Services

At Escalate Finance, our role is to help make the process of securing your property straightforward and seamless. Whether you’re a first home buyer, upgrader, renovator or property investor, we can help find the right loan for your needs and manage the paperwork for you right through from loan application to settlement.

During your initial consultation, we will discuss both your short and long-term finance and lifestyle goals. Based on this information, we will then research and compare home loans from a wide range of lenders to find the right options for you. Put simply, meeting with Escalate Finance is like visiting multiple banks in a single appointment.

We will then prepare and present your tailored report with how much you can borrow; how much you can afford to repay and a selection of carefully researched recommended lenders.

We will clearly explain all the loan features, costs and conditions. We will also negotiate with the lenders on your behalf to ensure that you obtain all the available discounts and fee waivers that individual borrowers may not be eligible for.

At Escalate Finance, we are committed to supporting your financial future and want to ensure you are always in the most competitive financial position possible, we will also conduct annual Home Loan Health Checks to determine whether you still getting the right deal for your changing circumstances.

When you are considering an investment property or investment loan, it is likely that you are already familiar with the mortgage process – but there are often additional factors that may impact the decision about which loan is most suitable for you.

At Escalate Finance, we can help you select the right loan option and structure that is aligned to both your personal circumstances and financial goals. Once we are clear about what you want to achieve and within what time frame, we can help make you an informed decision around the specific features of your investment loan as well as your repayment strategy. For example, you may wish to pay off your loan as quickly as possible or you may want to minimise your repayments because your family is rapidly growing.

We will also consider if a redraw facility is important to you or whether a fixed loan might provide you with the certainty you need for the next few years. We can even explore options such as keeping your current home as an investment and using the equity you have built in it to fund the purchase of your new home.

At Escalate Finance, we understand that your life never stands still – and neither should your mortgage. If change is afoot, it might be timely to search for a home loan that is more suitable to your current needs.

Competition in the lending market is fierce and with new loan options available, your current home loan may not have the range of flexible features that are now accessible to you. Given this, it is worthwhile revising your home loan on an annual basis to ensure that your current loan is still helping you achieve your financial goals and that it is still competitive in terms of its interest rate and fees.

Refinancing your loan may allow you to:

• Secure a better interest rate 
• Switch between variable and fixed rates
• Reduce your monthly repayments
• Access equity in your home to build additional wealth or achieve personal goals e.g. home renovations, security for an investment property, taking a holiday
• Consolidate debts such as a personal loan, car loan or credit card

Once you are clear on your reasons for refinancing, our lending professionals will help you compare the various loan options available to you. We will ensure that you understand the costs involved in refinancing and most importantly, how much you will save in the long term.

A year after the refinancing has occurred, we will conduct a Home Loan Health Check to ensure that the new home loan is still the most appropriate for your personal and financial circumstances.

At Escalate Finance, we can assist you with a range of commercial lending options including:

• Commercial property mortgages
• Development finance
• Cash flow finance
• Asset finance
• Chattel mortgage
• Hire purchase
• Sale/lease back
• Novated lease

We can help reduce the need for upfront capital for investment and improve the efficiency of your cash flow via a selection of commercial lending options. Our lending professionals will work with you to develop a strong understanding of your business growth objectives and partner with you to structure the most efficient funding vehicle to drive success.

At Escalate Finance, we can offer flexible loan terms and conditions that vary from low-rate straightforward investment loans to more highly leveraged loans for construction projects, retail, industrial and commercial properties.

At Escalate Finance, we can help you take control of your finances by streamlining your existing loans and debts into one manageable loan. By bringing all your outstanding loans and debts together, we can help you manage your repayments and give you a clearer picture of your financial future. Simplifying your banking with a single repayment can alleviate stress and confusion and, save you time and potentially money.

By combining multiple loans and debts, we can often secure a lower interest rate on your debt consolidation loan thereby reducing the amount of overall debt, the amount of your monthly repayment and potentially, the time it will take to clear your debt.

During your debt consolidation consultation, we will discuss your financial goals and current circumstances. We will then compare debt consolidation and debt refinancing solutions from our panel of over debt refinancing solutions from a wide range of lenders and select the right option to match your unique situation. and select the right option to match your unique situation.