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 - Fit Loan

Frank Zinghini
Managing Director


Finance Brokers Association of Australia

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 - Fit Loan

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


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.




Testimonials


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“As a single mother, purchasing a property on my own was very daunting. Frank was fantastic throughout the entire process. He was very professional but also very understanding and compassionate about my situation.

His knowledge was amazing and he found the right product that suited my needs and personal circumstances.

What I appreciated most about Frank was he continuously kept in contact throughout the entire process. I was never left wondering what was happening. This was really reassuring.” – Angela

Angela Finance April 20, 2015

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    RBA Alert & Special Offers

    2 months ago

    Fit Loans
    If you have been a home owner or property investor in only the past 11 years, you are about to experience a new journey of property ownership. Our longer term mortgage holders are well aware of the interest rate roller coaster we are about to ride. However, for many of our clients, this month is possibly the first interest rate rise they have ever experienced. The last time the cash rate (and in alignment, interest rates) increased was in November 2010. That’s over a decade ago! Most property owners will not see this as good news because of their increased mortgage repayments. However, the upside of rising interest rates indicates our economy is performing well, and the use of monetary policy will ensure this growth is sustainable. The reality is we are still living in a dream interest rate environment and have been for a very long time. Ask your parents what interest rate they were paying in the late 1980s when they purchased their first home. You may be stunned to hear it was as high as 17%! Rates were always going to go up – it was just a matter of time. And now it’s here. We have been receiving calls from worried clients about the recent cash rate rise this month, and consequently, the increases in interest rates and repayments on their property loans.Firstly – what is the difference between the CASH rate and interest rate?To put it very simply, the cash rate is the market interest rate for overnight loans between financial institutions as determined by the Reserve Bank of Australia. It is generally referred to as the (near) risk free rate for financial institutions. However your loan interest rate is determined by your financial institution's cost of borrowing (including deposits and other sources) plus a margin for risk. Their cost of borrowing is influenced by the cash rate as they require a return over and above the risk-free rate. Therefore, when the risk-free rate changes, it is likely that the interest rate on your loans will also change. As a result, the cash rate and other interest rates have moved in broadly similar ways since at least the early 1990s.What does an interest rate rise mean for you and your loan repayments?If your loan is fixed – nothing! Except that you need to start paying attention to where we expect interest rates to go and start planning for when your fixed interest period ends. It is extremely likely your repayments will increase when moving into a variable rate. If you have a variable interest rate, then almost certainly your monthly repayments will increase as of this month. Predictions about cash rates rises:There are many opinions about how fast and how high rates will increase. There is simply too much to take in. One thing that’s fairly likely is that rates will continue to rise this year, and no doubt into 2023 and potentially 2024. As we do not have an interest rate crystal ball, we do need to advise that NOW is the time to prepare for those rises. Start looking at how you can save your future monthly commitment now by cutting down on those unnecessary items as soon as you can. The next few increases should be manageable for most, but not too far into the future you will need to make some serious decisions about your spending habits. Especially those with larger mortgages. And you were thinking of fixing???Well for those who missed our months of warnings and encouragement to fix, you may have missed the boat. Fixed interest rates have been creeping up over the last 6-9 months and those who were quick off the mark 12 months ago have locked in at 2% or under. With most majors, fixed rates from 1 to 5 years are now approaching 4% to 5% depending upon the period. With many variable rates still in the low 2% range, interest rates would need to increase by a reasonable margin before you would benefit from locking in your interest rate now.Actions for you…Now more than ever you need to look at your spending habits and start tightening them – cut costs where you can.Plan for the inevitable rises ahead of time, perhaps even increase your mortgage repayments now and get ahead on your loan.Remember, when we arranged your finance, the lender already included in your serviceability at least a 2.5% rate increase (called your interest rate buffer). Therefore, it is likely to assume that you can manage total increases of up to 2.5% or they would not have allowed you to borrow. If you are concerned, then we encourage you to book a call with us to work on a plan together. Stay focused, plan ahead and remember – we are always here to help. With your best interest always in mind...Fit Loans ... See MoreSee Less
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