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 * 0461 320 890
   office@sfsnt.com.au


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Simple Finance Solutions


SPECIALISTS IN MORTGAGE BROKING AND LENDING

Professional mortgage brokers ready to help you.

Book an Appointment
About Us
Professional mortgage brokers ready to help you.
Resources
Understand what is going on in the financial industry
Calculators
Find out how much you can borrow
About Us


OUR AWARD-WINNING TEAM IS READY TO HELP YOU!

At Simple Finance Solutions, we strive for excellence in all that we do and look
forward to helping you reach your finance goals. We believe that loan products
should be easy to understand, easy to access and allow you peace of mind. We are
an established and highly experienced financial services group with a wealth of
knowledge in financial lending. Our director Kenwood Lay is a highly qualified
and certified finance broker.

Simple Finance Solutions offers a professional and totally independent mortgage
broking service to enable you to access the best loan packages available across
Australia. We keep things simple and explain each process in terms which
everyone can understand.

We are committed to providing our clients with the highest standard of customer
service whilst helping you to get the best deal for your situation. Whether you
are buying your first home or your dream house. If you are a prospective
investor looking to buy your first investment or a seasoned investor. Maybe it
is time for those renovations. Or you simply just want to know if there are
better refinance deals out there. Whoever you are and whatever your needs, we
welcome you to talk to us.

At Simple Finance Solutions, you will speak to a real person. We will guide you
through your loan process, providing you with information and support every step
of the way. We are committed to not only looking after you in the short term, we
consider your future needs, investment financing advice and wealth creation
strategies from the get go, so you can feel confident you have chosen the right
team for your financial situation. Please contact us to learn more about how we
can help you today.

Services


GET THE RIGHT LOAN FOR YOU

We look forward to helping you with your finance needs. We can help first home
buyers, next home buyers, refinancers and investors. Have a look below to see
what kind of services we offer, or call us to discuss your specific
requirements.

There are literally hundreds of loan products on the market today and it is our
job to help you find the right solution to suit your individual needs and
servicing ability.

We pride ourselves on delivering proactive service and support. We have
extensive experience in all things lending, including:


SUPPORTING FIRST HOME BUYERS

Just starting out and not sure what kind of loan you need? No worries! We are
here to help. As a first home buyer, you can obtain finance from a financial
institution (a loan) either to purchase or secure against the property, with our
assistance. Features of a mortgage such as the size of the loan, maturity of the
loan, interest rate, method of paying off the loan and other characteristics can
vary considerably. It’s always best to speak with a professional mortgage broker
to discuss your options. We can also help you determine your eligibility and
apply for the First Home Owner’s Grant


REFINANCE LOANS

Refinancing is potentially the simplest way to save you money. All banks offer
different interest rates, different discounts, and the home loan you signed up
for previously may not be the best fit for you today. Interest rates are always
on the move and market conditions are constantly shifting, that’s why it makes
sense to consider refinancing to ensure you’re getting the most from your home
loan. Our mortgage consultants will help you by negotiating a better rate with
your current lender or securing a lower interest rate with a new lender.

Consolidating and combining all your loans into a single loan, can also
potentially save thousands of dollars. Consolidating higher interest personal
debts like car loans, personal loans and credit cards into your home loan at
lower interest rates could save you thousands in yearly interest. Monthly
repayments are also easier to manage when you have a single mortgage repayment
which can help to ease any financial burden. We would love to provide you with
some refinance options.


INVESTMENT LOANS

Investment loans are structured in a specific way to allow you to make the most
of your assets and finances. We can work with your financial planner and
accountant to ensure your loan is set up to meet your specific needs, and we
have access to competitive loan options that can help you maximise your
investment returns.


MEDICAL PROFESSIONAL LOAN

We have access to special loans which are only available to Medical
Professionals. Eligible Medical Professionals get priority service, heavily
discounted interest rates, waived mortgage insurance fees and increased loan
limits. Lenders classify the medical profession as very low risk and
high-quality clientele, so they reward this industry accordingly with added
benefits. These products are designed to save you time, money and we can tailor
a finance solution to suit your unique needs. Let us look after your finance
needs so you can focus on more important things in life.


