AUSTRALIAN CAPITAL LENDING ON PROPERTY TYPES

Like home loans themselves, properties come in all shapes and sizes. And occasionally, the less-than-conventional property is more difficult to get financed. Fortunately for you, that’s where our highly qualified experts at Australian Capital Lending come in. From flood zoned properties, which the banks require assurance that a flood is a once in a century occurrence, to stratum title units, which the banks believe are increasingly hard to service and can approach apprehensively. With the help of Australian Capital Lending, however, we can assist to assure the lenders that the property you purchase is a safe investment.

Remarket Value

This is a key concern of the bank. If the bank or financial institution believes there will be little demand on your property should it be placed back on the market for any reason, they may prove unwilling to issue the loan required to purchase the property in the first place. Australian Capital Lending can present your case in a credible manner, and accrue some statistics and background on similar properties of your type. In many of these cases, your Loan to Value Ratio will prove critical. Let out proven team of highly qualified experts help you.

WHAT IS LOAN TO VALUATION RATIO (LVR)?

As an example, let’s suppose you want to buy a property that is worth $500,000, and you already have $100,000 saved as a deposit, which means you require to borrow the remaining $400,000. If that is the case, you require to borrow 80 per cent of the total value of the property. The lower the LVR, the less risk is posed to the lender because you have been recognised as being a proven saver due to the initial deposit.

PROPERTY TYPES INCLUDE:

  • Studio apartments
  • Postcode restrictions
  • Off-the-plan units
  • Heritage-listed properties
  • Multiple units
  • Luxury homes
  • Owner-builder construction
  • Empty warehouse conversions
  • Hotel/motel conversions
  • Mining town properties
  • Inner-city units
  • University student accommodation
  • Rental guaranteed properties
  • Company title properties
  • Country homes
  • Vacant land

OUR SERVICES

At Australian Capital Lending, we believe the nature of your desired property type – no matter how abstract or unconventional – should not preclude you from buying a home. Employ our expert services to find out how we can present a case to broker a deal with a bank or financial institution to suit you.

AUSTRALIAN CAPITAL