Why choose Ability Finance to help choose and apply for your home loan, mortgage, refinance or other finance and loans?

Ability Finance is an independently owned and operated finance broker offering almost all types of home loans, mortgages, refinancing, competitive finance for cars, vehicles, fleet, plant and equipment.

Ability Finance clients include no deposit first home buyers, companies or trusts, property investors, self employed business people & credit impaired borrowers who are either acquiring property or restructuring and refinancing existing loans for many varied reasons.

More than one choice is nearly always available for home loan applicants and Ability Finance always take the time to ensure clients are aware of available options and the reasons behind why a specific loan is being recommended.

Helping clients choose and then apply for the most cost effective available finance which will meet their needs is just the beginning with Ability Finance. We will always offer ongoing support to all clients large or small. Potential borrowers, existing clients, suppliers and partners alike are all essential to the company that specialises in connecting people with the best finance solutions we can find. No up front broker fees and no obligation, an extensive range of lenders and hundreds of loans, we will arrange to meet with you when and where convenient.

Ability Finance is all about helping clients to choose a home loan that best meets their needs from amongst the hundreds of home loans that are available. Our software and IT utilisation provides the ability to make real comparisons and informed choices.

Ability Finance will always genuinely and honestly present only facts to clients, business partners and suppliers. Ability Finance services must deliver ongoing value to customers, business partners, suppliers, employees and to Ability Finance. Our employees will continually develop and maintain a network of industry contacts, sources of information, training and services enabling Ability Finance to deliver the answers you need.

If at any time Ability Finance cannot provide an answer then we at Ability Finance will always without hesitation introduce you to organisations that can supply those answers.

• Using a finance broker to find your next home loan or finance?
• Find out exactly what your options are and shop around if ever asked to pay a finance broking fee!
• If you choose to proceed, have everything prepared and done for you by your chosen finance broker.
• Remain informed without worrying if your application has been correctly lodged and is actually progressing without delay's.
• Choose a finance broker that will always be available for all your finance broking requirements and any changes into the future.
• Does your finance broker simply find you a loan or do they show you a range of loans, compare them, explain differences and help you choose?

A few reasons other Ability Finance clients have indicated were important to them in choosing a finance broker are....

• Saved time & money
• Ability Finance specialise
• Deal direct with an owner
• No broker fees
• Ability Finance come to them
• Protect your privacy
• Wide product selection
• Fast online applications
• Most types of finance
• Ongoing support
• Ease of contacting us
• Stay informed
• Receive real, lasting value
• Our integrity
• Professional Associations
• Clients interests first
• Keeping clients informed

1. Ability Finance specialise in saving individuals and businesses time and money by shopping around for the loan or finance product that best meets their needs and assist borrowers to apply, gain approval and subsequent settlement for the chosen loan or finance product.

2. Ability Finance are specialist finance brokers. Ability Finance are neither accountants, solicitors, real estate agents, building companies, car, vehicle, plant or equipment vendors, financial planners, financial advisers or conveyancer. Ability Finance focus 100% on maintaining the widest panel of available banks and lenders possible to provide clients with the broadest choice of home loans, loans and finance options we can. Specialisation ensures Ability Finance remain focused on submitting and continually checking that each and every loan is correctly processed in an efficient and timely manner while keeping applicants informed every step of the way.

3. Contact Ability Finance any week and receive individual, personalised attention from an actual owner of the company!

4. No Broker Fees. Some broker organisations will charge a fee for organising a loan while others may charge applicants if an application is unsuccessful or should they change their mind and decide not to go ahead with a loan. Choosing a home loan is a major decision and applicants don't need the pressure of losing money if for any reason they need to change their mind. Ability Finance do not charge applicants any upfront broker fees whatever the outcome.

5. Ability Finance arrange to visit either at a place of work, at a home or any other mutually convenient time and place.

6. Ability Finance will never arrive at your home or work in a vehicle that broadcasts to the world that you may be considering applying for a loan. Ability Finance are serious about your privacy.

7. Compare 100's of different home loans from over 50 different banks and other specialty home loan lenders in the one place and at the one time with Ability Finance.

8. Ability Finance lodge online home loan applications electronically with as many banks and home loan lenders as possible. It is possible in many situations, depending on the bank or lender chosen, to electronically submit your home loan application from the comfort of your own home or office and receive an answer or conditional home loan approval within minutes!

9. Ability Finance are able to assist clients with almost all other types of loans including business, commercial, investors, plant, equipment, cars, vehicles, fleet and personal loans. Your one stop loan shop!

10. Ability Finance do not bid clients farewell once their home loan is approved. If there are problems or at any time you wish to re-compare a home loan to other loans that are available, Ability Finance are always available for ongoing support and assistance with all loans. A large well know broker company we once used sent a farewell letter as soon as the home loan was approved, thanking us and advising that everything is now entirely between us and the bank and their work was done! We were left to organise with the lender to fix all the mistakes on the loan documents ourselves and when we went to restructure and purchase another property at a later date the same broker was not interested in helping. Ability Finance will always be available to you for any ongoing assistance with all loans or finance you may ever require.

11. Avoid recorded messages, message banks and automated receptionists. Every call to Ability Finance will be answered by a real person even if it is to simply take your number and message, if we happen to be on another call, so we can return your call As Soon As Possible.

12. Stay informed. Ability Finance will update applicants at every step of the way once we have lodged your loan application. Each application is continually monitored to ensure it is progressing in a timely manner and the status reported back to you regularly.

13. Some brokers offer to buy customers with cash back or commission rebate offers. Ability Finance will do everything possible to instead earn both your business and your ongoing recommendations about our service to friends, family and work colleagues. We achieve this by assisting you to find a loan that saves you as much time and money as possible both prior to obtaining the loan and following settlement. Ability Finance have home loans available where the total commission payable is less than some of the present rebate offers we have seen advertised while other finance products are available that would more than accommodate generous cash backs and we are more than happy to demonstrate and compare all available loans and commissions to clients and answer all questions. Ability Finance will always inform clients as to the full amount of commission that should be received if their home loan is organised by Ability Finance and settles.

14. Ability Finance do not enter into third party agreements with individuals or organisations to split part of any commissions for sending or referring clients to Ability Finance. Organising your finance is between the borrower, Ability Finance and the Lender, no one else period. Ability Finance believe these agreements could at times create conflicts of interest and result in a borrower obtaining finance that may not be as competitive as other currently available products. Of course Ability Finance will always welcome all referrals from any individuals and organisations and guarantee that your confidence in recommending Ability Finance will be more than confirmed to the persons that have been recommended through the level of service we provide.

15. Ability Finance consultants belong to and support the Mortgage & Finance Association of Australia and belong to the Credit Ombudsman Service Limited and more information regarding these organisations and the benefits to home loan borrowers is located on this page.

16. Ability Finance recommend that all borrowers always seek independent professional advice when considering credit and a great place to start for New South Wales residents in the NSW Department of Fair Trading.

Complete this home loan enquiry form and send to Ability Finance. Ability Finance can prepare a recommendation of available finance that may meet your needs.