Property and Business Loans

What we offer

A residential home loan is a type of loan used for buying your home. It can be a single storey house, apartment or something more substantial. It is typically secured by the property.

Residential home loans are offered by banks, credit unions, and other financial institutions. Borrowers have a huge number of lenders to choose from and we help you choose the best deal for your circumstances.

The loan assessment process includes valuating the property, assessing your ability to make repayments and assessing your financial situation.

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Investment property loans are used to purchase one or more real estate investments. They are typically used to purchase rental properties, such as single-family homes, apartments, and commercial buildings.  

Investment property loans allow investors to take advantage of the equity built up in the property, leverage their existing assets, and diversify their portfolio.

By investing in real estate and taking advantage of the loan, investors can build their wealth in two ways: through the appreciation of the property’s value and through rental income.

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Construction loans are short-term loans used to finance the building or renovation of a property. They are usually taken out by property developers, new home owners, and business owners for the purpose of building a new structure or renovating an existing one.  

By taking out a construction loan, property developers, new home owners, and business owners can finance the construction of a new property, or the renovation of an existing one, without having to pay for the full cost upfront.

Construction loans are typically only temporary, and are usually repaid when the project is completed and the property is sold or rented. Construction loans can help property developers, new home owners, and business owners to fund their projects without having to use their own money.

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Refinancing an existing property loan is the process of taking out a new loan to pay off an existing loan in order to obtain a lower interest rate, reduce monthly payments, or access cash.  

In a climate of rising interest rates, the main benefit of refinancing is to lock in a lower interest rate, which can save thousands of dollars in interest payments over the life of the loan.

Refinancing may provide access to cash which can be used to pay down debt or make home improvements. Finally, refinancing can also result in a lower monthly payment, freeing up cash flow to be used elsewhere.

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Business asset finance are loans that businesses can use to purchase assets such as equipment, vehicles, and real estate. It can also be used to finance improvements to existing assets.  

This type of financing allows businesses to purchase assets without having to use up all of their available cash. By using asset finance, businesses can free up their cash flow and use the money for other purposes such as marketing and staff training.

This can help businesses grow by allowing them to make investments in assets quickly and without draining their cash reserves.

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PB Loans was
created as a result
of a 15-year journey
in property and
finance education.

With over 30 years of experience in property investing, business, and the healthcare profession, we understand the challenges of finding profitable properties when time is limited. We are passionate about helping busy people reduce their risk and maximize leverage for wealth creation through property.

 

We help clients find the most suitable loan solutions. We educate our clients in wealth creation strategies and due diligence when making property acquisitions.

FBAA
AFCA
Outsource Financial
CPA Australia

Why choose us

What clients say

"I recently had the pleasure of working with PB Loans, who provided me with a great experience throughout the process of obtaining a mortgage. Gemma was extremely knowledgeable about the property market and had access to a wide variety of bank finance options. She was also incredibly efficient, always keeping me informed of any changes or updates and providing a speedy service. I am very satisfied with the outcome and would highly recommend PB Loans to anyone looking for a knowledgeable, efficient and reliable mortgage broker."
Keith G.

Some of our Top Partners

Commonwealth Bank, CBA, www.commbank.com.au
ANZ bank, anz.com.au
Westpac Bank, www.westpac.com.au
St George Bank, www.stgeorge.com.au
National Australia Bank, www.nab.com.au
Bankwest Bank, www.bankwest.com.au
Bank of Melbourne
Bank of SA
Adelaide Bank, www.adelaidebank.com.au
Suncorp Bank, www.suncorp.com.au
Mortgage Ezy
AMP
Pepper Money
MA Money
Firstmac

We will work with you efficiently to find the right loan solutions,

guiding you with knowledge and expertise
that create financial security through
property investment

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