Our services
HOME LOANS
Whether you are a first home buyer or a seasoned investor with an investment property portfolio, we can assist you with the right advice and the best home loan package based on your personal circumstances and future aspirations. We have access to an extensive range of home loan lenders, big and small. We will source the best home loan/investment loan package to meet your requirements. Talk to us today!
BUSINESS AND CORPORATE FINANCE
By providing you with a finance solution we can help your business reach its full potential. We offer flexible business finance solutions that can grow with you over time and keep up with the changes in the meantime.
Our finance solution covers:- Business Loans- Working Capital Funding (ie. Overdrafts, Debtor Finance, Insurance Premium Funding)- Trade Finance- Equipment/Asset Finance- Property Finance- Franchise Funding- Transaction Banking and Deposits
CAR LOANS/ASSET FINANCE
When considering buying plant and equipment, motor vehicles or any other business asset the main issue is finding the best financing solution to match your business needs.
Ariya Finance & Business Consultants can assist you with financing just about any type of equipment in many different circumstances:- Commercial equipment finance- Construction equipment finance- Motor vehicle finance
DEBTOR/INVOICE FINANCE
Debtor Finance/Invoice Finance can offer you an alternative solution by providing your business with cash, by allowing you to raise finance from the unpaid invoices owed to you. This immediate flow of cash against the value of your outstanding invoices can help improve your immediate business prospects and allow it to grow.
Several factors influence on suitability of debtor finance:- Annual Turnover (Current and Forecast)- Trade Terms (Generally financiers accept invoices with up to 90 days trade terms)- Contractual nature of your terms of trading- Type of industry you are in- The spread of your customer base (Concentrations).
Several factors influence on suitability of debtor finance:- Annual Turnover (Current and Forecast)- Trade Terms (Generally financiers accept invoices with up to 90 days trade terms)- Contractual nature of your terms of trading- Type of industry you are in- The spread of your customer base (Concentrations).
PROPERTY FINANCE - DEVELOPMENTS & INVESTMENTS
At Ariya Finance, we recognise that each one of our clients property finance is different. Our aim is simple, to provide you with the most effective financial solution for your property development and investment requirements. This means obtaining the best price on the best terms whilst allowing you to concentrate on something just as important, your own business. We are confident that we can deliver the best solution for your needs whether you are an investor, developer or owner-occupied business.Due to our large spread of lenders in commercial property finance, our parameters are quite broad. Below is our general profile of the lending criteria.
Loan Type:- Fixed interest only- Variable interest only - Principal and interest at variable or fixed rate Asset Class:- Office- Industrial- Retail- Shopping Centres- Property Development (Residential, Commercial)Specialised (ie. Accommodation/Motel, Clubs & Pubs, Aged Care, Child Care, Rural/Agri, Service Stations) Location: - Most locations in Australia (including regional and rural) Loan Size: $150,000 to $100.0m Term: From 12 months to 25 years LVR: Up to 80% depending on circumstances
Loan Type:- Fixed interest only- Variable interest only - Principal and interest at variable or fixed rate Asset Class:- Office- Industrial- Retail- Shopping Centres- Property Development (Residential, Commercial)Specialised (ie. Accommodation/Motel, Clubs & Pubs, Aged Care, Child Care, Rural/Agri, Service Stations) Location: - Most locations in Australia (including regional and rural) Loan Size: $150,000 to $100.0m Term: From 12 months to 25 years LVR: Up to 80% depending on circumstances
LOAN REVIEWS & RESTRUCTURES
When was the last time you reviewed your financial arrangements? Your current facility and security structure may not be the best solution/structure for you. As experts, we can review your current financial arrangements in order to obtain the best possible finance package for you. Our aim is to reduce your interest rates and fees, simplify financial arrangements (less paperwork) and free up additional securities/equity. Although the finance cost is a key criteria of our review, we emphasis heavily on your long term objectives, relationships and service standards.
Re-financing will involve discussions with your current debt provider(s) and other financiers, market analysis of the options available within your industry, and structuring the right covenant package and detailed terms.
If appropriate, ‘competitive tension’ can be created via a bidding process between financiers and alternate capital sources to obtain improved covenants, interest rates and charges, in addition to any new acquisition facilities or bonding capacity that may be required. Increased facility size and flexibility can also be negotiated depending upon funding requirements.We will work with you to renegotiate with your existing Relationship Bankers to obtain the best banking package. However if necessary we can introduce a new Banking Partner based on your current and future requirements. We have strong relationships with a large number of big and smaller banks. We are confident that we will be able to find the best possible solution for you. We will not stop there as we continue to assist you in managing your ongoing financial arrangements with Banks including ongoing reporting, covenant testing and annual reviews. We understand that your time is money and you need to focus on your business. Let us be your in-house bankers and we’ll get the job done
Re-financing will involve discussions with your current debt provider(s) and other financiers, market analysis of the options available within your industry, and structuring the right covenant package and detailed terms.
If appropriate, ‘competitive tension’ can be created via a bidding process between financiers and alternate capital sources to obtain improved covenants, interest rates and charges, in addition to any new acquisition facilities or bonding capacity that may be required. Increased facility size and flexibility can also be negotiated depending upon funding requirements.We will work with you to renegotiate with your existing Relationship Bankers to obtain the best banking package. However if necessary we can introduce a new Banking Partner based on your current and future requirements. We have strong relationships with a large number of big and smaller banks. We are confident that we will be able to find the best possible solution for you. We will not stop there as we continue to assist you in managing your ongoing financial arrangements with Banks including ongoing reporting, covenant testing and annual reviews. We understand that your time is money and you need to focus on your business. Let us be your in-house bankers and we’ll get the job done
Useful Resources
Buying your First Home
Six steps to turn your first-home dream into reality
The home buying process broken into clear, simple steps to help you understand what to expect from your first enquiry to settlement -
Visit: https://moneysmart.gov.au/home-loans/buying-a-house
Government Grants & Schemes
Home Guarantee Scheme (First Home Guarantee, Family Home Guarantee, Regional First Home Buyer Guarantee)
Official information on eligibility, property price caps, and how the schemes work -
Visit: https://www.nhfic.gov.au
First Home Owner Grant (Queensland)
Details on the Queensland First Home Owner Grant, eligibility criteria, and how to apply -
Visit: https://qro.qld.gov.au/property-concessions-grants/first-home-grant/
Stamp Duty Concessions (Queensland)
Information on transfer duty concessions and eligibility for first home buyers -
Visit: https://qro.qld.gov.au/duties/transfer-duty/concessions/homes/first-home/
Calculators
Mortgage Repayment Calculator
Estimate your loan repayments and explore different interest rate scenarios -
Visit: https://moneysmart.gov.au/home-loans/mortgage-calculator
Stamp Duty (Transfer Duty) Estimator
Calculate estimated transfer duty payable on a property purchase in Queensland -
Visit: https://qro.qld.gov.au/duties/transfer-duty/calculate/transfer-duty-estimator/
Additional Government Resources
First Home Saver Super Scheme (FHSS)
Learn how you can use voluntary super contributions to help purchase your first home -
Visit: https://www.ato.gov.au/individuals-and-families/super-for-individuals-and-families/super/withdrawing-and-using-your-super/early-access-to-super/first-home-super-saver-scheme
Buying Property in Queensland Official guidance on contracts, settlement, legal requirements, and buyer responsibilities - Visit: https://www.qld.gov.au/housing/buying-owning-home
Buying Property in Queensland Official guidance on contracts, settlement, legal requirements, and buyer responsibilities - Visit: https://www.qld.gov.au/housing/buying-owning-home