Frequently Asked Questions

Loans from Get Finance, their Features, and their Eligibility

    • Low Doc Home Loan
    For self-employed borrowers who don't have a clear financial picture, there's a Low Doc Loan available.
    •  Family Home Guarantee Loan
    Aims to support eligible single parents with at least one dependent child in purchasing a family home, with a deposit of as little as 2%.
    • First Time Home Buyer Loan
    Supports you to buy your first home sooner, with a deposit of as little as 5%. As a first-time home buyer, you'll need a low-interest loan. However, you must also examine the size of your deposit, your borrowing power, stamp duty and other charges, as well as which subsidies and concessions you are eligible for.
    Business or Commercial Loan
    • To be eligible for a loan, you will need to have:
    • An ABN or ACN
    • Been in business for at least 6 months
    • At least $5,000 in monthly sales
    • GST registration
  • Yes, Get Finance provides a variety of loan options for first-time home buyers.
  • All applications are evaluated against a variety of criteria, but the following are some of the most important eligibility requirements:
    • You are an Australian or permanent resident living in Australia
    • You are currently employed or self-employed
    • The property is residential, established, and no larger than 25 acres in size or renter
    • You want to borrow between $100,000 and $2,000,000

Features

  • Get Finance is a Melbourne-based Australian Finance Broker (online lender). We offer solutions for those who need finance but are having trouble getting it, or confused about what is best for them. We are a wholly owned by Get Finance Pty Ltd. You can find out more about our offers here, and for more information about our company, Get Finance, visit getfinancenow.com.au. We also provide home loan solutions, business loans or commercial loans.
  • Get Finance is Australian owned company, with our head office in the Melbourne, VIC and the majority of our team members are located in Philippines. We have an office based in Philippines we're available by calling +61385929877 during business hours (Australian Eastern Standard Time) or Chat Support Service here. We offer free online one-on-one discussions and appointment setting with our experts/brokers.
  • With innovative, cost-effective, and transparent home loan alternatives, Get Finance offers Australians an alternative to the banking system. We offer an online application that allows you to join us at your leisure and from the convenience of your own home. You can start or stop your application online, save it, and resume it at any time and from any location. In addition, our dedicated Australian-based experts of Lending Specialists is here to help you every step of the process.
  • As part of our standards of excellence and dedication to being a trusted partner for our clients, we take privacy very seriously. We will only gather information that is essential for us to perform our functions or operations.
    We place a high value on the security of your data. We will take reasonable precautions to prevent the misuse, loss, unauthorized access, modification, misuse, or disclosure of any personal information. We keep track of new security and encryption technology on a regular basis.

When Applying for a Loan

  • Each lender establishes the minimum and maximum borrowing limits, and the amount of your personal loan is determined by your creditworthiness. Examine your requirements. If you're taking out a loan for something nice to have, such as a vacation, you might want to consider saving for it first by opening a high-interest savings account. However, if you need to consolidate debt or cover unexpected expenses, a personal loan may be the best option. When applying for a personal loan, the amount you request should be limited to your actual need. Borrowing more than you need ends up costing you more money in the long run. To figure out how much money you should borrow, add up all of your debts and projected expenses to arrive at an ideal loan amount.
  • There may be a waiting period before receiving funds, depending on the loan amount and application time frame. Some loans are processed within two working days, while others may take a little longer. Consider these timeframes when deciding which loan product to apply for.
  • It is critical to consider the loan's term and whether it will benefit you in the long run. A shorter timeline may be preferable if you don't mind paying a higher monthly payment. Taking out a loan with a longer repayment period, on the other hand, usually results in a smaller, more affordable monthly payment.
  • Because credit is an indication of your ability to repay the loan responsibly, your credit score is an important factor in determining whether Get Finance will approve your loan application. There are various credit scoring models, but the majority have a range of scores ranging from three hundred to eight fifty. The higher the number, the more credible you appear to be.
  • You have to make sure you understand what documentation you need to bring. To apply for a loan with Get Finance, you will need to provide your social security number as well as basic employment, business and income information. We will determine whether additional information is required once we receive the application. You must verify your identity, provide your social security number, show proof of income, and state the purpose of your loan with any lender.
  • The interest rate may influence your decision to borrow based on your credit score and other factors. Consider an interest rate to be an expense for borrowing money from a lender. The amount of interest is included in your payments. Before signing the paperwork, be sure to enquire about how the interest rate affects the cost of borrowing the loan.
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