PFA specialises in organising funding and advice for its clients’
financial needs, particularly in dealing with:
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Property purchases; residential,
commercial, industrial, retail, rural |
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Refinancing and equity raising secured against
property |
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Leasing of Plant & Equipment and Vehicles |
Specific features include the following:
Residential
PFA caters for current and prospective property owners from the
First Home Buyer to the professional residential property investor.
We will assist with the purchase of property, refinancing and raising
funding for personal use or investment by accessing equity held
in property.
Portfolio Restructure
In our experience, quite often investors that have accumulated a number
of properties over time find themselves bound to one Lender in a cross
collateralised security scenario which can make ongoing trading very restrictive.
Analysis of structures can lead to freeing up equity with the right product for further
investment, decrease vulnerability from exposure to one lenders’ credit policy and
increased efficiencies in terms of fees and charges.
Lo Doc Loans
These facilities are ideal for PAYG and self employed borrowers,
whether they be investors or owner occupiers, that want to “self
certify” their income rather than provide payslips, tax returns
etc. They are particularly useful for those that have yet to have
completed their current returns, where the current figures do not
accurately reflect their current position or where applicants have
been in employment or business for a short term.
Credit Problems
Where borrowers have had problems in the past such as late payments
due to becoming unemployed temporarily, illness, accident, relationship
splits or business failure. You may be surprised as to how possible
a positive outcome may be.
Commercial / Retail / Industrial / Rural
Refinancing and purchase of all types of property whether it be
for the investor or owner occupier.
Development
PFA will gladly arrange funding for purpose built dwellings or for
speculative purposes with flexible terms to suit you.
Vehicles / Plant & Equipment
Why tie up precious cash flow with the purchase of vehicles and
plant & equipment when you can lease?
Funding Process
Rather than leave the client waiting and guessing as to
what stage they are up to in the financing process, we understand
that keeping the client informed is of paramount importance. Below is the general order of events:
1. |
Initial consultation – tell us your story |
2. |
Research is conducted on products, conditions, terms and pricing |
3. |
Product recommendations and quote provided to the client |
4. |
Client approval to proceed |
5. |
Collection of any outstanding supporting documentation and
completed application |
6. |
Submission prepared on behalf of client and submitted to lender |
7. |
Further favourable pricing / conditions negotiation where
appropriate with lender if required |
8. |
Communicating and explaining lending decision |
9. |
Monitoring of valuation inspections and reporting, document preparation and the settlement process |
Along the process we are constantly monitoring the progress of
your file to ensure that it never becomes stationary e.g. it doesn’t
become part of a lender’s In Tray for a fortnight when staff
go on leave (it happens!).
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