Home - Fit Loans

We work for you,
not the banks

We sort through hundreds of loan products,
from over 35 different lenders, to find
the loan with the right fit for you.

Relax, we do all the legwork and keep
you informed every step of the way

Fit Loans exists to provide a fresh, honest and customer focused approach to lending.

About Us

Fit Loans was created to help borrowers find a suitable loan product and structure that fits their borrowing and financial needs. We pride ourselves on our high quality of client care and keeping you informed every step of the way.

With the market flooded with a variety of loan options, Fit Loans is here to take out the confusion and stress associated with finding a suitable loan for you.

We are dedicated to assisting you to find the loan that fits your needs. Whether you are ready to buy your first home, refinance an existing loan, looking for an investment property or simply wanting to learn more about reducing your debt, Fit Loans is here to help.

Variable, fixed, interest only, LVR, LMI…. we cut through the jargon and explain things in an easy to understand manner. We weigh up all your options and take you through our recommendations step by step.

We don’t play favourites with lenders – we find the most suitable fit for you. Fit Loans advice is free of charge.

It only takes a minute to complete our enquiry form and from there, a Fit Loans consultant will be in contact within 24 hours to provide assistance and answer any queries you may have.

All information will be kept strictly confidential and secure.

Frank Zinghini
Managing Director

Fit Loans was created to help borrowers find a suitable loan product and structure that fits their borrowing and financial needs. We pride ourselves on our high quality of client care and keeping you informed every step of the way.

With the market flooded with a variety of loan options, Fit Loans is here to take out the confusion and stress associated with finding a suitable loan for you.

We are dedicated to assisting you to find the loan that fits your needs. Whether you are ready to buy your first home, refinance an existing loan, looking for an investment property or simply wanting to learn more about reducing your debt, Fit Loans is here to help.

Variable, fixed, interest only, LVR, LMI…. we cut through the jargon and explain things in an easy to understand manner. We weigh up all your options and take you through our recommendations step by step.

We don’t play favourites with lenders – we find the most suitable fit for you. Fit Loans advice is free of charge.

It only takes a minute to complete our enquiry form and from there, a Fit Loans consultant will be in contact within 24 hours to provide assistance and answer any queries you may have.

All information will be kept strictly confidential and secure.

Frank Zinghini
Managing Director

Our Services

Home loans

Refinancing

Business lending

Investment loans

Construction loans

Commercial loans

Motor vehicle finance

Asset finance

Debt consolidation

Self managed super funds

Our Services

Home loans
Refinancing
Asset finance
Business lending
Investment loans
Commercial loans
Debt consolidation
Construction loans
Motor vehicle finance
Self managed super funds

Why Choose Us?

Whether you are a first home buyer or a seasoned investor, Fit Loans will find the right loan to fit your needs. We will provide you with quality customer service that you will value for the life of your loan.

We have access to over 35 different lenders
Our services are provided free of charge
We work for you, not the lender
We will be easy to do business with
We will always get back to you promptly

You will be kept informed every step of the way
We will go the extra mile, every time
We will listen to what you want
We will provide a loan solution that fits your needs
Our team is qualified and fully compliant

Education Centre

Fit Loans believe that you can never learn too much. That is why we have set up an education centre providing informative articles and check lists that can be read online or downloaded for later viewing.

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Testimonials

Would highly recommend. Amazing service. Frank was extremely efficient with his responses and always explained everything thoroughly (good and bad). We were very impressed with the service and are very thankful to have had such a great broker!

Shenae Clements
June 8, 2023

Just refinanced with Frank's assistance and he made the process so smooth. It's such an advantage when your mortgage broker goes above and beyond to understand what you need, what your priorities are and what will work best for you. We will definitely keep coming back each time we need help with financing.

Harvey Jones
December 8, 2022

Great experience with Fit Loans. A friend recommended them and I'm so glad they did. Frank was so helpful and approachable. He always explained things clearly and patiently answered my questions. Highly recommend.

