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 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
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.
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.
Honeymoon Loans
A honeymoon loan (or introductory loan) is a loan with lower interest rates or lower repayments for the first six to twelve months. After the ‘honeymoon’ term, the loan becomes a standard variable rate loan and the repayments will change to include the current standard variable interest rate. When taking out a honeymoon loan, it’s important to make sure you can meet the potentially higher repayments for the remainder of the loan. You could also be faced with a fee at the end of the honeymoon period if you want to switch to another type of loan.
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:
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We will be easy to do business with
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You will talk to a real person
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We will get back to you
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We will go the extra mile, every time
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We will listen to what you want
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We will provide home loan options that suit your needs
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We will source competitive interest rates
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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.
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
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
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.
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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