LEGAL AND ACCOUNTING PROFESSIONAL LOAN

There are special types of mortgage products for people who work within the
Legal and Accounting professions. Eligible Legal and Accounting Professionals
get priority service, heavily discounted interest rates, waived mortgage
insurance fees and increased loan limits. Legal and Accounting Professionals are
classified as low risk borrowers and qualify for special benefits. We understand
how busy you are and we are dedicated to making the process as streamlined and
time efficient as possible, we can even come to you during or after business
hours.


FAMILY GUARANTOR LOAN/NO DEPOSIT LOAN

A Family Guarantor Loan is commonly known as a Guarantor Loan or No Deposit
Loan. These types of loans allow you to use some equity in a family members home
to assist you to obtain a home loan, even if you have little to no savings or
deposit. This effectively allows you to borrow 100% of the purchase costs whilst
also eliminates the need to pay for Lenders' Mortgage Insurance (LMI) fees. This
unique option can save you thousands of dollars, whilst also allowing you to
gain discounted interest rates and other benefits which normally would not be
offered for borrowers with smaller deposits.


COMMERCIAL LOANS

Commercial property and business lending policies and interest rates are rarely
found on lender’s websites. Unlike residential home loans, the pricing of a
commercial loan can be negotiated based on your background in business and the
security to be offered. If you need help to refinance or purchase commercial
property, just contact us today.


STANDARD VARIABLE & FIXED RATE LOANS

The variable rate loan offers more features and flexibility than the basic fixed
rate loan, so the rate is usually slightly higher. Fixed rate loans are set at a
fixed rate for a specified period – usually one to five years. This gives you
the advantage of knowing how much your repayments will be, allowing you to
organise your finances without the risk of rising interest rates. However, this
advantage is offset by the possibility of not benefiting from a drop in rates.


BRIDGING LOANS

A bridging loan may be necessary to cover the financial gap when buying one
property before your existing one is sold. This finance is secured against the
existing property (utilising equity) and the new property being purchased.
Usually, bridging loans are short term (normally 6 months) to allow for the sale
of the original property and more expensive than other types of loans. There are
alternative ways to finance a change from one home to another, so please talk
with us to discuss your options.


ASSET FINANCE

Need finance for another large purchase besides your home? You can also ask us
to access competitive finance options for private cars and recreational
vehicles, commercial vehicles, plant and equipment for your business and other
kinds of small business loans for a variety of purposes. These finance options
may include personal loans, car loans, a variety of leases, commercial leasing
options, chattel mortgages and more.
Why Choose Us


WE'LL FIND THE LOAN THAT'S RIGHT FOR YOU

­­­Whether you are a just starting out with your first home, or you are a
seasoned investor, we are committed to providing you with the right home loan to
meet your needs. We will discuss every aspect of your loan with you and ensure
you understand the fine details – like competitive interest rates, offset
facilities, unlimited additional deposits and redraw facilities. You can rely on
us to provide you with customer service that you will value for the life of your
loan, and that we will continue to support you in achieving your future goals.

Putting our customers at the heart of everything we do sets us apart from our
competition. Our commitment to you, our borrowers:

 * We will be easy to do business with
 * You will talk to a real person
 * We will get back to you
 * We will go the extra mile, every time
 * We will listen to what you want
 * We will provide home loan options that suit your needs
 * We will source competitive interest rates
 * We are here to serve you and ensure you will be 100% satisfied with our
   service.

We have a dedicated team here in house. When you call us, your queries will be
answered by one of our friendly brokers. We will guide you through your entire
loan application or re-finance process and provide you with the assistance and
advice you need into the future.You can feel confident that you are in safe
hands and we will find the loan that’s right for you.

Contact us


WHAT OUR CLIENTS SAY..

