Personal Loans
Need access to funds? We help you find a personal loan that suits your situation and goals.
Rated 5 from 76 Reviews
Need access to funds? We help you find a personal loan that suits your situation and goals.
Rated 5 from 76 Reviews
At fundfin., we understand that life presents a wide range of financial needs - from planning a wedding or overseas trip to managing an unexpected expense. Personal loans can be a practical way to access funds when you need them most. Through our network of banks and lenders across Australia, we help you identify a loan structure that aligns with your financial position and objectives.
Personal loans are versatile by nature and can be tailored to suit a variety of purposes. Whether you're consolidating debt, covering a one-off cost, or funding a significant life event, understanding how interest rates affect your total repayments is essential. Rates vary between lenders and are influenced by your credit history and overall financial profile. We help you compare home loans and personal lending options side by side, so you can make a well-informed decision with confidence.
Your credit history carries significant weight in the personal loan application process. A strong credit profile can unlock more favourable rates and terms, while a complex history doesn't necessarily close doors - it simply requires a more considered approach. At fundfin., we assess your credit position, provide clear guidance on where you stand, and work with you to explore all available options. Our goal is to give your application the strongest possible foundation.
The application process itself doesn't need to be overwhelming. Our team manages the detail - from document preparation through to submission - so you can focus on what the funds are actually for. We also help you understand what lenders look for beyond income, including demonstrated savings habits and financial stability, both of which can meaningfully strengthen your application.
For clients with broader financial goals, a personal loan may sit alongside other lending solutions. If you're also exploring refinancing, car loans, or asset finance, we can take a holistic view of your position and structure your borrowing accordingly. Equally, if you're a business owner with personal and commercial needs, our business loans expertise means we can support you across both.
At fundfin., we bring clarity to the lending process - helping you weigh up interest rates, loan amounts, repayment structures, and lender criteria so you can move forward with a plan that works. Book an appointment with our team today to explore the personal loan options available to you.
1. Initial Consultation
Your journey starts with a conversation. We take the time to understand your financial goals, the purpose of the loan, and your current financial situation. This gives us a clear picture of what you need and allows us to outline the most suitable personal loan options from our panel of banks and lenders across Australia.
2. Financial Assessment
We conduct a thorough review of your income, expenses, assets, liabilities, and credit history. This assessment determines your borrowing capacity and helps identify the loan amount and structure that suits your circumstances. We'll also explain key terms - such as comparison rates, fees, and repayment schedules - so you understand exactly what you're committing to.
3. Exploring Loan Options
With a clear picture of your financial position, we compare personal loan products across multiple lenders. We assess interest rates, fees, repayment flexibility, and loan features to identify the options that genuinely suit your needs - not just the ones that look good on paper.
4. Preparing Your Application
Once you've chosen a loan product, we manage the application process on your behalf. This includes gathering supporting documents, preparing your file, and submitting your application to the lender. We liaise directly with the lender throughout, keeping you informed at every stage and addressing any queries that arise.
5. Approval and Next Steps
When your loan is approved, we walk you through the loan agreement in plain language - ensuring you understand the terms, repayment structure, and any conditions attached. We'll also flag any relevant insurance considerations and help you set up repayments in a way that fits your cash flow.
6. Ongoing Support
Our relationship doesn't end at settlement. As your financial situation evolves, we're here to review your lending arrangements and ensure they continue to work in your favour. Whether that means adjusting repayments, exploring refinancing, or planning for a future financial goal, fundfin. is with you for the long term.
MW
Maria Wolfenden
James took away all the stress and hassle of finding an easy to manage loan with a straight forward processs and clear directives. As it's turned out, I've learnt that online banks usually have the best deals ... and that's where I'm set up. Feeling settled in my new home and a loan that I can easily manage from my phone.
