AAA Financial has a range of additional lending products.

Additional Lending Products

• Development Loan
• Asset Lend
• Deposit Bonds
• Equipment Finance
• Private Lending
• Fast Finance

Development Finance Loan

• Development finance for the construction of residential, commercial, industrial or refurbishment projects.
  
• Project can be financed up to 100% of cost provided that the finance does not exceed the maximum of 70% of end value.
  
• Interest can be capitalised or payable from commencement.
  
• Pre-sales are negotiable at the lender's descretion if no existing cash flow available.

Terms: Up to 5 years.
Minimum Loan Size: AUS$500 000 to AUS$ 100 million.
Max Lending Ratio: 66% (end value of development).

Asset Lend Home Loan

For applicants who require prompt funding.
Applicant can be PAYG or self employed.
Business or Investment purchase, refinance, equity or debt consolidation purposes are acceptable.
First and/or Second Mortgage on Residential or Commercial properties.

Terms: Maximum thirty (30) years Principal & Interest. Interest Only up to five (5) years
Loan Size: $20 000 to $2 000 000
Max Lending Ratio: Up to 65% LVR maximum (varies according to security)

Deposit Bonds

Once AAA Finance has approved a loan in principle for you, we can assist you in obtaining a deposit for your bond of up to 10% of the purchase price.
This is instead of you placing cash as a form of deposit. The money you would have otherwise had to free to use as a deposit is not tied up.
You are better off financially whether you expect your settlement to be within 26 weeks or 3 years. Such bonds can be approved with 24 hours once loan approval in principal has been obtained.

Terms: up to 26 week (short term bond).
Up to 3 years (long term bond).
Price Upon Enquiry

Equipment Finance (Full Doc, Low Doc & Sub-prime)

For all plant and equipment not of a personal use, for all established profitable businesses.

Terms: $20 000 minimum.
Lending Ratio:
New Plant and Equipment - up to 100%.
Old Plant and Equipment - up to 50%.

Rate available on request.

Private Lending

An institution funded lending programme capable of dealing with a variety of circumstances.
No set credit criteria other than applicant must not be currently bankrupt or insolvent.
Purpose of loan must be predominantly business or investment.
(Domestic Purposes acceptable for New Zealand)
Security must be readily marketable.
No tax return or similar financials required.
Unlimited funding available & Prompt Approval.

Terms: 1 to 3 years Interest Only.
Loan Size: $20 000 or greater
Max Lending Ratio: up to 70% of value

Fast Finance

• Privately funded lending programme capable of fast settlement within 72 hours of completed, successful application.
  
• No set credit criteria other than applicant must be able to refinance the loan or with proven exit strategy.
  
• Purpose of loan must be predominantly business or investment.
  
• (Domestic Purposes acceptable for New Zealand Only)
  
• Security must be readily marketable.
  
• No tax return or similar financials required.
  
• Unlimited funding available & Prompt Approval.

Terms:3 to 12 months Interest Only.
Loan Size: $20 000 to $1 000 000.
Max Lending Ratio: up to 75% of value.

Rate available on request.