Sarah Ryan
December 8, 2022

Look no further than Frank @ Fit Loans - you won't be disappointed. Frank was recommended to us when we wanted to know more about our financial circumstances and were not in a position to buy our new home. He came on the journey with us, provided constant advice, was pro active, very responsive and when we found out perfect home went over and above to help us secure our home. Countless emails & phone calls day and night, Frank truly went above and beyond. Looking forward to our next opportunity to use Fit Loans again.

Catherine Maiuto
December 8, 2022

As a first home buyer, I entered into the property market with a great deal of anxiety and trepidation. Frank at Fit Loans was a 'word of mouth' recommendation, and I felt comfortable with him immediately. Not only was he available and responsive, he took the time to explain information and processes in an accessible way - repeatedly if necessary. I was always confident that he conducted a thorough and individual assessment of my needs as a buyer, and sought the best home loan deal for me. Other brokers I had approached came across as clinical, salesy, process driven and impersonal. One of the best things about Frank is his knowledge and acumen regarding the finance and banking industry. He has exceptional interpersonal skills too. I also suspect he'd make quite a good counsellor!

Chaouen Fan
December 8, 2021

Frank is excellent, he always gave us the right advice. Very responsive and gave a very clear explanation to all our doubts and patiently answered all our questions. Highly recommended.

alekhya pinisetti
December 8, 2021
Frank is very switched on and responsive, which helps immensely during the loan application process. Couldn't be happier!

Justin Shu
December 8, 2021

Frank's service was professional, friendly and high quality from the moment we met. Frank has great attention to detail and took the time to explain the process every step of the way. Highly recommended.

David Mangano
December 8, 2021

i would highly recommend Fit Loans. Frank went above and beyond for us to get our loan sorted. Frank is diligent and responsive. We cant thank Frank enough.

Terri Shannon
December 8, 2020

I had a wonderful experience with Frank.. He was very open and honest and supportive throughout the whole process. His communication was excellent, very professional and he found me a great deal. He is attentive, reliable and was always available to answer any questions or concerns I had. I have friends and family that have also used his services and they’ve all been more than satisfied. Highly recommend.

Sofia Skliros
December 8, 2020

Extremely easy to deal with. Frank made the whole process a breeze. Much much much simpler and also cheaper than what the bank offered. Cant recommend Frank at Fit loans enough.

Alumach Pty Ltd
December 8, 2020

Frank was brilliant to deal with. He was always there when I needed him, made dealing with banks easier and also provided in depth information that allowed us to get the best out of our new home loan. I highly recommend Fit Loans!

Nathan Vellucci
December 8, 2020

Contact Us

Phone : +61 3 9452 6959
Mobile : +61 412 671 545
Postal Address: Suite 126, Shop 1/33 Mackenzie St Melbourne VIC 3000

