Homepage - Breezy Loan

WE ONLY NEED

1. 70% LVR
2. Equity in real estate to use as security
3. A Business Purpose
4. A Good Exit Strategy

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HOW IT WORKS

Step 1

You need to complete our online application form. Once you do that, it will directly go on to the computer screen of our lending partner’s credit assessment team. After looking into that, our partner team will inform you through the given Email about the rates. Moreover, they will ask about: Mortgage Statements (Latest 3 Months), Photo ID (which shows your home address), Security Property (Documents)

Step 2

After that, our lending partner team will conduct a basic loan assessment for you. As a result, they will send you a Conditional Approval. It includes: Costs of Loan, Applicable conditions, Also attached to the Conditional Offer is a 1 page Loan Balance Request Form. Any institution (bank or a private lender), who holds the first mortgage over your property needs to complete it. They will directly FAX lending team back. (This form does not apply to the properties with no first mortgage).

Step 3

After going through that Conditional Offer, if you agree and accept it, you have to email or FAX it back to our lending partner. An acceptance fee of $495* is applicable and you need to pay that. (*The fee covers searches of the lending company and the cost of assessing the property value). You can talk to them to know about the payment process. This fee may vary depending on the number of security properties being assessed.

Step 4

After receiving the acceptance fee and the signed offer by email or FAX, the lending company will organize a Market Appraisal with the help of a local real estate agent. This process will take only some hours not so many days. After doing all this (generally the same day as the signed offer is received by fax or email), and everything is on the marks, the lending company will ask their lawyers to prepare loan contracts for you. This process usually takes 3 hours on a normal business day. Later on, they will email that loan contracts directly to your lawyers.

Step 5

Just you need to sign those loan contracts in the presence of your lawyer. It is a good thing for you as well. You will know, what papers you are signing. You will complete your *identity verification as well. Just you need to sign those loan contracts in the presence of your lawyer. It is a good thing for you as well. You will know, what papers you are signing. You will complete your *identity verification as well.

Rates & Costs

2ND Mortgage

Interest Rate
Amount	$20K- $5M
Loan Term	Up to 12 Months (Maybe More*)
A Principal & Interest loan has much higher monthly payments which puts pressure on your cashflow. However, with Second Mortgage Loan, you simply pay the interest each month which makes the monthly committment a lot less. At the end of the 12 month term, you can pay the 2nd mortgage loan out (often through the sale of an asset, or refinance). OR you can extend the loan with no additional fees. You simply continue to pay the interest each month and pay out whenever you choose. As it is a business loan, all interest and costs are fully tax deductible.

Short Term Business Loan (Caveat Loan)

Interest Rate
Amount	$20K – $5M
Loan Term	Up to 6 Months
The interest rate that the borrower will end up paying in the short-term funding for a business is lower than the other loan options. The interest rate for this type of fund varies according to the lenders and time. That is why it is significant to ensure you know how many months to apply the loan for and what the required amount will be. HomeSec provides interest rates depending on the business size, financial history, and total time it has been operating in the industry.

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Frequently Asked Questions

Question 1

Breezy Loans is a lender?

Brezy Loans is a Credit Representative Number 514197 under ACL 389610. We are in direct partnership with multiple Australian Lenders if the borrower is not meeting with our criteria, we are capable of arranging another suitable lender for him. under ACL 389610. We are in direct partnership with multiple Australian Lenders if the borrower is not meeting with our criteria, we are capable of arranging another suitable lender for him.

Question 2

How much can I borrow as 2ND Mortgage and Short Term Personal Loan?

For the 2ND Mortgage, you can borrow $20K- $5M and for the Short Term Business Loan, the amount is also same.

Question 3

What about the loan tenure?

For 2ND Mortgage, it is 12 Months (maybe more, depends on the lender). In the case of Short Term Business loan, you can borrow for 6 months

Question 4

How much time do you take for settlement?

Once you submit all the documents, the lending company usually takes 24 working hours.

Question 5

What is repayment cycle?

Our lending partners follow a simple monthly repayment cycle for 2ND mortgage loans. For Short Term Business Loans (Bridging or Caveat loans), you can consult with the lender.

Question 6

Are valuation required to get a loan?

No.

Question 7

Are Tax Returns required to get a loan?

No.

Question 8

What are the LVR limits?

75% on residential and 70% on commercial.

Question 9

Do you lend on land only?

Once you submit all the documents, the lending company usually takes 24 working hours.

Question 10

What if i have a poor credit history?

Our lending partners are okay with that. They won’t look into it.

Question 11

What about arrears and tax debt?

Our lending partners are okay with both of them.

Question 12

What states do you fund?

Our lending partners fund all around Australia. *Some restrictions may apply in NSW & ACT.

No Credit Check, No Financials!!

NEED SERIOUS BUSINESS FUNDING BY TOMORROW?

✔Short Term Business Loan

✔Caveat Loans

✔Bridging Loans

✔+ 1st and 2nd Mortgages