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Loans
We provide expert advice on a number of products, including the below
Purchasing a Home
Buying a dream home is one of the biggest decisions of your life. It can also be a very confusing and daunting prospect. This is where we come in.
We have the expertise to knowledge to recognise that not all home loans are the same, and sometimes the lowest rate doesn’t mean the best outcome. If you want more than a house, if you want a home and a future beyond your mortgage, then we can provide tailored solutions that help you find the perfect balance between your life today and the future you want tomorrow.
We have the expertise to knowledge to recognise that not all home loans are the same, and sometimes the lowest rate doesn’t mean the best outcome. If you want more than a house, if you want a home and a future beyond your mortgage, then we can provide tailored solutions that help you find the perfect balance between your life today and the future you want tomorrow.
Refinancing your Home Loan
Are you paying too much on your home loan? Have you compared your interest rate to the latest rates in the market? We are here to help
If you have equity in your house you may even be able to get cash out to renovate, consolidate debt, invest, or purchase an asset
If you have equity in your house you may even be able to get cash out to renovate, consolidate debt, invest, or purchase an asset
First Home Buyers
Buying your first home can be one of the most important events in our life. There could be numerous grants, subsidies, and guarantee options available to you. So make sure you speak to us to help you navigate that often dizzying process of purchasing your first house.
Investment Property
Building wealth through the accumulation of income-producing assets can be a smart way to provide you with stability and security in the future.
At EmmettGray, our team of approachable, industry-accredited professionals will analyse and assess your unique financial footprint. From there, we’ll assist you to not only purchase your investment, but understand how to build a portfolio, diversify to reduce risk and have the most effective structure in place from the start.
At EmmettGray, our team of approachable, industry-accredited professionals will analyse and assess your unique financial footprint. From there, we’ll assist you to not only purchase your investment, but understand how to build a portfolio, diversify to reduce risk and have the most effective structure in place from the start.
Commercial Property & Business Loans
If you’re self-employed and would like to own your office, factory or shop, we can help you with your wealth creation plan that may help you avoid paying unnecessary rent and instead purchase your business premises.
We’re passionate about helping small-to-medium business owners enter the commercial property market, potentially allowing them to own their own premises.
We’re passionate about helping small-to-medium business owners enter the commercial property market, potentially allowing them to own their own premises.
Vehicle or Personal Loans
If you require a vehicle for your personal use, or as an asset to grow your business, we can help you secure a competitive rate and get you on the road, faster.
Our team of industry-accredited experts can also provide access to plant and equipment finance, boat finance or car finance. Harnessing these loans together will help you simplify your life.
Our team of industry-accredited experts can also provide access to plant and equipment finance, boat finance or car finance. Harnessing these loans together will help you simplify your life.
Bridging Loans
Are you buying and selling? A bridging loan may be necessary to cover the financial gap when buying one property before your existing one is sold. This finance is secured against the existing property (utilising equity) and the new property being purchased. Usually, bridging loans are short term (normally 6 months) to allow for the sale of the original property and more expensive than other types of loans. There are alternative ways to finance a change from one home to another, so please talk with us to discuss your options.
Debt Consolidation
Take back control of your finances with a debt consolidation loan. You can significantly reduce the amount of interest you incur over the lifetime of multiple debts, or if you’re struggling to manage several debt repayments at once, consolidating your debts into a single, low interest loan with one regular repayment can simplify your finances and make budgeting easier.
SMSF Loans
Owning a property is a dream of many Australians, and a self-managed superannuation fund (SMSF) can be a very tax-effective structure to help you achieve this.
At Polaris, our industry-qualified experts possess years of experience potentially enabling you to borrow funds with your retirement savings to own property.
At Polaris, our industry-qualified experts possess years of experience potentially enabling you to borrow funds with your retirement savings to own property.
Book a free consultation today or
simply give us a call to chat
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