Fit Loans

3 weeks ago

The prospect of refinancing your home loan can seem daunting, especially when high interest rates and the high cost of living are adding to your financial stress. Don't be discouraged!Refinancing can be a savvy move to reduce interest and potentially shorten the term of your mortgage.Before you embark on this journey, let's clear up some common misconceptions and delve into the costs involved to help empower you to make a well informed decision.So sit back, relax and please enjoy this month’s property and finance update.While the allure of lower interest rates and reduced monthly payments is enticing, refinancing isn't a cost free endeavour.It's crucial to understand the various fees associated with refinancing your home loan. We explain them here.The price tag of refinancing – there’s more than meets the eyeDischarge feesThink of this as your old lender's ‘farewell’ gift. This fee covers the administrative costs of closing your existing loan. Depending on your lender and loan type, it could be a few hundred or even thousands of dollars.Application feesYour new lender wants a piece of the pie too by charging an application fee to process your refinancing request. This fee can vary considerably between lenders. That’s why we research a range of lenders for you to find loan options that are suitable to your circumstances.Valuation feesLenders need to know the current market value of your property, so they'll commission a valuation. This fee can be a few hundred dollars or more depending on the size and complexity of your property.Government feesDepending on your state or territory, you will need to pay registration fees and stamp duty.Lenders' mortgage insurance (LMI)If you're borrowing more than 80% of your property's value, you'll likely need LMI. This insurance protects the lender, not you, if you default on your loan.Other feesRemember potential legal fees, title search fees and other miscellaneous costs that could pop up during the refinancing process.While the upfront costs might seem overwhelming, remember that the potential long term savings by obtaining a lower interest rate or shorter loan term can significantly outweigh these.Our finance team can help you assess the overall financial impact of refinancing and determine if it's the right move for you.Refinancing is often surrounded by myths that can deter homeowners from taking advantage of its benefits. Let's set the record straight by debunking some of these.Myth 1 - Refinancing is an administrative nightmare.The process does involve paperwork and research, but it's not rocket science. With our finance team’s assistance, we can streamline the process and guide you through the maze of paperwork and compare different loan options on your behalf.Myth 2 - Only those with a perfect credit score can refinance. While a good credit score may help you secure a lower interest rate, it's not the only factor that lenders consider. They also look at your income, employment history and debt-to-income ratio. Don't assume you're ineligible just because your credit score isn't perfect.Myth 3 - Refinancing always leads to savings.This isn't always the case. It's crucial to carefully compare your current loan with potential new ones by factoring in all the costs involved. Sometimes, the savings might not be significant enough to justify the hassle and expense of refinancing.Myth 4 - Refinancing is a one-time deal.While there's no limit to how often you can refinance your mortgage, it's crucial to weigh the potential benefits against the costs involved each time. Refinancing does come with expenses, and those can add up. Furthermore, each loan application triggers a credit inquiry, which can temporarily affect your credit score. We'll strategically manage the refinancing process to minimise any potential drawbacks and maximise your chances of securing the most appropriate outcome.Factors to consider when refinancingRefinancing can be a powerful tool for achieving your financial goals, but it's not a one size fits all solution. Consider the following factors before making a decision:Your financial goalsAre you looking to lower your monthly payments, shorten your loan term, or tap into your home's equity?How long do you plan to stay in your home?Refinancing usually makes sense if you plan to stay in your home long enough to recoup the closing costs through your savings.The current interest rate environmentIf you have rolled over from a low interest rate to a much higher one with your current lender, renegotiating with them or refinancing to another lender could be a great way to save money.Loan servicingIf you are unhappy with your current lender's customer service, refinancing provides an opportunity to switch to a lender who better meets your needs.Access to additional lendersRefinancing opens doors to a wider range of lenders and loan products, potentially giving you access to more favourable terms or features not offered by your current lender.Allow us to help youBy using our finance services, we will take the time to thoroughly research your options, compare lenders and crunch the numbers to determine how much your interest payments could be reduced.Our expertise can offer valuable insights and guidance throughout the process that you may find challenging to navigate alone.Remember, refinancing is about achieving your finance goals. So take the time to make an informed and confident decision that sets you up for success.With your best interest always in mind ... See MoreSee Less

Refinancing? Don’t do it on your own!

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.mb-20 li{margin-bottom:20px;} Refinancing? Don’t do it on your own!