A great service from start to finish! You made the process easy to understand
and the transition from my old lender to the new lender was very fluid. I will
never go direct to a bank again.
- S & P Lockers
When dealing with you to refinance my business and investment loans you were
always very professional. Your expertise on different banks and loan products
has ensured that I was given the best interest rate for my situation and I am
now saving money.
- A. Arcidiacono
I would definitely recommend Simple Finance Solutions. Kenwood helped me buy my
first home in 2005 and I have just bought my 2nd investment property. I will
continue to use his services as he understands my requirements and has always
delivered on his word. I have since referred him to friends of mine and they
talk very highly of his service also.
- M. Dodds
Simple Finance Solutions, what can I say! Kenwood, you are an exceptional
business man with a wealth of knowledge behind you. Thank you for helping us
achieve our goals of starting to build a property portfolio. We have you and
your team to thank for us being able to obtain investment number 2 under our
belts. Kenwood was always available to answer our calls at all kinds of crazy
after hour times. Any questions we had, he delivered accurate and informative
answers to us, which gave us the confidence to proceed without doubt. Whether it
was advice on going ahead with a property, to what type of finance structures we
should look at, we had trust in your guidance. I could not recommend Simple
Finance Solutions enough. Thank you again!
- C. Byrnes
Thankyou so much Kenwood. Couldn't have asked for more. Your service is above
and beyond. Thankyou for getting us our first home. Will definitely recommend
you.
- I. Schroder
Thank you very much for helping us on our first investment property. I'm sure we
will come across some hick-ups along the way in managing this, but I hope you
don't mind us asking you for advice in the future. As planned, once we get
enough equity on our properties, we will invest again. Definitely we will
recommend you to our family and friends. Again, thank you very much for the help
and encouragement.
- K and G Valera
Kenwood is very professional and his experience was very much appreciated. He
showed us how to reduce our home loan interest and utilise our income to provide
future savings and save years off our home loan. Your help will not be
forgotten.
- D. and T. Williams
We brought our first home Kenwood Lay went above and beyond to ensure we got the
home we wanted. Especially on the day of purchase!
- M. Procter
I had already seen a mortgage broker that I was happy with when my work
colleague referred me to Kenwood Lay from Simple Finance Solutions. I wasn't
really interested in seeing another broker but I was assured he was fantastic
and knowledgeable, so I spoke to him. Well, I have never looked back! I have now
purchased my own home and investment property thanks to Kenwood arranging my
finance. My loans have been structured to ensure my own home is separate to the
investment loans and I have been extremely happy with all aspects of the service
provided by Simple Finance Solutions. My friends and family are now also
client's of Simple Finance Solutions, I happily refer them everyone I know!
- S. Liu
Extremely informative and made the whole mortgage process enjoyable.
- T. Hoang






NOT SURE WHAT KIND OF LOAN YOU NEED?

The major benefit of using a broker to finance other large purchases besides
property is obtaining finance that is tailored to fit your current financial
circumstances and needs. With depreciating assets, the right finance can also
potentially save you the money on the interest and fees, or potentially help you
maximixe your tax benefits.

Not sure what kind of loan you need for your current financial circumstances?
That's our job. We deliver tailored finance solutions chosen from a panel of
leading lenders, and give you the peace of mind that your loan is working for
you. Contact us today to find out all the ways we can help you.

Contact Us
Calculator


USE OUR MORTGAGE CALCULATORS TO ESTIMATE HOW MUCH YOU CAN BORROW.

We’ve designed these calculators to give you a better insight into how the
lenders will view your loan application.

The information provided by the calculator is intended to provide illustrative
examples based on the stated assumptions of your input.
Results are a guide only and do not constitute financial advice or any guarantee
that you will be approved for a loan by a lender.

You should always discuss your individual circumstances with a representative of
Simple Finance Solutions before placing your deposit or purchasing any property.




Contact Us


GET IN TOUCH TODAY

When we help you with your borrowing needs, we consider you to be a client for
life. We want you to be confident that you are working with professionals who
have your best interests in mind now and in the long term.

We have many years of experience in finance and professional mortgage broking.
Our aim is to find you the best loan for your needs, and to make the process as
simple and transparent as possible.

Please get in touch with us today.



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ADDRESS

Office 2, 1 Fannie Bay Place,
Fannie Bay, NT 0820
0461 320 890
office@sfsnt.com.au




CONTACT

Address:
Office 2, 1 Fannie Bay Place, Fannie Bay, NT 0820
Postal Address: PO Box 78, Coolalinga  NT 0839
Phone:
0461 320 890
Email:
office@sfsnt.com.au

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0461 320 890

Simple Finance Solutions Credit Representative 537381 is authorised under
Australian Credit Licence Number: 389328 | ABN: 82635978648
Your full financial situation and requirements need to be considered prior to
any offer and acceptance of a loan product.