Loan Products
Explore our range of tailored loan solutions to meet your financial needs.
Home Loans
Find the perfect home loan solution for your property purchase.
Overview
Morfex offers both fixed and variable rate home loan products tailored to meet diverse client needs.
Features
- Competitive interest rates
- Flexible repayment options
- Offset account facilities
- Redraw facilities
- Split loan options (part fixed, part variable)
Ideal For
- First-time homebuyers
- Property investors
- Clients seeking to upgrade or downsize their homes
Why Choose Morfex for Your Home Loan?
Our mortgage brokers have access to a wide panel of lenders, allowing us to find the most competitive rates and terms for your specific situation. We handle the paperwork and negotiations, making the process smooth and stress-free.
Overview
Refinancing options are available for clients looking to optimize their existing loans.
Benefits
- Potentially lower interest rates
- Reduced monthly repayments
- Access to funds for renovations or other needs
- Debt consolidation opportunities
- Ability to switch between variable and fixed rates
Ideal For
- Homeowners with existing mortgages
- Clients seeking better loan terms
- Those looking to consolidate debts
- Property owners wanting to access equity
Is Refinancing Right for You?
Our team can analyze your current loan and financial situation to determine if refinancing would be beneficial. We'll calculate potential savings and help you understand the costs involved in switching loans.
Refinance Loans
Optimize your existing loan for better rates and terms.
Car Loans
Get behind the wheel faster with our flexible car financing options.
Overview
Flexible car loan solutions for both new and used vehicles.
Features
- Competitive fixed interest rates
- Loan terms from 1 to 7 years
- Pre-approval available
- Quick approval process
- Options for both new and used vehicles
Ideal For
- Individuals buying a vehicle
- Clients refinancing existing car loans
- Business vehicle purchases
Car Loan Options
We offer various car loan structures including secured loans (using the vehicle as security), unsecured loans, and novated leases for employees. Our team can help you determine which option best suits your needs and financial situation.
Overview
Unsecured and secured personal loans for a variety of personal needs.
Loan Amounts
- Unsecured: $5,000 – $50,000
- Secured: $15,000 – $100,000
Interest Rates
- Unsecured: 6.75% – 20.95% p.a.
- Secured: 6.50% – 18.95% p.a.
Ideal For
- Debt consolidation
- Home improvements
- Medical expenses
- Travel or education
- Wedding expenses
- Other significant personal costs
Secured vs. Unsecured Loans
Secured loans typically offer lower interest rates but require an asset as collateral. Unsecured loans don't require collateral but may have higher interest rates. Our team can help you determine which option is best for your situation.
Personal Loans
Financial flexibility for life's needs and goals.
Business Loans
Tailored solutions to support SME growth and operations.
Overview
Tailored solutions to support SME growth and operations.
Features
- Working capital loans
- Equipment financing
- Commercial property loans
- Flexible repayment terms
- Line of credit options
- Invoice financing
Ideal For
- Small to medium-sized businesses
- Start-ups with solid business plans
- Expanding operations
- Managing seasonal cash flow
- Purchasing business premises
Business Loan Application Process
Business loan applications typically require more documentation than personal loans. Our team can guide you through the process, helping you prepare financial statements, business plans, and other necessary documentation to increase your chances of approval.
Overview
Finance for acquiring essential business assets.
Assets Covered
- Machinery and equipment
- Vehicles and fleets
- Technology and IT systems
- Office fit-outs and furniture
- Specialized industry equipment
Benefits
- Preserve working capital
- Flexible structures (finance lease, operating lease, chattel mortgage)
- Possible tax advantages
- Match repayments to asset lifespan
- Upgrade options for technology and equipment
Asset Finance Structures
We offer various asset finance structures including finance leases, operating leases, and chattel mortgages. Each has different ownership, tax, and end-of-term implications. Our team can help you determine which structure best suits your business needs and accounting preferences.
Asset Finance
Acquire essential business assets without large upfront capital expenditure.
SMSF Loans
Specialized loans for Self-Managed Super Fund property investment.
Overview
Loans designed for property investment through Self-Managed Super Funds.
Features
- Limited recourse borrowing arrangements
- ATO compliance
- Access to SMSF-specialized lenders
- Structured to meet superannuation regulations
- Typically requires 30-35% deposit
Ideal For
- Diversifying superannuation portfolios
- Long-term investment planning
- SMSF trustees seeking property exposure
SMSF Loan Considerations
SMSF property loans involve complex legal and compliance requirements. Our team works with SMSF specialists to ensure your investment is properly structured and compliant with ATO regulations. We can help you understand the unique aspects of SMSF property investment and determine if it's suitable for your retirement strategy.