of these debts and to improve cash flow for the business. The consolidation of these debts into a more suitable term debt finance facility may assist business owners manage their business more efficiently.

If your business owns outright plant and equipment, you can borrow money against the plant and equipment.

The plant and equipment will be subject to an independant valuation, it must be unencumbered, and fully insured.

Depending on the type of plant or equipment, you may borrow up to 75% of the realisable value to use to grow your business.

Cashflow Finance

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
• Invoice Discounting
• Export Factoring

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.

Raise Capital For Your Company

YouSelect Home Loans can refer you to ASSOB (Australian Small Scale Offerings Board), which is the largest capital raising platform for growing, unlisted public* companies in Australia ($120M+ raised).

Via ASSOB, your company can raise between $250K and $5M via a simple, proven, rapid, and affordable process.

Through the ASSOB Secondary Sales System (at the bottom of each company profile page), ASSOB provides investors with a potential 'exit' mechanism without having to wait for a trade-sale, stock exchange listing, or other liquidity event.

* Public companies only

ASSOB only allows public companies to make capital raising offers through its platform (the ASSOB Primary Board). This is for three reasons:

1. Public companies require a minimum of three directors whereas private companies require only one. Having three directors reduces the chance of a company's direction falling to one individual without consideration of other's views.
2. Public companies must be independently audited annually providing another level of transparency for investors.
3. Directors of public companies can only refuse the sale or transfer of shares by their shareholders on legal grounds whereas directors of private companies can refuse sales or transfers for any reason without giving one. ASSOB does not believe that such power is appropriate where external investors are concerned.