Finance

Equiti’s finance division specialises in mortgage
reduction and debt management services, all
whilst maximising benefits for your tailored
wealth management plan.

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Finance

Equiti’s finance division specialises in mortgage
reduction and debt management services, all
whilst maximising benefits for your tailored
wealth management plan.

A Refreshing Approach
Loan Options
Types Of Loans

A refreshing approach, designed to find the best
finance solution for your individual circumstances

In addition to providing Australians with both mortgage management and a finance brokerage service, Equiti specialises in mortgage reduction, debt management services and residential property loans for our clients.

We will provide you with the right home loan to meet your individual needs and requirements, whether you’re buying your first home, refinancing an existing mortgage or buying an investment property.

Our team of dedicated finance consultants, supported by our in-house customer service team, will guide you through all stages of the loan application process and maintain a personal relationship throughout the life of your loan.

When it comes to finance, we understand that communication is key.

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Buying your first home

Tired of renting and ready to get into your own home? Equiti Finance can help you cut through the mortgage jargon and find the home loan that best suits your needs.


Buying your first home is a major milestone in your life that should be enjoyed; it doesn’t need to be a stressful or confusing experience.


We have several options for first home buyers which can make the purchasing process easy and affordable. If you don’t even have your first deposit ready yet, we can set a meeting with an Equiti advisor who will establish how you can raise money to buy your first home.

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Refinancing & debt consolidation

If you are not satisfied with your current loans, why not start saving now? There is no reason to wait and you don’t need to shop around, as the Equiti finance consultants do all the running around for you! With years of expertise in the loan market and software that enables us to compare hundreds of loans in a matter of minutes, we will find the most competitive and suitable solution for you.


  • Move to a lower rate and reduce your monthly repayments
  • Consolidate your loans to save in interest payments, fees and charges
  • Upgrade to a home loan with more features
  • Borrow additional funds for renovation or investment
  • Take advantage of lower or no monthly fees
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Investment loans

How about making your money work for you? Buying an investment property may allow you to take advantage of the associated tax benefits and introduce a regular and steady income stream. In Australia, property investment has always been a safe and effective way to build wealth.


The tangible evidence of your investment, coupled with the rental income and possible tax concessions, make it easy to see why an investment in property can be an attractive choice. There are several home loans that are options for you to get your foot in the investment property door.

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You deserve the best options

We compare the rates and features from over 20 lenders to find solutions best suited to your personal financial situation.

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Types of loans

At Equiti, we are passionate about educating our clients on the various loans available on the
market and how it applies to their unique situation; therefore, assisting them to achieve their
long-term financial goals.

Standard loan (aka Australia’s most popular type of home loan)


Advantages:

  1. Flexibility
  2. Lump-sum payments without penalties
  3. If interest rates fall, repayments fall
  4. Low fees
  5. Often offer extra features

Disadvantages:

  1. If interest rates rise, repayments rise

Basic variable loan


Advantages:

  1. Relatively low interest rate
  2. Lower repayments

Disadvantages:

  1. Fewer or different features
  2. Fees for additional features
  3. Rates and repayments will vary

Intro rate ‘honeymoon’ loan


Advantages:

  1. Usually the lowest rates on the market
  2. Some lenders provide offset accounts
  3. Opportunity to reduce the principal quickly during the ‘honeymoon’ period
  4. Flexibility – the rate can be fixed or variable

Disadvantages:

  1. Payments will increase after initial introductory/’honeymoon’ period

Fixed rate loan


Advantages:

  1. Peace of mind with guaranteed rate
  2. If interest rates rise, your repayments won’t

Disadvantages:

  1. Reduced flexibility
  2. Your rates don’t go down with the market during the fixed term
  3. Extra repayments may incur a fee or be limited

100% offset loan account


Advantages:

  1. Peace of mind with guaranteed rate
  2. If interest rates rise, your repayments won’t

Disadvantages:

  1. Higher monthly fees
  2. May require a minimum balance in the account

Line of credit loan


Advantages:

  1. Use the equity in your home or investment property
  2. Use money when you need it and pay it back when you can

Disadvantages:

  1. Unless care is shown, it is possible to reduce the equity you have built in your home

Low-doc & credit impaired loans


Advantages:

  1. Simple income declaration form
  2. Doesn’t require much documentation to apply
  3. No tax returns or financial statements
  4. Features such as redraw, line of credit, variable or fixed rates, principal and interest or interest only

Disadvantages:

  1. Generally higher interest rate

Construction loan


Advantages:

  1. Competitive variable interest rates
  2. Facility to draw money whilst building
  3. Interest only payments during the building period
  4. Additional payments can be made

Disadvantages:

  1. Requires a fixed price building contract
  2. Possible fees for withdrawals whilst building
  3. Repayments will increase if interest rates go up
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Over satisfied clients

“We had a few financial planners before but we were dissatisfied with their service. Most other financial planners were poor communicators and/or did not have a diverse portfolio to offer, including access to investment properties. During our initial meetings, Equiti listened and understood our risk tolerance. They presented to us strategies that we could follow to make sound decisions. Equiti have been our financial planners now for over 9 years.”

– Sandeep and Pooja Chugh

“It's not an easy step, going from limited financial and retirement planning knowledge, to a structured and well managed portfolio that is designed specifically for you. It was a steep learning curve for us, but we were guided professionally and openly through the entire process. There are genuinely no silly questions as you unravel the various options and work together on the right plan for you. Without doubt, it takes a huge amount of trust in an organisation to design and guide the right outcome, and that's exactly why we decided to go with Equiti.”

– Sally Greenwood

“I am very pleased at the level of service provided by the team at Equiti and with the complete suite of products offered. With this, I am confident to put forward my friends and relatives to Equiti to benefit just as Karen and I have. Everything our advisor said was going to happen, has happened. This builds our confidence in Equiti. We also received fantastic support from both the administration team and the Equiti Finance team.”

– Mel & Karen, Glebe

“We have had advisors in the past who have assisted and/or advised in relation to our investments. Once the transaction was complete, we never heard from them again. Our Equiti advisor and his team, however, are regularly in contact with us. We have the opportunity to review our investments and revise if desired. We feel we have developed an ongoing relationship with the entire team. We would be confident to recommend Equiti to anyone wishing to seek advice from a group with expertise, integrity and excellent customer service.”

– Ian & Terri, Glenmore Park

Equiti

1300 990 990

info@equiti.com.au

  • P.O. Box 3973
  • PARRAMATTA CBD NSW 2124

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Equiti Group Pty Ltd
  • ABN 83 084 860 668
Equiti Capital Limited
  • ABN 62 146 641 634
  • AFSL 391 452
Equiti Funds
Management Pty Ltd
  • ABN 73 136 723 601
Equiti Financial Services Pty Ltd
  • ABN 20 120 384 474
  • AFSL 328 681
Equiti Finance Pty Ltd
  • ABN 72 122 797 773
  • ACL 389 323
Equiti Property Pty Ltd
  • ABN 39 111 931 394
  • NSW Real Estate
  • Licence No. 1459345
  • QLD Real Estate
  • Licence No. 3070114
Equiti Legal Pty Ltd
  • ABN 49 143 566 821

© Copyright 2018 Equiti Group

Returns to Investors are predictive in character, may be affected by risks and uncertainties, and may differ from results ultimately achieved. This is general information only and is not financial advice, as it does not take into account your individual objectives, financial situation or needs. Investing involves risks and you must carefully consider the Product Disclosure Statement (PDS) prior to making an investment decision. Please read the PDS in its entirety, as it contains important information, along with the assumptions on which this is based.