All our services
Easy Loan Finance is an Australian mortgage and finance broker working with clients right across
the country, in English and Vietnamese. Lending is national and so are we — phone, video and
electronic signing handle the whole process wherever you are. Pick the situation closest to
yours.
Buying a home
- First home buyers — buy with a 5%
deposit and no LMI under the government scheme, plus the South Australian grant and stamp duty
rules that make new and established homes very different purchases.
- Home loans and how a broker helps —
what a mortgage broker actually does, why the same borrower gets very different answers from
different lenders, and what it costs you.
Self-employed and business owners
- Self-employed home loans —
standard rates are available to you. The difference is how income is proven: add-backs, one year
versus two years of financials, and which lender fits your structure.
- Low-doc and alt-doc — for when your
tax return does not yet reflect what the business earns. Low-doc does not mean no-doc, and it
works best as a bridge back to standard pricing.
- Business finance — cash flow
facilities, equipment and asset finance, growth funding and bridging. Matching the product to the
purpose is most of the value.
- Commercial property finance —
bigger deposits, shorter terms, and the lease matters as much as the building.
Already have a loan
- Refinance — often worth doing, but a lower
rate alone does not mean you come out ahead. What switching really costs, and when staying put
wins.
- Investment loans — why only part of
your rent counts, how existing debts are stress-tested, and using equity instead of cash.
Tools and answers
- Repayment calculator — repayments and
borrowing power, free, no sign-up.
- Tax calculator — 2026–27 rates,
and every box works in both directions.
- Common questions — short answers to what people
actually ask: deposits, HECS, credit cards, being declined before, visas.
- Lenders we work with — the major banks through
to specialist non-bank lenders, more than 40 in total.
In Vietnamese
- Tiếng Việt — vay mua nhà, refinance,
và vay cho người tự kinh doanh, giải thích bằng tiếng Việt. Khách khắp nước Úc.
Not sure which one applies?
That is normal, and it is the easiest thing to sort out in a conversation. Tell us what you are
trying to do and we will tell you which path fits and what it would take.
Book a consultation ·
Contact us
General information only. Not credit assistance or a credit
quote, and it does not take your objectives, financial situation or needs into account. Easy Loan
Finance is a Credit Representative (CRN 568863) of Beagle Finance Pty Ltd, Australian Credit Licence
383640.
Core Services
Our Business Loan Services
Whether you’re looking for personal loans, business financing, or investment support, Easy Loan Finance ensures a smooth and efficient borrowing experience.
A home loan allows you to purchase or refinance your residential property, while also unlocking your home’s equity to access extra funds — whether for renovations, investment, or supporting your business growth.
Private lending refers to loans provided by individuals or non-institutional lenders (rather than traditional banks or financial institutions). These loans are often used for real estate, business ventures, or personal expenses. Private lenders typically offer more flexible terms than banks, but may charge higher interest rates due to the higher risk involved. The terms of private loans are usually negotiated directly between the borrower and the lender.
A type of loan that is primarily repaid using the borrower’s future cash flow or earnings, rather than through traditional collateral like property or assets. These loans are often used by businesses to finance operations or growth, relying on consistent revenue streams to repay the loan. Lenders evaluate the borrower’s ability to generate future cash flow to determine the loan amount and terms. They tend to have higher interest rates due to the higher risk for lenders.
Lines of Credit & Overdrafts
A line of credit gives your business access to a defined amount of money that you can draw down from as you need it. An overdraft is similar, but specifically covers any transactions (up to a certain amount) if your bank balance drops below zero.
A commercial asset loan is a type of secured lending used to purchase a physical asset for your business. Funds can be used to buy a range of tools and equipment including cars, trucks, IT hardware, farming equipment and yellow goods.
Invoice finance (or debtor finance) gives you access to the value of your outstanding invoices – before they’re paid. It can be a great cash flow solution to cover upfront costs and supplier invoices while waiting for your customers to pay their bill.
