I have a business background, having run a large family export business for many years. Like most of you I have spent much of my life borrowing money to run a business, to invest and to support my family and the families of my employees. This gives me an insight into what you what to achieve. I would spend quite a bit of time helping my employees getting their finances in line and how to go about buying their first home or investing so they could enjoy their retirement.
That is what made me decide to go into brokerage so I could help more people reach their financial dreams. Based on the Sunshine Coast in Queensland, Agri has an associate network on the North coast of NSW and in the darling downs region of QLD. Agri will travel or we can help you with your financial requirements remotely just call or request a call back.
The wide variety and number of home loans (professional packages, in-vestment loans, first home loans, honeymoon loans etc.) now available,with all the different lender's policies, makes it hard for the average person to find the loan that suits their situation. That is why using a mortgage broker makes it easier. I keep up to date with all our lenders policies and have a data base that is updated daily so I know when I come to see you I have the latest rates and policies that are available .
Whether you are looking for somewhere to hold and ride your horses, scenic views or just the uncrowded lifestyle Agri specialises in these types of properties and will help you find the ideal loan for you.
I am a broker who can read financials! Self employed clients are often frustrated by the local bank manager or finance broker who do not understand company and trust structures and/or how to read financial statements. In a world where borrowers are trying to maximize their borrowing or structure loans that are cost and tax effective, it is critical that the self employed and their accountants work with an experienced mortgage broker. If your broker can read financial statements and understand banks requirements, it can potentially save you thousands of dollars in fees and also get you a better interest rate. Having spent many years in this position myself and sat on the other side of the desk, I fully appreciate the difference my knowledge can make. Here at Agri we can help you put together a mixture of loans that work for your particular business.
We can organise the following loans for businesses:
With a background in business, I understand the information and detail that Banks require and how this information needs to be represented to ensure your loan is approved on the most favourable terms. I can read and analyse financial statements and cash flow projections and through my extensive experience can assist you with any form of commercial and business finance including:
Consider whether your current loans are structured for your business; whether the bank or lender holds the right mix of security or too much security; and have you recently reviewed your commercial property and business loans to ensure the interest rate and fees are competitive?
Your equipment and vehicles are the back bone of your company but can take a lot of cash flow or equity from your business. So to reduce the impact on your equity and being able to match the income generated to the expense of your equipment by leasing or chattel mortgage will do this. We have several specialist lenders who will look at anything from your car or computers right through to heavy equipment for farms, manufacturing equipment or planes and helicopters.
My specialty and passion is rural lending. I spent 30 years running a vertically integrated Agri business and have seen all the challenges that exist in Agri business particularly when you are talking to a bank manager that doesn't have a rural back ground. You also find that the major banks tend to move their managers every couple of years so you have to start all over again with them. You also feel that the bank has you locked into them. By using my services you deal with some one that understands your challenges and will broker your requirements to several banks and non bank institutions if required that will best suit your requirements and if you require on a confidentiality basis.
Using your super fund by borrowing to a level as approved by the Australian government top buy a investment property is proving to be a very tax effective investment strategy. As you would appreciate there is a large amount of regulations and paper work that needs to be covered to raise a loan for your self managed super fund. Agri finance can help you work through this process and find the best loan that suits your particular requirements.
ABN 59 135 374 579. Agri Financial Services PTY LTD aggregates through and represents Beagle finance Pty Limited ABN 31140290268 Australian Credit License 383640. Agri Finance Services PTY LTD Credit representative number is 462480.
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Your bank manager can only look at what they can offer where as a broker I can access up to 30 different lenders with a vast array of products.
"John has just helped us into our own business premises in Noosa. He had originally wanted us to go with a low doc loan but we got nervous with all the problems in the USA with those sorts of loans and we wanted to go with a main stream lender. He helped us put together a business plan and cash flow to show the bank how our business would be better off in our new premises which the ANZ ended up approving. We are so excited to be moving into our new premises". Mario & Meg, Noosa