Services

Minerva may assist you by saving you time and effort in finding a suitable alternative home loan provider.

Minerva is able to:

> source alternate loan options on your behalf, based on the needs identified as important
during your loan interveiw.
> provide you with several loan options from which you may choose the most suitable
> deal directly with the relevant institutions on your behalf
> assist you with the necessary paperwork
> co-ordinate the loan application process with your lender of choice through
> to full loan approval.

First home buyers

We have a special package to assist First Home Buyers find the best loan for you from a panel of over 35 lenders. We will also assist you in apllying for the various concessions available for first home buyers including First Home Buyers Grant both State and Federal and also the Principal Place of Residence concession.

Investment

When thinking of buying an investment property it is important to make sure that your borrowings are structured in the most tax effective manner. Our mortgage consultants will assist you with this or you can speak with one of Minervas Financial Planner. We will assist you to make sure that you correctly use negative gearing, the correct ownership and use interest only facilities where appropriate. The wrong structure can cost thousands in tax savings. Also ask our Mortgage Consultants about our depreciation schedule service.

Refinance and Home Loan Review Service

With Banks constantly changing the terms and conditions of loans and adding new loans to their range it is more important than ever to review your loan facilities. Ask our Mortgage Consultants to perform a free no obligation Home Loan Review.

Debt Consolidation

Debt Consolidation is where you consolidate a number of existing loans with the one loan generally reducing your monthly payments and often reducing the interest rate and interest being paid.

If you have credit card debt or a personal loan debt, loan consolidation may save you money. Ask our Mortgage Consultants about our Free and No Obligation Home Loan Review Service.

Commercial

Minerva can also provide business and commercial loans with a panel of specialist commercial lenders available to assist with:

• commercial property;
• cash flow funding;
• development finance; or
• rural and agricultural finance.

Leasing/commercial hire purchase

Leasing Finance is available from a number of our panel lenders so ask our Mortgage Consultants about a finance solution structured for your needs.

Personal loans

Our Mortgage Consultants can assist you with personal loans which can be a convenient and fast solution to your smaller personal borrowing needs

Self Employed

Minerva provides a specialized service for the self employed, with a wide range of Lo Doc and No Doc loans available and considerable commercial and business loan experience.

For more information about the offers, simply call 1300 796 774 or your local office.