Time to purchase your new home?
Looking to invest in property?
Wondering how you'll afford your new car?

Our Services

First Home Buyer

A home buyer can obtain financing (a loan) either to purchase or secure against the property from a financial institution via a mortgage broker (that’s what we do!). Features of mortgage loans 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 mortgage broking professional to determine the loan that is right for you.

Investment Loans

Investment loans are structured in a specific way that allows you to make the most of your assets! An investment plan is one that works towards building your wealth and securing your financial freedom. For some, the future may seem a long way off, but the time to act is now because the future waits for no one. The housing market is generally a seven to ten year cycle: there are always highs, lows and steady patches.

Commercial Loans

Due to expensive upfront costs and regulation related hurdles, smaller businesses do not typically have direct access to the debt and equity markets for financing purposes. Therefore, they must rely on financial institutions to meet their financing needs. Commercial Loans are renewable loans used to finance a company’s immediate working capital needs. These can be large or small scale and usually operate short-term.

Standard variable & fixed rate loans

The variable rate loan offers more features and flexibility than the basic or “no frills” 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. The advantage of allowing you to organise your finances and repayments without the risk of rising interest rates is offset by the disadvantage of not benefiting from a drop in rates.

Honeymoon Loans

A loan with lower repayments for the first six to twelve months. After the ‘honeymoon’ the loan becomes a standard variable loan and the repayments increase. Make sure that you can meet the higher repayments for the remainder of the loan. You could also be faced with a fee at the end of the honeymoon period to switch to another loan type.

Bridging Loans

A bridging loan may be necessary to cover the financial gap when buying one property before the existing one is sold. This finance is generally secured against your property as you are utilising the equity in your existing property. Usually, bridging loans are short term and more expensive than other types of loans.

Mortgage Insurance

We also specialise in helping you secure your loan and financial freedom by offering risk and life insurance.

Car Loans and Plant & Equipment Finance

Centra Money provides a suite of lending products that are sourced from both traditional banks and non bank lenders, ensuring that our clients have access to products that will meet their individual needs with cheap car, truck and equipment rates.

Self Managed Super Fund Loans

We can help you secure property using your super. Talk to us about how!

Our role as your mortgage specialist is to provide you with comparison of various loan options from a panel of lenders, and assist you with choosing the right loan for your circumstances. Please call us and one of our mortgage brokers will contact you to discuss your eligibility for a home loan.

Our relationship with you doesn’t stop when you get your loan – we are always there to advise you as your situation and needs change. We provide a complete range of Financial Services:

Through our association with our Financial Planning and Wealth Management business, CENTRA WEALTH, we can also provide you with personal and tailored financial advice and investment strategies – including investment structuring and tax planning.

Resources to Help You
How else we can help you

CENTRA MONEY Pty Ltd (ABN 96 167 497 305) is a Credit Representative (#452523) of BLSSA Pty Ltd ACN 117 651 760 (Australian Credit Licence 391237) and trades as CENTRA MONEY. It is part of "The CENTRA WEALTH Group" | www.centrawealth.com.au.