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Our Services
At Loan Panda, we're not interested in being your run-of-the-mill financial service provider. We are your business partners; the people you can rely on to help you get the most out of your money. We offer a suite of services that are designed to save you time and money so that you can focus on what's important to you.
The Loan Panda mission is all about investing our time, expertise, experience, and proficiency into providing Smarter Lending Solutions. Come one, come all, whether you're a seasoned property investor or just getting started. Our services are your key to investment success.
Accessing Equity
When it comes time to purchase your next investment property, you're going to want to have as much equity in your current property as possible – and at Loan Panda, we're equity connoisseurs. Our team of expert brokers will work with you to choose the valuation that reflects the maximum assessment of your home. From there, we'll find a lender willing to consider your home's equity when approving your loan. Don't settle for less than the best.
Loan Structuring
Paying off debt can be incredibly stressful, not to mention complicated. Straighten things out with our loan structuring services and maximise your borrowing power. With Loan Panda, you'll be guided through the entire process from start to finish. Allow us to steer you so you can reach your goals faster, creating a structure that directly leads to your optimal ROI.
Independent Loan Advice
It's tempting to take advice from Uncle Dave, but let's face it – the economy has changed a lot since he bought his first house. Delivering timely, market-relevant loan advice is best left to the professionals if you're looking for results. Our goal at Loan Panda is to remain on the front foot of the industry, consistently investigating and recommending new products that could work for you. Speak with our home finance experts for their informed, yet impartial, take on your unique situation – the relevant strengths, weaknesses, risks, and opportunities of the loan you're considering.
Debt Consolidation
Struggling to juggle your mixed bag of loans? Consolidate all of the interest rates and repayment dates into one simple, easy-to-manage loan with Loan Panda. You'll be amazed at how much pressure is alleviated by this one, powerful move. Not only will it be easier for you to keep track of your repayments, but you'll enjoy a reduced interest rate and actionable advice from our team of experts.
Maximising Lending
The size of your loan is generally determined by things like income, employment stability, and credit history. If you've got a low capacity for borrowing, it can be difficult to secure the loan you need. At Loan Panda, we've got a few tricks up our sleeve when it comes to maximising your lending power and securing the amount you need. We consider your unique financial circumstances and come up with smart solutions to get you the loan so that you can purchase the property you want.
Expat Loans
When you're an Aussie resident living overseas, the property investment process feels overly complex – but it doesn't have to be. We'll leverage your foreign income to make sure that you're getting the right possible deal on your investment loan.
We know how to structure these types of loans, so you can feel confident that your finances are in good hands. Loan Panda's large panel of lenders mean you'll have no trouble finding a lender who accepts your foreign income.
SMSF Loans
Traditionally, self-managed super funds (SMSFs) have been used as a way to save for retirement. But did you know that they can also be used as a powerful tool for property investment? SMSF loans work a little differently from regular investment loans, so it's important to seek professional advice before diving in. At Loan Panda, we can help you to navigate the SMSF loan process and expand your property portfolio.
Ijarah Finance
Ijarah Finance is a little-known Islamic finance contract that could be perfect for you if you're looking to invest in property without paying interest (Riba).
Ijarah Finance works by leasing your property from the bank or lender – essentially, you're paying rent for the use of the asset. This type of contract is permissible under Sharia law, and can be an excellent Halal-compliant way to buy a property without compromising your religious beliefs.
Debt Recycling
Looking for a tax-deductible debt solution? Debt recycling allows you to turn your non-deductible home loan into tax-deductible investment loan.
The beauty of debt recycling is that you can deduct the interest payments on your home loan as from your taxable income. This strategy can be used to pay off your home loans far sooner, reduce your tax bill, and grow your property portfolio all at the same time – and with our knowledge and expertise, we'll help you get there.
Interested in making a move?
The descriptions above are just a snapshot of what Loan Panda can do for you. If you're ready to take the next step, we'd love to hear from you.Get in touch with our team today to discuss your unique circumstances, and we'll put together a tailored solution that meets your objectives and goals.
Whether you're looking to consolidate debt, maximise your borrowing power, or Aussie Expat looking invest in property in Australia, we can help you make it happen.
Loan Panda is a specialised mortgage broking firm based in Hills District of Sydney. Helping homeowners and property investors grow their wealth faster.
Loan Panda Pty Ltd is a Credit Representative (529991) of Finsure Finance & Insurance Pty Ltd (Australian Credit License 384704)
*All applications subject to assessment and lender approval
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