Parc Finance and Lending: Your trusted partner for all your finance needs.
At Parc Finance and Lending, we understand that finding the right finance can be a daunting task. That's why we're here to help you every step of the way, with a team of experienced and friendly professionals who are passionate about helping our clients achieve their financial goals.
Whether you're looking to buy your first home, start your own business, or refinance your existing mortgage, we can help you find the right finance solution for your needs. We offer a wide range of services, including:
We're also here to help you with all your personal finance needs, such as car and boat finance, investment loans, and insurance.
We're committed to providing our clients with the best possible service, and we take the time to understand your individual needs and circumstances. We'll work with you to find the right finance solution for your budget and goals, and we'll be there to support you every step of the way.
We know that choosing the right mortgage broker is an important decision, and we're here to earn your trust. We're proud to be a small, Australian-owned business, and we're committed to providing our clients with the personal attention and support they deserve.
Ashley has over 23 years of experience in Financial Services. He has worked for two major banks in lending product service roles and holds a Diploma in Mortgage Broking and Finance. In addition to his role as a Qualified Mortgage Broker, Ashley is also a Licensed Financial Adviser, where he provides expert financial advice and guidance to clients. Ashley is passionate about helping his clients achieve their financial goals.Ashley has a strong technical knowledge of the debt and finance broking industry, specialising in the provision of personal and business lending solutions.
Qualifications:
Just starting out and not sure what kind of loan you need? No worries! We are here to help. As a first home buyer, you can obtain finance from a financial institution (a loan) either to purchase or secure against the property, with our assistance. Features of a mortgage such as the size of the loan, maturity of the loan, interest rate, method of paying off the loan and other characteristics can vary considerably. It’s always best to speak with a professional mortgage broker to discuss your options. We can also help you determine your eligibility and apply for the First Home Owner’s Grant.
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.
Commercial property and business lending policies and interest rates are rarely found on lender’s websites. Unlike residential home loans, the pricing of a commercial loan can be negotiated based on your background in business and the security to be offered. If you need help to refinance or purchase commercial property, just contact us today.
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.
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.
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.
Need finance for another large purchase besides your home? You can also ask us to access competitive finance options for private cars and recreational vehicles, commercial vehicles, plant and equipment for your business and other kinds of small business loans for a variety of purposes. These finance options may include personal loans, car loans, a variety of leases, commercial leasing options, chattel mortgages and more.
The major benefit of using a broker to finance other large purchases besides property is obtaining finance that is tailored to fit your current financial circumstances and needs. With depreciating assets, the right finance can also potentially save you money on interest and fees, or potentially help you maximise your tax benefits.
AND MORE – Not sure what kind of loan you need for your current financial circumstances? That’s our job. We deliver tailored finance solutions chosen from a panel of leading lenders, and give you peace of mind that your loan is working for you. Contact us today to find out all the ways we can help you.
Whether you are a just starting out with your first home, or you are a seasoned investor, we are committed to providing you with the right home loan to meet your needs. We will discuss every aspect of your loan with you and ensure you understand the fine details – like competitive interest rates, offset facilities, unlimited additional deposits and redraw facilities. You can rely on us to provide you with customer service that you will value for the life of your loan, and that we will continue to support you in achieving your future goals.