INVESTMENT LOANS

Products

Low Introductory Rates
Many lenders offer low introductory or discount rates usually for the first year of the loan. These can be fixed or discounted variable rates, dependant on the lenders policy. At the end of the introductory period, your loan reverts to a standard variable loan.

Fixed Rates
A Fixed loan gives you set repayments for the fixed period you select. If interest rates rise, you have the peace of mind that your interest rate and repayments on your loan will not change throughout the fixed period – a good choice if you’re on a limited budget or worried about interest rate movement.

100 % Offset
With a 100% interest offset facility, the amount of interest charged on the home loan is calculated on the difference between the home loan balance and the balance you have in your savings account. The benefit is the same as if you had paid the savings against your home loan – without the money leaving your savings account.

Standard Variable Rates
Standard Variable Rate loans offer you complete repayment flexibility and full range of features. You can make additional payments as you want, plus redraw extra repayments when you like. Both principle and interest and interest only options are available with no exit fees if you want to payout the loan.

Basic Variable Rates
Basic Variable loans are a simple, no fuss variable rate home loan that offers a lower rate than our Standard Variable Rate home loan. It has many features that borrowers look for including the ability to make weekly / fortnightly repayments, additional payments and a redraw facility.

Line of Credit Rates
Line of Credit facilities enable you to use the equity in your property that you can use for both investment and personal purposes. Another property perhaps, share investments or renovations. And because you are gearing or borrowing to invest in shares or an investment property, the interest you pay on the money borrowed may be tax deductible.

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Facilities

Personal Loans
Unsecured and secured loans to suite your lifestyle. Competitive interest rates with flexible loan packages available.

Home Loans
Choose the right facility to make your personal investment work for you. With over 400 + loan products to choose from, our experienced consultant help find you the right one.

Investment Loans
Why stop at one investment property? Our experienced consultants can show you how you can pay off your loan sooner, therefore invest in more properties. We offer a selection of products, which include, Line of Credit, interest in advance, interest only facilities for your selection.

Commercial Loans
Not only does Cyber Mortgage specialise in residential loans, we have a wide selection of commercial lenders as well. From commercial refinances / purchases to development applications, we have the right product for you. Our volume in commercial lending helps us negotiate interest rates and fees, saving you thousands.

Construction Loans
If you’re building your own home or having it built, Cyber Mortgage has access to over 20 lenders that specialise in construction loan facilities. We can help you manage the project more efficiently by organizing progress payments to be made after each stage of building has been inspected and verified.

Low Doc / Non Conforming
Due to today’s competive lending market, lenders have emerged to assist borrowers where before they may have been declined by the traditional lenders (banks and non banks) Cyber Mortgage has a variety of lenders that can help those who do not meet the usual bank requirements. These include, borrowers with defaults or court judgements to businesses borrowing with showing no financials.