Services
The world of financial services can be confusing, we provide insightful, plain English advice to simplify and enhance understanding of the process. Whether you're a first-time homebuyer, looking to refinance, or eager to invest in real estate, our services are tailored to meet your unique needs. From navigating the intricacies of loan structures to securing competitive interest rates, our team is committed to guiding you through every step of the process.
Investment Loans
Investment loans are structured in a specific way to allow you to make the most of your assets and finances. We can work with your financial planner and accountant to ensure your loan is set up to meet your specific needs, and we have access to competitive loan options that can help you maximise your investment returns.
Standard Variable & Fixed Rate Loans
The variable rate loan offers more features and flexibility than the basic fixed rate loan, so the rate is usually slightly higher. Fixed rate loans are set at a fixed rate for a specified period – usually one to five years. This gives you the advantage of knowing how much your repayments will be, allowing you to organise your finances without the risk of rising interest rates. However, this advantage is offset by the possibility of not benefiting from a drop in rates.
Commercial Loans
We are dedicated to empowering businesses by providing comprehensive support in the realm of commercial finance. Whether you are expanding your business, acquiring new commercial property, or seeking capital for development projects, our team of experienced professionals is committed to guiding you through the complexities of commercial finance. We understand that each commercial purchase is unique, and our tailored solutions reflect this understanding. SPM Finance collaborates closely with clients to assess their specific needs, financial goals, and risk tolerance, ensuring a personalised approach to securing commercial funding. Leveraging our extensive network of lenders, we negotiate favorable terms and competitive interest rates, delivering financing options that align with your business strategy. From initial consultation to the finalisation of the deal, SPM Finance is your reliable partner in navigating the intricacies of commercial finance for successful commercial purchases. Let us be the catalyst for your business growth and financial success.
HoneymoOn Loans
A honeymoon loan (or introductory loan) is a loan with lower interest rates or lower repayments for the first six to twelve months. After the ‘honeymoon’ term, the loan becomes a standard variable rate loan and the repayments will change to include the current standard variable interest rate. When taking out a honeymoon loan, it’s important to make sure you can meet the potentially higher repayments for the remainder of the loan. You could also be faced with a fee at the end of the honeymoon period if you want to switch to another type of loan.
Bridging Loans
A bridging loan may be necessary to cover the financial gap when buying one property before your existing one is sold. This finance is secured against the existing property (utilising equity) and the new property being purchased. Usually, bridging loans are short term (normally 6 months) to allow for the sale of the original property and more expensive than other types of loans. There are alternative ways to finance a change from one home to another, so please talk with us to discuss your options.
Asset Finance
We pride ourselves on being your trusted partner in navigating the complexities of asset finance. Whether you're a business owner looking to expand your operations or an individual seeking to acquire essential assets, our expert team is here to guide you through the process. We understand that securing the right financing for your assets is crucial to the success and growth of your endeavors. Our dedicated financial professionals work closely with you to comprehend your unique needs, offering tailored solutions that align with your budget and business objectives. With access to a diverse network of lenders, we negotiate competitive terms and provide strategic advice on structuring asset finance to optimise tax benefits and improve cash flow. From equipment and machinery to vehicles and technology, SPM Finance is committed to facilitating your access to the assets essential for your success. Partner with us, and let's build a financial strategy that propels your business forward.
