Money Whizz – Your Trusted Partner in Financial Wellbeing
home Loans
Navigating the vast array of home loan options can be daunting when done alone, especially with the numerous lenders and products available. Partnering with a home loan specialist from Money Whizz provides a personalised experience, offering you a dedicated advisor who customises loan options to suit your unique needs and lifestyle.
While interest rates and product features are important, they are just one part of the overall decision-making process. Banks and lenders frequently update their credit policies, making the expertise of a home loan specialist invaluable. Money Whizz’s brokers continuously monitor these changes, ensuring your home loan application is not only meticulously prepared but also strategically positioned for the highest chance of approval.
Commercial Loans
Getting the correct finance plays a pivotal role in acquiring commercial property successfully. We assist our clients in devising thorough plans to secure the necessary funds to win the deal. We also provide valuable insights to help our clients maximise their returns and enhance the overall value of their investments.
Whether you are buying a commercial premise for your business or are a commercial property investor – we can save you money, time and stress.
We can help you get finance for:
- Purchase of all types of commercial property
- Construction and development finance for commercial property
- Specialist securities like Subway franchises, 7-Elevens and car washes
- Lending up to 80% of the property’s value or 100% with additional security
Car Loans
Want to purchase or upgrade your car, van or Ute?
We have access to a wide range of car loan choices, allowing us to customise a loan package that aligns with your budget, requirements, and financial situation. Regardless of your credit status, we can assist you in securing the right finance for your personal or business car loan.
SMSF Loans
An SMSF Loan is a specialised loan product intended for a self-managed super fund (SMSF) to purchase investment property in its name. With this loan, an SMSF can borrow funds to invest in residential or commercial properties, which are then held in trust for its members.
The rental income and capital gains generated by such investments must be reinvested back into the SMSF. Consequently, this strategy enhances the superannuation for your retirement savings. SMSF property is arguably the best tax incentive with a concessional tax rate of 15% in accumulation phase and no tax in pension phase.
Key benefits are:
- Secure your financial freedom by investing in property.
- Deposit paid out of your superannuation balance not your personal savings.
- Huge tax benefits including no tax on gains/ income in retirement.
- Ongoing costs (i.e. SMSF administration) are paid out of your super balance and tax deductible.
- Lender has “Limited Recourse”, ensuring your SMSF assets are protected.
- Pay all setup costs out of your super balance, without cutting into your household budget.
Let’s discuss your financial goals today!
Money Whizz – Your Trusted Partner in Financial Wellbeing