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Fit Loans

2 months ago

As your finance specialist, we are committed to providing you with not only the best mortgage solutions but also the knowledge to empower informed financial decisions. Today, we would like to discuss a critical but often overlooked issue affecting property ownership in Australia - the gender property gap.Regardless of your gender, we are sure you’ll enjoy the read.So sit back, relax and please enjoy this month’s property and finance update.What is the gender property gap?At first glance, it may seem like women are doing well in the property market. Overall, women do have a slightly higher rate of property ownership than men. However, when we dig deeper, a different picture emerges.Young women are falling behindAmong Gen Z Australians (those under 30), there is a staggering 24.3% property ownership gap between men and women. This means that significantly more young men own homes than their female counterparts.Investment property gapMen are more likely to own investment properties. This translates into the potential for greater long term wealth accumulation through property. Property values and debtOn average, women tend to own less valuable properties and may carry slightly higher debt levels relative to their assets. This can create a financial disadvantage over time.Why does this gap exist?Several factors contribute to the gender property gap. Here are some of the key ones:The gender pay gapUnfortunately, the gender pay gap persists in Australia. This means, on average, women earn less than men for comparable work. The Workplace Gender Equality Agency reports a national gap of 14%. Lower earnings make it harder to save for a deposit, qualify for a mortgage and afford ongoing housing costsOne of the most notable discrepancies in residential property ownership was actually by income rather than gender. When asked about personal, annual pre-tax income, respondents earning less than $100,000 per annum had a home ownership rate of 61.4% compared to 86.6% of those earning more than $100,000.Risk appetiteSome studies suggest that women may be more risk averse when it comes to large financial decisions such as investing in property. This can be influenced by a multitude of factors including societal expectations and financial education.Financial knowledge gapThere is evidence of a financial literacy gap with men, on average, demonstrating slightly higher knowledge about financial concepts. When navigating the property market, this can impact confidence and decision making.What does this mean for you?The gender property gap highlights that systemic inequalities can create financial hurdles regardless of your hard work and dedication.However, awareness is the first step towards mitigating these challenges.Here's how understanding this gap can empower you:Planning aheadIf you're a young woman aspiring to homeownership, start planning and saving as early as possible. Every dollar saved brings you closer to your goal.Exploring investment strategiesEven if property ownership feels out of reach right now, consider other investment options. Building a diverse portfolio can help create long term wealth.Building financial knowledgeSeek out resources to enhance your financial literacy. Staying subscribed to our industry updates is a good starting point.We're here to support youOur role as your mortgage broker goes beyond finding you a loan. We're committed to being your finance research partners.If you have concerns about how the gender property gap might impact your finance and property goals, please feel free to reach out.Together we can develop strategies to help you achieve your property dreams.As always…With your best interest in mind ... See MoreSee Less

Helping young adults bridge the property gap | Your Finance News

yourfinancenews.com.au

Recent studies, like CoreLogic’s Women and Property report, highlight a stark ownership gap between young Australian men and women. In the Gen Z cohort (those under 30), the disparity is a staggerin...

