Services
Rose & Oak Finance can assist with a wide range of loan options, whatever your financial goals may be.
No matter what stage of life you’re at, we are confident that there’s a solution out there for you.
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An owner-occupier loan is a home loan used to purchase a property that the borrower plans to live in as their primary residence, rather than using the property as a rental investment.
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An investment property loan is a home loan designed for purchasing property that will be rented out or held to grow in value over time. Rather than living in the property, the borrower uses it as a way to generate rental income and build long-term wealth.
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A cash-out equity loan (or equity release) allows you to borrow against the equity you’ve built in your home. Instead of selling the property, you can access a portion of its value as funds to use for things such as home renovations, purchasing a car, or even funding a family holiday. It can be a flexible way to use the value in your property to support other financial goals.
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Refinancing your home loan involves replacing your existing mortgage with a new one, often with a different lender or updated loan terms. Homeowners typically refinance to secure a more competitive interest rate, reduce repayments, adjust the loan structure, or access equity built up in the property.
It can be worthwhile to review your home loan every few years, as lenders often reserve their most competitive rates and incentives for new customers. Refinancing may also provide benefits such as cash-back offers, fee waivers, or loan features that better suit your current financial situation.
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Self-Managed Super Funds (SMSFs) allow Australians to take greater control over how their retirement savings are invested. One of the ways an SMSF can grow its assets is by using a specialised loan to purchase investments such as residential or commercial property within the fund.
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Low Doc or Alt Doc loans are designed for self-employed borrowers whose income doesn’t always fit neatly into the standard paperwork banks usually ask for. Running a business can mean income comes from different places, changes year to year, or is structured in ways that don’t always show clearly on traditional documents.
That doesn’t have to be a major obstacle. With alternative ways to verify income, these loans allow lenders to take a broader view of your financial position, helping self-employed borrowers still access the finance they need.