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October
30
2018

Residential – Low Credit Score & High Density Off the Plan

Our client purchased an ‘off-the-plan’ apartment in a high-density area, resulting in a lower LVR, while in addition they had a very low credit score.Generally, a lender’s capacity to service a customer depends on a customer’s credit history and the associated risk, location, security type and ...

October
30
2018

Residential – Credit Impairment & Postcode Restriction

Our client wished to purchase a property in Western Australia for owner-occupied purposes. In most cases for this location, lenders are hesitant to lend due to its proximity to the mining region. In addition, our client had declared bankruptcy and had been discharged from their bankruptcy for les...

October
30
2018

Residential – Prestige Property & High Density

Our client purchased a luxurious property in a high-density area, which usually means a lower LVR (usually 70% LVR or less depending on location and security). In addition, the client had a restructure of his employment and was only one day into his new role as an executive, through which he had ...
SMSF Finance

June
28
2017

Short Term Construction Loan in SA

Our client needed a short-term loan to complete construction of a vacant investment property in South Australia. GCC Home Loans facilitated the finance for a six-month term, a $240,000 loan from one of our private lenders and the property was valued at $650,000 upon...
Residential Property Finance

June
28
2017

Jumbo Home Loan – $2.4 M Home in Sydney

Our client borrowed $2.4M to purchase an investment property in Sydney. GCC Home Loans successfully facilitated the finance required through a non-bank lender that offered 50% LVR, as well as a competitive interest rate.Read More >>

June
16
2017

Refinance Existing Loan + Renovation

Our client sought to raise funds to refinance an existing loan for residential property in Mount Elliot, NSW. Borrower needed an additional $108K for renovations for the property. We were able to facilitate finance for a lo...

June
09
2017

SMSF Loan – high density area

Our client purchased an apartment in a high-density area, which usually means a lower LVR. However, GCC Home Loans successfully facilitated the finance through a funder that offers 80% LVR, as well as a competitive rate. The loan amount settled was 70%, due to loan capacity, but 80% is achievable...

April
22
2017

SMSF Loan – 80% LVR, insufficient assets in SMSF

Our client sought to raise funds to purchase an investment property, leveraging their SMSF. The total net asset of the SMSF was $105,000, which is less than what most traditional lenders and banks require (the required range is usually $150,000 – $200,000).GCC Home Loans were able to help by fa...

February
11
2017

SMSF Loan – Off-the-plan security, insufficient serviceability within SMSF

Our client purchased an ‘off-the-plan’ property located in the Brisbane metro area, leveraging their SMSF. One year later when construction was complete, the lending policies for SMSF had changed, meaning that organising finance through traditional channels and lenders was no longer possible.GC...

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