Full Doc

A minimum of 2 years full financials required.

Apply Now >>

Lo Doc

For self employed applicants with complex structures, or those who simply aren't in a position to provide accountant prepared financial statements. Limited financial information required which can include (but not limited to) Cheque book statements, personal bank statements and accountants letters.

Apply Now >>

No Doc

No financial documentation required.

Apply Now >>

Private Lenders

No financial information. No income declaration. Lenders will rely solely on the quality of the security property. Make sure to provide a highly detailed description of the security property including tenant and lease details (if applicable).

Apply Now >>

Construction Loans

Not in the past 20 years has construction finance been so difficult to procure. Despite this, Folio Finance continues to be one of the few firms to successfully offer this form of finance in this very specialized field.

From your traditional 80% of hard cost lending to the more highly leveraged transactions that can require mezzanine finance, Folio Finance has the expertise to ensure the most efficient form of finance is secured for your next project.

Apply Now >>

(SMSF) Self Managed Super Funds

Borrowing through a SMSF can be one of the most tax effective ways to help grow your wealth. SMSF's can now borrow to purchase residential and commercial property. We will work closely with you and your advisers to ensure the most efficient form of finance is provided to maximize the return on your investment.

Apply Now >>

Residential Loans

Residential property/investment loans sourced from one of our many funders. Options include interest only, principle and interest, capitalized interest, Lo Doc, No Doc and Full Doc to name a few.

Apply Now >>

Risk Insurance

Investing is for the long term and your investments should be held for that ultimate goal of securing yours and your next generations, financial future. Once we have found the right lending product to assist you, we will then recommend you to our business partners who are experts in the specialized area of risk insurance. They will review your current insurance position and work within your budget to ensure that you have the appropriate protection in place, to preserve your income and your assets from any unforeseen events. It's the ultimate peace of mind.

Apply Now >>

FAQ's

Q: Who is Folio Finance?

A: Folio Finance Pty Ltd is a specialist commercial mortgage broker. We specialize assisting the Self-Employed and SME's with attaining property related finance.

Q: Is Folio Finance a lender?

A: No. We are a broker that sources funds on behalf of our clients. With access to over 50 lenders and our daily interaction with them, we are able to source the most efficient and relevant funding available, saving you time and money.

Q. What type of clients does Folio Finance target?

A: We specialise in clients who are self employed who may:

  1. need to refinance or raise capital using a commercial property,
  2. wish to purchase a commercial property but lack the financial information to meet their banks criteria,
  3. be tired of their banks annual review process and want a long term facility with no annual reviews,
  4. have been advised by their banks that they cannot assist or even been declined by their bank,
  5. require a Higher LVR then their bank is offering,

Q: Are your interest rates competitive?

Yes ! Especially when you consider that some of our lenders require only minimum financial information to approve your loan. Our lenders price for risk. What this means is that our lenders have the flexibility to take on transactions that are deemed "high in risk" by the major banks, on the basis that they can price it at a rate that is commensurate with that risk. This translates into higher approvals and a higher success rate for our customers. Apply for a fast quote now or call 0388445555 to speak to one of our specialists.

Q: How do you charge for your service?

A: We either charge you a fee for our service (usually a percentage of the loan amount) or receive a commission from one of our lenders (or a combination of both). Folio Finance prides itself on its transparency and full disclosure of any upfront commissions earned. We will provide a quote at the earliest stages of your application detailing all fees and charges. If we are being paid an upfront commission (which is not always the case) this will be disclosed.

Q: How is my privacy protected.

A: At Folio Finance, we are committed to protecting your privacy. We use the information you provide to advise about and assist with your finance needs. We only provide your information to the companies with whom you choose to deal with (and their representatives). We do not trade, rent or sell your information.


If you don't provide us with full information, we can't properly advise you. You can check the information we hold about you at any time.



 

 

 

PLAN We are members of PLAN (Professional Lenders Association Network) and operate under their strict code of practice. Read more


MFAA We are Full Members of the MFAA (Mortgage and Finance Association of Australia) and as such, we meet the highest industry qualifications and professionalism. Read more


COSL If you have a complaint, and we cannot reach an agreement on your complaint, you may refer the complaint to an ASIC Approved External Dispute Resolution (EDR) Scheme. Read more


PRIVACY STATEMENT Read our privacy statement.




 
site by: rhombus digital