Loans for Personal Use

No repayments! - Reverse Mortgage - Equity Loans

There comes a time in all our lives that we all need to plan for our retirement and Equity Loans or Reverse Mortgages as they are also know are a great way to do that.

Effectively an Equity loan allows you to borrow against the value of your home and never make a repayment. The loan is reconciled when the property is sold or refinanced. The Equity loan is a great way to allow you to enjoy your retirement or share some of your equity with your family.

Debt reduction. Payments getting out of hand?

Let's face it, it's so easy to have too many debts, debts like credit cards, store cards, personal loans and your mortgage. Pretty soon you end up paying way too much in interest.

What a consolidation will allow you to do is combine all those little and expensive debts into one affordable mortgage. The effect on your weekly budget can be dramatic.

Whilst many lenders restrict how many debts they will allow you to consolidate, Oasis have a number of loan products that have no restriction and that includes favourable consideration where payments may be in arrears.

Personal Loans - Stop dreaming, that special car or holiday may be closer than you think.

Stop dreaming, that special car or holiday may only be an application away

Yes Oasis even do Personal Loans. While you do need a good credit history and steady employment history almost any personal use for the loan can be considered.

First home? 100% home loans are possible

If you're a first home buyer you may be eligible for the governments First Home Owners Grant. Click on the link below and check out the governments web site.

Many of the lenders associated with Oasis Home Loans are accredited with FHOG which means you can use the full grant as part of the property purchase.

Your Oasis consultant can assist you with your FHOG application. Oasis even have no deposit home loans up to 106% of your home's purcahse price.

Click here to go to the FHOG web site

Investment use

Home Improvement loans allow all of us to improve our hopes and help us further improve the asset we hold in our homes.

Accessing the equity we have in our homes is a great way to add an extra room or re-do the kitchen. Oasis have a range of lenders who understand the needs of those doing home improvements.

Lo and No Document loans

If you're self employed it can often be a full time job just making sure the business is functioning profitably let along getting all the necessary paperwork done to satisfy your Accountant and the Tax Office.

So if your accounts aren't up to date and you're in need of a real estate secured loan then a Lo Doc loan may be the way to go. Some lenders require the borrower to "self declare" that they can afford the loan repayments while others may require an advice from an Accountant. There are many options out there. Lo Doc loans are also possible for borrowers who have credit problems.

No savings, Oasis have a solution

With real estate prices going up and up it's hard to put aside a decent deposit. Well there are other options.

Oasis Home Loans have no deposit home loans up to 106% of the value of the property being offered as security. Effectively that means you don't need a deposit and your FHOG can help you with those settling-in costs.

To qualify for a no-deposit home loan you will need to have good income, a good employment history and a clear credit history.

Is it time to move?

There comes a time when our current home may not fit our needs. Maybe it's time for a sea change or maybe the family is growing.

Whatever your circumstance, Oasis have a number of loans that would suit your needs.

Oasis can also arrange a deposit bond for you should you need one.

Home improvement loans

Home Improvement loans allow all of us to improve our hopes and help us further improve the asset we hold in our homes.

Accessing the equity we have in our homes is a great way to add an extra room or re-do the kitchen. Oasis have a range of lenders who understand the needs of those doing home improvements.

Our bank said NO!

Do you remember the days when banks actually valued their relationship with you. Today things are very different, if you don’t fit the banks profile for a client than tough luck.  

There are over 200 lenders in Australia now so just because your bank does the dirty on you don’t despair ..... there are other options. Oasis are specialists in placing loans for clients who have been rejected by the banks, even clients who are being given a hard time their bank.

All you need do is have a chat to your Oasis consultant and explain exactly what your problem is. Perhaps you have a credit problem or perhaps you're starting a business or perhaps you’re in business but don’t have your accounts up-to-date.