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Fit Loans

3 months ago

There’s a lot of jargon in the finance industry and we understand it can be hard to keep up to date. Combined with abbreviating these titles no wonder our clients are sometimes confused.We often talk about:• LMI• LVR• PER• ROI• DTI• HEMand the abbreviations go on. This month we would like to focus on your DTI and HEM and the importance of these 2 considerations when applying for a loan or refinancing.DTI is your financial compass in the loan landscape.Debt to Income ratio (DTI) might not be the most thrilling topic, but it's a crucial number to understand if you're planning to borrow money – especially for a major purchase like a home.DTI is essentially a snapshot of your debt burden compared to your income and it's a key factor that lenders use to assess your loan eligibility and potential risk.We would like to explain what it is and the importance of DTI when financing or refinancing a home. We also provide some guidance and comfort when securing that most important next home loan.So sit back, relax and please enjoy this month’s property and finance update. Understanding your Debt to Income ratio (DTI) is more important than ever. It's a financial compass, not just a number, and it directly impacts your ability to borrow money – including taking advantage of refinancing opportunities.With regulatory changes coming in 2024 emphasising DTI, proactively addressing your financial health now is your strategic advantage.What is DTI and why does it matter so much?Your DTI is a snapshot of your debt obligations compared to your income. To calculate:• divide your total monthly debt payments by your gross monthly income (before taxes).The result is a percentage that shows lenders how much of your income is dedicated to servicing existing debt.Example:Monthly debt payments of $3,000 with a gross monthly income of $8,000 results in a DTI of 37.5%($3,000 ÷ $8,000 = 0.375 or 37.5%).Lenders love a low DTI because it indicates you have financial flexibility and a greater capacity to handle additional debt.On the flip side, a high DTI could make lenders hesitate as it might mean you're already thinly stretched.Key debts included in your DTIIt's crucial to know exactly which debts count toward your DTI:MortgagesBoth your existing loans and any new mortgage you apply for.Credit cardsMinimum monthly payments are factored in even if you pay more.Personal loansOutstanding balances and ongoing repayments.Car loansPayments on financed vehicles.HECS-HELP/student loansRepayments on higher education debt.Buy Now, Pay Later (BNPL)Those tempting instalments add up! While lenders already consider DTI, it's about to become even more important. During 2024, Australian regulators are placing a stronger emphasis on DTI for loan approvals. Understanding your DTI now gives you a serious edge.How to take charge of your DTI. Don't let your DTI control you.Here's how to improve it proactively:Debt demolitionPrioritise paying down debt by starting with those high interest culprits such as credit cards. Strategies like the debt snowball and debt avalanche can be highly effective.Income boostExplore ways to increase your earnings through a raise, side hustle or a higher-paying job.Consolidate carefullyCombining debts into a lower interest loan could reduce your monthly payments, but make sure to consider all potential fees.Pause on new debtWhile you're improving your DTI, try to avoid taking on additional credit.Refinancing success - Your DTI is keyThink of refinancing as applying for a fresh mortgage. Lenders will reassess your finances and your DTI plays a major role in these key refinancing benefits:• Demonstration of repayment capacityA strong DTI shows you have room in your budget to manage the new loan, even in a changing interest rate environment.• Better interest ratesA lower DTI often unlocks those coveted lower interest rates and could save you thousands over the life of your mortgage.• Maximise borrowing powerIf your finances have improved since your original mortgage, a healthier DTI may even allow you to borrow more through refinancing – maybe by tapping into equity for renovations, investments or debt consolidation.Additional criteria lenders assess when you apply for a loanYour Debt to Income ratio (DTI) is a big factor in having a loan approved, but it's not the whole story. Lenders take a 360 degree view of your financial life before handing you a stack of cash. Let's dive into the other key ingredients they toss into the decision-making mix.The reputation factorThink of your credit score as your financial report card. It's a number that reflects how responsibly you've handled borrowed money in the past. A stellar credit score shows lenders you're a reliable borrower and makes you more likely to get the green light for loans and potentially score those lovely lower interest rates. On the flip side, a less than ideal score might mean higher interest rates or stricter loan conditions.The proof is in the pay stubsLenders like stability. A steady employment history demonstrates that you have a reliable source of income to meet those loan repayments. If you're self employed, be prepared to provide evidence of your income history, such as tax returns and financial statements.Show me the money (or the assets)Any assets you own, such as a house, savings accounts or investments, can boost your attractiveness as a borrower. Assets act as a form of security for the lender and demonstrate you have resources to fall back on if needed. Plus, having a deposit saved up for a home loan shows you're serious and financially prepared.Key takeawayYour DTI is a dynamic tool for your financial success. By understanding its impact, proactively managing it and approaching both new borrowing and refinancing strategically, you empower yourself to achieve your finance goals – saving money, repaying your home loan faster or accessing equity to build wealth.Remember, we are here to help you understand the jargon and walk you through the process of all your lending decisions. Use our expertise to find the most appropriate finance options for you.As always…With your best interest in mindClick link to read article on what is HEMyourfinancenews.com.au/mec-pf-april-2024-cta-page/ ... See MoreSee Less

