Variable Loans
Almost all the lenders provide two types of variable loans: Basic and Standard; standard being the product with more features such as extra repayment, offset and redraw facilities and split loan options.
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Our Services
Lending support for homes, investments, vehicles, businesses, and personal finance.
Explore the core finance services offered by IKE Finance and choose the pathway that best matches your goals.
First Home Buyers
Buying your first home doesn’t need to be daunting. At Ike Finance, we can guide you through the process with ease, helping you move in sooner, by taking the stress out of the process. We offer several mortgages to suit your needs.
- Get to know the terminology and calculations involved
- Learn if you qualify for the First Homeowners Grant
- Know how much you can borrow with what deposit
- Buying at auction, engaging brokers and much more
Your Option As
First Home Buyer
Fixed Loans
If you need stability and to manage your loan repayment without sudden changes in rates, then Fixed Interest Rate is your option.
Call Us NowConstruction Loans
Do you want to design your own home and have a licensed builder to build it for you? A Construction Loan is your answer.
Call Us NowSplit Loans
A Split Loan allows you make part of your loan variable and part fixed, which means you can have both variable and fixed interest rates at the same time.
Call Us NowVariable Loan +Advantages +Disadvantages +Fixed Rate Home Loan +Construction Loans +Split Home Loans +
Take the following steps!
STEP 1
Review Your Existing Home Loan Every 2-Years:
If you’ve decided to refinance an existing property, you’ll need to take a look at the terms of your current loan including interest rate, maturity rate, and type of loan, as well as the equity you have in your property. A home loan health check will help identify if your current home loan is still working for you.
STEP 2
Pre-Approval
After you determine the amount of equity you have in your property, we’ll introduce you to the wide range of products that we have available. After a preliminary meeting, we’ll be able to provide pre-approval and help you move ahead with your plans.
STEP 3
Save on your Refinance
You have options with Ike Finance Team. We can help if you are looking to save money on current interest payments, consolidate personal debt, or upgrade a room in your home. We’re here to advise you and help make the refinancing process smooth.
Refinancer
The mortgage that helped you purchase your first home may not be the best option five, ten or twenty years down the track. As your lifestyle and financial circumstances change, it may be necessary to review your home loan to ensure you’re getting the best deal.
Refinancing involves switching your home loan for a more suitable product that will suit your changing needs or take advantage of a better rate and lower fees.
Find a home loan that suits youGet a better rate and lower feesSave thousands over the life of your loanPay off your mortgage sooner
Investor Home Loans
- Receive rental income right away
- Real estate can be a stable investment
- Expenses can be used to offset tax on rental income
- Property investment can yield high long-term profits
With a growing population comes development and consolidation, making investing in real estate a potentially lucrative venture. The right investment can generate income and provide significant profit when property value increases. In every case, Ike Finance has access to about 30 Panel Lenders with products for you.
2ND Home Buyer
If you have built up equity in your current home and are considering becoming a second home buyer, you have plenty of loan options to make a smooth transition.
- Don’t require a large house and looking to downsize
- Need more space and looking to upsize
- Considering a new build
As a second home buyer, what home loans are right for me?
This is where your experience in previously purchasing a home will come in handy. You may have noticed variable rates fluctuate over time, plus the opportunities that both variable and fixed interest rates provide.
Types of Investor Home Loan Options
Flexibility is important when it comes to investment loans. We have several variable rate and fixed rate mortgage options in our investor home loan portfolio.
- Principal & Interest or Interest Only repayment options available
- Alternative doc and newly self-employed loan options
- 1,2,3 & 5 Year Fixed Rate Loans
- Variable Rate Principal & Interest
- Structure your loan with up to four splits
- Loan terms up to 30 years
Business LoansCar LoansUnsecured Personal Loans
Business Loans – Solutions for Small Business Owners
Pay Suppliers
Purchase stock and pay any business expense including ATO and repay over several months.
Fund Customer Invoices
Accelerate cashflow and access funds tied up in slow paying customer invoices.
Business Overdraft
Flexible access to working capital to manage cash flow. Draw funds whenever you need them.
Fast, Simple Application Process
Same-day approval for your business.
Same-day Approval
Approvals and funding available within 24 hours.
Flexible Repayments
Select the repayment amount and term that suits your business cashflow.
Calculators, planners and tools to help you better manage your money.
First Time Home Loan
Guidance for first home buyers who want the loan process explained clearly, from deposit planning to approval and settlement.
Read MoreRefinance
Review your current loan, compare options, and look for a structure that better fits your rate, repayments, or cash-flow goals.
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Loan support for investors who need a practical lending strategy around property goals, borrowing capacity, and future flexibility.
Read MoreCar Loan
Vehicle finance options for personal or business use, with a simple comparison process and straightforward next steps.
Read MoreBusiness Loan
Funding pathways for business purchases, equipment, working capital, and growth plans that need lender-ready preparation.
Read MoreUnsecured Personal Loan
Personal lending support for eligible borrowers who need finance without property security.
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