Home Loans and Mortgages

The road to home ownership can seem daunting at times, but it doesn't need to be. It's easy to become overwhelmed by the confusing terms and jargon often used by lending institutions when organising your business/home loan, but that's where your Mortgage Broker at ISL steps in.

We have worked hard to align ourselves and create strong relationships with all major banks and lending institutions in Asia, UAE, Europe and beyond, and are constantly educating ourselves about the latest products on offer. We use state-of-the-art software which allows us to access thousands of products to ensure you choose the right loan package for your business.

At ISL we understand you want positive solutions and great service when choosing a business loan. That's why we have a streamlined application process to ensure nothing is missed. It's our job to make the process of organising the finance for your business loan as simple as possible.

Investment Loans

There is a lot to know about property investing, and one of the most important factors is choosing the best investment loan that is in line with your personal requirements and objectives.

Investment loans vary depending on what you are looking to achieve. They can be very simple like your standard loan, or something more complex that helps you make effective use of tax, gearing and repayments.

If you have sufficient equity in your existing property, you might consider an investment property. Whereas costs involved in an owner-occupied home loan are not tax deductible, investment loan costs are. These expenses include things such as interest, property maintenance, rates and depreciation. Our business Brokers are highly experienced, with everything you need to know in order to maximise the return on your investment and help you every step of the way.

Refinancing and Debt Consolidation

Like many people, you might be paying off a number of credit cards or personal loans, in addition to your home or car loan repayments. If your financial situation has become complicated, ISL can provide you with expert analysis about refinancing your existing loans or consolidating your debts into one repayment, as the loan you set up years ago may be completely inappropriate today.

That is why it pays to have an expert look at your existing business. Our business Brokers look at a number of factors including:

• Interest rates
• Comparison rates
• Loan structure
• Fees
• Switching / discharge costs
• Your personal requirements and objectives
• Aligning your home loan with your lifestyle and financial goals

Personal Loans, including Motor Vehicle Finance

Whether you are planning a dream holiday, purchasing a new car, or just trying to cover the costs associated with repairing the old one, ISL can help you find the right loan to best suit your needs.

We are accredited with all of the major banks, as well as some niche lending institutions that specialise in unique situations.

Call us now to ensure that you get the best deal, at the best rate.

Property Development

Finance for property development is a specialist market that requires expertise and knowledge in order to provide accurate information.

We have a number of Commercial Finance Brokers who are commercially accredited with the major banks and lending institutions, and understand all aspects of property development such as LVR's (Loan to Value Ratio), LDCR's (Loan to Development Cost Ratio), GRV's (Gross Realisation Value), in-one-line valuations and pre-sales. We also have access to a number of second-tier lenders and other private funders that can assist with equity or mezzanine debt funding.

We do the research for you and compare all available offers to ensure you are not only getting the best interest rate, but also the best deal. There has never been a more competitive time in the commercial property sector, so talk to ISL about how you can get into the market.