Loans Explained

Home Loans

Owner Occupied Home Loans

Whether you’re upsizing, downsizing or looking for a sea change, the right owner occupier home loan will get into your next home sooner. From variable rates to fixed rates and home loan packages, our experienced team will be able to help you find a home loan to meet your financial goals.

Investment Loans

Looking to buy an investment property? Building a property portfolio is a great way to build long-term wealth. But it’s about more than finding the right property; you need to structure your finances in the best way. Here at finweb, we can help you find the right investment loan for your long-term strategy.

First Home Buyers

Found your dream home? Buying your first home is probably the biggest decision you’ve ever made. With hundreds of different home loan products on the market today, it’s little wonder many first home buyers feel overwhelmed. That’s why it makes sense to use a trusted mortgage broker to help you find a loan that will work for your budget and lifestyle.

Low Doc Loans

Are you self-employed or a small business owner? In the past, getting a home loan from the big banks wasn’t an option unless you could prove a stable long-term income. Luckily, Low Documentation loans are an ideal option for borrowers who don’t have access to the documents required to obtain a traditional home loan, such as PAYG records. They look at the borrower’s overall ability to service the loan.


Whether you’re upsizing, downsizing or looking for a sea change, the right owner occupier home loan will get into your next home sooner. From variable rates to fixed rates and home loan packages, our experienced team will be able to help you find a home loan to meet your financial goals.

SMSF Loans

Want to borrow using your self-managed super fund? An SMSF loan is a home loan that’s used by a self-managed super fun to buy an investment property. The returns on the investment, such as rental income or capital gains, as then directed back into the super fund to increase your retirement pot. Investing in property using an SMSF is more complex than normal lending. At finweb, we will work with you and your advisors to help make the whole process easy.

Bridging Loans

Need to buy before you can sell? Or maybe you haven’t sold your existing home before your new home settles? You can apply for a bridging loan to help you purchase a new property while you wait for the sale of your current property. We will help you find bridging finance to meet your individual needs, whether that’s short-term finance or longer if your new property is being constructed.

Reverse Mortgages (Seniors Equity Release)

If you’re aged 60 or over, a reverse mortgage can help you free up some of the equity in your current home and use it towards your new goals. In essence, you are borrowing money using the equity in your home as security, while you still own your home. Reverse mortgages can be taken as a lump sum (for a renovation or holiday), a regular income stream (to boost your budget), a line of credit, or a combination. At finweb, we’ll help you understand the opportunities and risks of a reverse mortgage and find the right solution for your lifestyle needs and goals.

Commercial, Car & Equipment Finance

Commercial Loans

Worried that a lack of funds is holding your business back? Getting a commercial loan can help solve business problems, buy you time in a difficult period, or open doors to new growth opportunities. Whatever the case, make sure you have clear goals before you apply for a business loan. finweb can provide access to a wide range of commercial and business loans, with the right features and options to suit your business.

Equipment Finance

Keep your business moving forward with the right equipment. Whether you want to lease your equipment or you’re looking for a short-term finance solution to grow your business, there are lots of funding options available to suit your needs. A revolving limit lets you purchase equipment on an ongoing basis up to an approved limit, so there’s no need to reapply for finance each time. You can opt to rent your business equipment and maintain your working capital. Or get your business equipment through fixed hire loan repayments, usually over a term of 1-5 years. With so many options, finweb is here to help you find the best solution for your business.

Motor Vehicle Finance

Buy a new or used vehicle with motor vehicle finance. Whether you need a stand-alone car loan or want to package your vehicle loan into an existing home loan, we can help you find the right loan so you can drive away in your dream car.

Planes & Choppers

Land the right plane or helicopter finance solution. Whether you need a new aircraft, full re-power or re-build, finweb can help you navigate through a range of aircraft and helicopter finance solutions tailored for a wide range of situations.

Invoice Finance

Tired of waiting months for invoices to be paid? Improve business cash flow with invoice finance. Invoice financing is a type of borrowing with reduced risk as it relies on your invoices as security. There are no interest rates or secured assets, only a steady stream of revenue using unpaid invoices owed to you.

Display Homes

Getting finance for a display home is not always easy. Most lenders won’t let you take a home loan on a display home or accept display homes as security for a loan. But it is possible to finance this unique type of property – let finweb show you how.

Why invest in a display home?

Display homes are the finest customised examples of what’s possible for potential buyers. The idea behind a display home is to fill it with top-end features to entice homeowners with a block of land to invest in the best of the best.

What many people don’t realise is that a display home can be an attractive investment in itself.

Here’s why:

  • Display homes are often a more affordable investment than other types of properties.
  • builders usually want to sell fast so they can invest in other projects.
  • Builders put more effort into making sure the display homes are the best example of what they can do.
  • High-end materials and finishes are included.
  • Buying a display home is less stressful and faster than building a similar new home.

The problem with financing a display home

The biggest challenge is that many display homes are bought under a leaseback arrangement. This is where you buy a home and lease it back to the builder while it’s used for display. At the end of the leaseback arrangement (usually no longer than 24 months), you can use the home as your residence or continue as a landlord for other tenants.

However, some lenders won’t finance a display home until the leaseback period with the builder has ended and the home is available to new tenants. Others won’t touch it at all.

Don’t miss out on a valuable investment.

The number of options might be limited for display homes, but they do exist. Talk to finweb about the finance options available. We can help you understand the criteria lenders will look at and work out whether a display home is the right investment for you.

Deposit Bonds

Don’t have access to the 10% cash deposit to secure your property or land purchase?

You’re not alone.

A growing number of Australian homebuyers are in the same frustrating spot. Here are some common scenarios:

  • First Home Buyers who simply don’t have enough cash sitting in the bank for the deposit.
  • Buying & Selling at the same time: You’ve fallen in love with a new home and need to put a deposit down to make sure it’s yours. But you won’t have access to the cash until the sale of your current property has settled, which could be months away.
  • Downsizing: Chances are your cash is all tied up in your property and assets. Maybe your current home isn’t on the market yet.
  • Purchasing Investment Property: You want to take advantage of a great property investment opportunity, but your cash is tied up in other properties.

Sound familiar?

A deposit bond could be the solution you’re looking for.

What is a deposit bond?

A deposit bond is used in place of the cash deposit required between signing the contract of sale and settlement.

Think of a deposit bond as an IOU for the deposit amount you need to secure your property. 

Here’s how it works:

  • A deposit bond guarantees up to 10% of the purchase price.
  • A deposit bond guarantees your commitment to an unconditional contract of sale, just like a cash deposit.
  • At settlement, you simply pay the full purchase price, including the deposit amount and any other costs, like stamp duty.
  • You pay NO interest – the only money exchanging hands is the deposit bond fee, which you pay to the deposit bond provider upfront.

Get Australia’s strongest deposit bond

We partner with the best to make sure you get a strong deposit bond that will be accepted by the vendor.

Deposit Assure provides deposit bonds backed by QBE Insurance (Australia), which ensures:

  • A+ credit rating
  • Australian-based insurer
  • Strong track record of paying claims

See how a deposit bond can give you the advantage.

  • Does a deposit bond sound like something you need for your property purchase?
  • We’re here to answer any questions you have about deposit bonds.
  • Not sure if a deposit bond is right for your situation?
  • There are lots of other scenarios we haven’t covered here.

Give us a call

to find out more and see if you qualify.