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Fit Loans

4 months ago

This month, as your trusted finance team, we would like to address a matter close to many parents' hearts…The prolonged stay of adult children in the family nest. While we adore our family members, there comes a time when the parental nest should feel a bit emptier. Wouldn’t you agree?Perhaps it's time to nudge them out of the cosy confines and into their own place.So, let's dive into why this might be a good idea and how we can help facilitate their departure.So sit back, relax and please enjoy this month’s property and finance update.The current property predicamentIt's no secret that property prices have skyrocketed, making it challenging for young adults to spread their wings and fly the coop. Despite the seemingly stabilising of interest rates, the high cost of renting coupled with the daunting task of saving for a deposit has resulted in a significant trend…Adult children are lingering in the family home well into their 30s and even 40s!According to recent research, the average age of a first home buyer in Australia is now closer to 40 than 20. In fact, Aussies are, on average, 36 years old when they buy their first home. Yes, you read that correctly. It seems the dream of owning a home early in life has shifted further down the timeline.But fear not, there are ways we can help our offspring take flight without jeopardising our own financial future.Parental assistance with cautionBefore we delve into the ways we can assist, let us emphasise one crucial point.As parents, we must prioritise our own financial security.Just as you're instructed to secure your oxygen mask before helping others on a plane, it's imperative to safeguard your own nest egg before aiding your fledglings. Let's explore some avenues of support without sacrificing your retirement plans.Innovative strategies for independenceOne intriguing and popular trend among first home buyers is 'rentvesting'. This innovative approach involves purchasing a property to rent out while continuing to rent elsewhere. It allows young adults to enter the property market without sacrificing their desired lifestyle.The government has also stepped in to support aspiring homeowners. The First Home Guarantee program, for instance, enables low deposit purchases without the need for mortgage insurance, making homeownership more accessible to young adults.If you have a potential first home buyer living with you, the good news is that there are several schemes set up by the Australian government to help them financially through the process.The bad news is that it can be very confusing trying to navigate all the different schemes with their various eligibility criteria!This is where we can help navigate the journey.HOMEOWNERSHIP MAY BE ACHIEVABLE WITH THE RIGHT SUPPORT AND PLANNING.Despite the challenges posed by the current property market, there is reason for optimism. Recent data indicates a growing number of younger Australians are achieving homeownership. This is a reflection of their resilience and determination. As parents, we can play a supportive role in this journey while ensuring our own financial stability.There are positive trends emerging amidst the complexities of the property market. However, remember that each individual's path to homeownership is unique and what works for one may not suit another.As your trusted finance team, we urge you to navigate this journey with caution by prioritising your financial wellbeing while offering support to your adult children.So, as you ponder the prospect of reclaiming your empty nest, let's work together to empower our adult children to spread their wings and soar into homeownership. After all, it's never too early to start building their own financial future.Looking forward to hearing from you.As always…With your best interest in mindyourfinancenews.com.au/mec-pf-march-2024-cta-page-competition ... See MoreSee Less