HH
Harry Hills
This is now our 7th loan we have gone through with FundFin inc vehicles, investment properties and developments - every time its the easiest part of the project working with FundFin - recommend to your friends and family the great team at FundFin
RG
Rebecca Gray
We had a fantastic experience working with James. From start to finish he was nothing but professional and an absolute pleasure to deal with. He kept us updated throughout the entire process, always making sure we knew exactly what was happening at each stage. No question was ever too much trouble. He took the time to answer everything clearly and helped guide us whenever we were unsure or didn’t fully understand something. His support and patience really made the whole process less stressful. We would highly recommend James to anyone looking for a reliable and knowledgeable broker. We truly appreciate all the help and cannot thank him enough for everything he has done for us. Craig & Bec
An offset account is a transactional account that sits against the loan. Any funds held in this account go to offsetting interest payable on the loan. For example, if your loan balance was $100,000 and you held $90,000 in your offset account, you would only be paying interest on $10,000. While the principal reduction repayments would remain the same, you would pay less interest over the life of the loan, thereby reducing the overall loan term saving you thousands or more! As with any everyday transactional account the funds are accessible at any time.
Generally if you are on a fixed rate loan you won't have access to an offset account however some lenders offer niche products that allow you to offset all or part of the fixed loan.
Redraw is where you make additional repayments above the minimum required as part of your loan contract. Some lenders allow you to draw on these additional repayments as required (sometimes for a fee) however this may impact on your loan balance and the interest payable.
Mortgage brokers operate independently of any financial institution. We're not locked into any relationships with specific lenders and want you to have the most competitive option based on your own unique set of circumstances. There is no 'one fit' solution for any client and we aren't limited to one lender's suite of products.
Best of all - there is no cost to you to use our service!
Yes you can. It comes down to the purpose and use of funds, as dictated by the appropriate lending guidelines.
For example, residential loan cannot be used for business purposes and vice-versa. We can assist in determining what loan is most suitable for your circumstances.
Not necessarily! Lenders Mortgage Insurance (LMI) is a premium charged by the lender's insurer for customers who need to borrow money above the maximum thresholds set by the insurer. Usually this is for loans above 80% loan to value ratio (LVR). However, some lenders offer LMI waivers for clients with certain professional qualifications up to 95% LVR, and other lenders may offer an alternate interest rate for customers with lower deposit without charging an LMI premium. There are also government backed first home buyer schemes which may allow for a deposit of 5%.
If you have any existing properties, you could also use the equity towards some or all of the deposit, including any associated costs such as stamp duty.
Some lenders also offer family pledge, or guarantor products where you can use the equity in a family member's home to borrow up to 100% of the purchase price plus costs.
Borrowing power is determinant on several factors. These can be a combination of, but are not limited to;
The lender
Your income (including rental income, pensions or super annuities, and government payments)
Your existing liabilities, such as credit cards, personal loans and HECS debts
Your monthly living expenses, fixed and discretionary
Lenders stress test the ability to afford loan repayments by running the loans against a floor rate, which is usually a couple of percentage points above the current market rate. This is to safeguard you in the event that if interest rates were to rise, you could still afford to make your repayments without experiencing significant hardship. Some lenders' floor rates are higher than others, meaning that you may be able to borrow more with Lender A than Lender B.
Existing debts, such as credit cards will also have an impact on how much you can borrow. While a $10,000 credit card might not seem like a lot in the scheme of things, it could be the difference of tens of thousands of additional borrowings on your home loan! This is where we can guide you to find the right options to suit your circumstances.
Absolutely - we can guide you through the entire process, from how much you can borrow, to first home buyers concession eligibility, putting you in touch with conveyancers and much, much more!
Absolutely, however it is important to note about what your goal actually is. For the sake of a few thousand dollars is it worth paying a few basis points more where any cash gain you have made will be eroded by the additional interest you're paying. If you have entered in to a longer loan contract, then you will likely end up paying more interest over the life of the loan, even if your initial rate is lower than what you were on.
Many lenders are offering rebates between $1000 and $4000 and some of these multiply per property refinance. We can discuss these options with you in your initial enquiry.
fundfin. ABN: 33 673 272 378, Fundfin Pty Ltd ABN: 33 673 272 378. Credit Representative #527192 is authorised under Australian Credit Licence #389328.
Disclaimer: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.
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