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info@artemisfinance.com.au

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Services

Whether it's refinancing your existing loan or purchasing equipment or commercial premises, we can help with all your financial needs

Specialised Loans For Professionals

We can access special loans for doctors, dentists and other medical professionals that include:

Waiver of Lenders Mortgage Insurance: This allows a borrowing of up to 90% with no LMI applicable with potential to save tens of thousands of dollars.

Special discounts: This includes reduced interest rates (discount of up to 1.5%) and home loan fee waivers exclusive to medical professionals.

Higher maximum borrowing amount: Some lenders will lend you up to $4.5 million for your home and investment properties while larger loans are available on a case by case basis.

Build your property portfolio fast: Use a smaller deposit to purchase new property or refinance your existing loan to buy more properties.

Asset protection: Protect your assets and take advantage of tax benefits by purchasing in a company or trust structure.

 

We partner with you for the long term with annual reviews to ensure your loan is right for you. We act for you and not for the bank so we always have your best interests in mind. Let us show you how we are different!

Loans for Self Employed Borrowers

Loans for self employed borrowers are seen as complicated for most brokers. Luckily we have experience reading and understanding financial statements and will work with you to understand your business so we can explain it simply to the banks.

 

We work with self employed borrowers and can offer a variety of loans whether they are fully documented with 1-2 years of business tax returns and financials or low doc loans.

 

If you have been self employed for less than two years, you can still get a home loan but it is preferred that you have worked in the same industry for more than two years.  If you have less than one year’s experience then there are limited options. Contact us to discuss your situation.

 

We can also help with business loans and equipment loans for your business.

Investment Loans

Borrowing to invest in property whether residential or commercial, in personal names or within a Self Manager Super Fund (SMSF) has become a lot more complicated. Banks are now offering higher rates for ‘interest-only’ loans compared with ‘principal and interest’ loans due to the rising costs of lending.

 

There can be significant differences in investment loans charged by lenders. We stay up to date with all the constant changes in lenders interest rates and credit policies.

 

We will review your property portfolio and secure the most competitive rates and products so that you can continue to have a long term strategy and grow your property portfolio.

 

We also partner with other professionals who can discuss your questions about purchasing an investment property for the first time and can even source investment properties on your behalf.

First Home Buyers

For first time buyers, we will take you through the process step by step and make your first home purchase as smooth as possible.

 

We will work with you to calculate your borrowing power, working out your savings and how much deposit you need, educating you throughout the process. We can also show you how to purchase a property with no deposit.

 

We always recommend having your finance approved and deposit ready to go so you can move quickly when you find the right property.

Private Lending

Sometimes your situation doesn’t suit traditional lending or is a little outside of the box. If your current circumstances mean you are unable to get bank finance, we can help. We tailor each financial solution to meet your individual needs.

 

We offer a range of Non Conforming Loans,  Private Loans, Bad Credit loans, Short Term Loans, 2nd Mortgages and Caveat Loans. We work with non bank lenders to find fast quick solutions.

Car & Asset Finance

We offer affordable car loans for personal use for your new or used car purchase. We structure the right lending solutions for all your business needs.

  • Chattel mortgage
  • Novated leases
  • Standard lease

 

We also offer finance for your business. From vehicles for commercial and personal use to heavy machinery and shop fit outs. We finance equipment such as furniture and technology for offices, medical institutions, retail shops, warehouses and factories. Talk to us today about how we can help you and your business

Upsizing or Downsizing?

For first time buyers, we will take you through the process step by step and make your first home purchase as smooth as possible.

 

We can look at your budget and work out your borrowing capacity so you can make an informed decision about upsizing your property or downsizing. We can even work out a way for you to buy a new property before you even sell your existing home.

 

We partner with you for the long term with annual reviews to ensure your loan is right for you. We act for you and not for the bank so we always have your best interests in mind. Let us show you how we are different!

Refinancing, Renovating or Constructing?

Loans for self employed borrowers are seen as complicated for most brokers. Luckily we have experience reading and understanding financial statements and will work with you to understand your business so we can explain it simply to the banks.

 

We work with self employed borrowers and can offer a variety of loans whether they are fully documented with 1-2 years of business tax returns and financials or low doc loans.

 

If you have been self employed for less than two years, you can still get a home loan but it is preferred that you have worked in the same industry for more than two years.  If you have less than one year’s experience then there are limited options. Contact us to discuss your situation.

 

We can also help with business loans and equipment loans for your business.

Commercial or Business Loans

Borrowing to invest in property whether residential or commercial, in personal names or within a Self Manager Super Fund (SMSF) has become a lot more complicated. Banks are now offering higher rates for ‘interest-only’ loans compared with ‘principal and interest’ loans due to the rising costs of lending.

 

There can be significant differences in investment loans charged by lenders. We stay up to date with all the constant changes in lenders interest rates and credit policies.

 

We will review your property portfolio and secure the most competitive rates and products so that you can continue to have a long term strategy and grow your property portfolio.

 

We also partner with other professionals who can discuss your questions about purchasing an investment property for the first time and can even source investment properties on your behalf.

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Set Goals. Reach. Repeat.

We really love partnering and working together with our clients to achieve their short and long term financial goals.

 

We believe in setting goals whether it’s purchasing your first home or investment property or setting up a new business, helping you reach those goals and then repeating.