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Fit Loans

5 months ago

It’s back to school for all states so perhaps we can start to settle into the new year and start planning for the year to come.There are positive expectations for 2024 with pending cash rates looming later in the year, and in turn interest rate drops expected to follow. This may allow us to look forward to reduced mortgage repayments and take back control of our finances, savings and hopefully reduce the mortgage stress many have experienced in the last 12-18 months.Wanting to keep you ahead of the property game we are excited to bring you this month’s topic encouraging you to be mindful of the potential opportunities in the property market this year.So sit back, relax and please enjoy this month’s property and finance update.The latest property reports from November 2023 show:• investor activity was 18% higher compared to a year ago• new owner occupier loan activity rose by 10.1%ANDthere has been a sharp rise in loan approvals over the last months of 2023.WHY IS THIS GOOD TO KNOW?Although no one has a property crystal ball and there are no guarantees in life, especially in the world of property investment, over the years loan approval rates have served as a promising early indicator for the direction our housing markets are heading.Many property researchers are excited that 2024 presents a favourable opportunity for astute investors to enter the market before the general public realises that interest rates have reached their peak and are poised to decline later this year.In addition, and not surprisingly, since interest rates started rising in May 2022, most recent borrowers have been opting for a variable interest rate loan rather than a fixed rate loan suggesting they also believe rates will fall later in the year.NATIONAL OUTLOOKWith no surprise, the growth in owner occupier and investor lending in 2023 was driven by the three states with the largest populations:• New South Wales• Victoria • QueenslandNew South Wales saw the most growth for both owner occupiers and investors.What IS interesting however, is that average new loan sizes hit new record highs in three states: • Queensland• South Australia • Western AustraliaAverage new loan sizeNational $608,448NSW $754,832VIC $602,471QLD $557,510 - record highSA $510,057 - record highWA $497,275 - record highTAS $444,726NT $429,333ACT $598,643As the eastern seaboard average property prices have become increasingly higher than other states, there has been a scurry of eastern state property investors flocking to other more affordable states for their investment choice.The ‘West Australian’ reported in October of last year:‘East coast property raiders have been rushing west, creating a real estate investment gold rush for agents and pricing [local ] mums and dads out of the market.’If you're like many property investors, you're probably wondering what's the right thing to do at present…Should you buy, should you sell or should you just wait?Let’s consider what has happened in the past 10 years, including the pandemic.When the pandemic hit (only four years ago), economists predicted a massive property market crash of up to 30%. Instead what happened?The property market downfall was a blip and most places across Australia rebounded well above any blip we experienced.Warren Buffett once said that it's wise for investors‘to be fearful when others are greedy and to be greedy only when others are fearful.’If you have ever purchased at the top of the property market you would relate to this. Most people start to invest in property when everyone else is doing it due to FOMO (the fear of missing out) and this is usually too late.As the majority of cash rate hikes are now likely in the past, the ongoing robust population growth, coupled with insufficient production of new dwellings, will exert upward pressure on both house prices and rents throughout 2024.2024 is likely to be a year of property price growth, however most likely at a slower, more ‘normal’ rate.Of course, each State is currently at its own stage of the property cycle and within each capital city there are multiple markets with property values still falling in some locations and stagnant in others.‘Only buy something that you'd be perfectly happy to hold if the market were to shut down for 10 years.’WARREN BUFFETThis seems to be true for Australian property. It is very resilient. And it did work for most of us during lockdown.So, perhaps before everyone else decides to consider investing in property this year, you might like to get ahead of the game before FOMO sets in!For some of you who are reading this right now, this year may not be the best possible time to consider buying a property.For others there is a window of opportunity before the market resets and the next cycle begins.Savvy property investors started entering the market last year while many sat on the sidelines because of fast rising interest rates and high property prices.Others will re-enter the market in 2024 as finances and high mortgage repayments settle into more of a norm.When it comes to property investment, NEVER MAKE RASH DECISIONS about purchasing property without thorough consideration, a finance review and seeking advice from experts in the property game.Always:1. Make sure you have a strategic plan in place to build your property portfolio.2. Set up the correct ownership structures keeping the future in mind.3. Create a robust finance strategy with a rainy day buffer to cover unexpected events.As always we are here to guide you through the very first steps of property investment.Firstly, can you borrow for an investment property?Secondly, how much can you borrow?Feel free to reach out to explore your finance options BEFORE you head out for your investment property hunt.Looking forward to hearing from you. ... See MoreSee Less

MEC PF February 2024 CTA Page

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Property investment has long been one of the more successful strategies to achieving financial independence, and yet statistics show only about 20% of Australians do it. Statistics available from the ...

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Fit Loans exists to provide a fresh, honest and customer focused approach to lending.

About Us

Frank Zinghini Managing Director

Frank Zinghini Managing Director

Our Services

Home loans

Refinancing

Business lending

Investment loans

Construction loans

Commercial loans

Motor vehicle finance

Asset finance

Debt consolidation

Self managed super funds

Our Services

Home loans Refinancing Asset finance Business lending Investment loans Commercial loans Debt consolidation Construction loans Motor vehicle finance Self managed super funds

Why Choose Us?

Education Centre

Investment Property Checklist

Time For a Second Opinion

Is It The Right Time To Fix My Interest Rate

I’ll Be Renting For The Rest of My Life

Testimonials

Contact Us

RBA Alert & Special Offers

Frank Zinghini
Managing Director

Frank Zinghini
Managing Director

Home loans
Refinancing
Asset finance
Business lending
Investment loans
Commercial loans
Debt consolidation
Construction loans
Motor vehicle finance
Self managed super funds