Products

• Residential

• Commercial

• Deposit Bonds

• Car Loans

---

Residential

AMS has a variety of loans to not only meet the needs of traditional borrowers, but clients who fit ‘outside the square’.

Our Range of Loans:

Discount Variable Home Loan
The Award Discount Variable Home Loan is designed to give you full flexibility and value. It is one of the most popular mortgages around, typically offering you maximum flexibility and great features, including the option to fix or split your loan, make additional repayments when you can afford to, and redraw when you need to – always accommodating changes in your circumstances

Fixed Rate Home Loan
Award’s Fixed Rate Home Loans protect you against interest rate increases for an agreed time, so you have the peace of mind of knowing what your repayments will be.

Investment Home Loan
Investing in property can be a great way to build wealth. It’s attractive for several reasons including rental income, capital growth and tax effectiveness. Our lending consultants have years of experience in writing Investment Loans, and our highly competitive rates mean you are in the best position to make money on your investment.

Lo Doc Home Loan
Award’s Lo Doc Home Loan is designed to help you obtain the finance you need with a self-certification of your income, and without the usual hassles of financial statements or tax returns

First Home Owner Home Loan
Buying your first home is exciting, but it can also be a little daunting. At Award, we’re here to make it as easy for you as possible

---

Commercial

If you are refinancing an existing loan or considering purchasing a commercial property, shop, factory or other industrial business, make sure you contact the Award Mortgage Solutions Commercial Loans specialist.

Commercial finance for construction properties is also available.

The benefits of an Award Commercial loan

• Personalized services from dedicated relationship manager with years of experience.
• The approval process is similar to residential investment loans.
• Very competitive interest rates.
• We have removed many barriers to doing commercial mortgages.
• Partially secured commercial property and supported with residential property

---

Deposit Bonds

Have you found the property you want to purchase but your cash is tied up in your present home or other assets? Although you may have the 10% deposit required to secure your purchase, it may be in the form of shares you have to sell, a term deposit which has not matured yet or you may want to utilize equity from existing property or other investments.

If you find yourself in one of the above situations, then a deposit bond may be an alternative for you. A Deposit Bond is a bond or guarantee which acts as a substitute for a cash deposit on the purchase of a property.

Advantages of the buyers

Like many property owners today, most of your cash is probably tied up in your present home. Trying to find money for the deposit required to enter into a contract with another property can mean either a short-term bank loan or borrowing from a finance company at high interest rates. Regardless of where you obtain the finance, the interest charge, establishment fee and other upfront costs connected with the loan can be expensive and time consuming to arrange.

A Deposit Bond is often less expensive and is usually approved and issued within 24 hours of your application, thus enabling you to quickly enter into a contract on your new property.

Deposit Bonds can be particularly useful at auctions. It is often difficult to organise your cash deposit before an auction sale, especially when you are not sure whether your bid will be successful or not. The Bond amount is fixed but not the property details so you can attend a number of auctions. You simply complete the seller and property details if you are the successful bidder. If the completion of a property is months or even years away, the Deposit Bond ensures the purchaser secures the property without the outlay of a 10% cash deposit until the property is ready to settle

---

Car Loans

Our product provides 100% finance for car purchase for personal use. We could also provide finance for purchase at private sales and auctions.

The Product Features are as follows:

• Loan amount between $10,000 to $75,000
• 3 - 5 years loan term
• Fixed interest rate
• Car is used as security

For more information, please call 02 9268 0122