Royal Guardian Loans

To help us secure the best loan for your needs, you can use our Quick Loan Enquiry facility to check the loan features you require, then simply click the submit button to send the completed form to one of our Lending Managers, who will contact you shortly with the results of their search for a 'home loan that fits' for you.

Listed below are some key features of the loan products available through Royal Guardian

Basic Loan
A Basic Loan suits those who don't need or want to pay for all the extra facilities available on other loans. The Basic Loan has a lower interest rate than most other loans and is perfect for those who are quite happy to pay off the loan and forget about it while they get on with other things in their life. This loan can be used for both investment and owner occupied properties.

Standard Loan
Standard Loans are standard variable loans which allow repayments to be made weekly, fortnightly or monthly to help you pay off your loan sooner. Some Standard Loans also have additional features such as a deposit card that can be used at all Australia Post outlets (Giropost), as well as repayments via salary crediting, direct debiting or internet bank transfer.

Line of Credit Loans
Line of Credit Loans offer the flexibility and convenience of an 'all in one' account. You can use this account to pay bills, fund further investments or any other worthwhile financial purpose. Line of Credit Loans mean you don't have to apply for additional loans if you wish to access additional funds. You can use the 'Line of Credit Loan' to fund your expenses up to your pre-approved limit.

Low Doc Loans
Low Doc loans are tailored specifically for the Self-employed or those who do not have up to date financial statements. Low Doc Loans have many of the same features as a variable loan with free re-draw, internet and phone banking. You may even choose to increase your interest rate and not have to pay an upfront mortgage insurance premium.

Fresh Start
The Fresh Start Loans have been designed to help you get back on your feet financially, even if you've had a poor repayment and default history.The Fresh Start Loans can be used for investment purposes or owner occupied purchases.

95% Home Loan
The 95% Home Loan is a loan that suits people who have a small deposit to purchase an owner occupied dwelling. The 95% Home Loan is perfect for those who have been renting and using all their disposable income. It can be used for owner occupied dwellings and construction. Note: This product allows you to borrow 95% of the property value to cover 95% of the purchase price and the premium for the compulsory Lenders Mortgage Insurance.

Personal Loans
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A Personal Loan is a hassle-free and quick way to borrow money for almost any worthwhile purpose. It can give you the money you want when you want it, and the interest rate will not be as expensive as other sources of money such as credit cards. Personal loans usually range from $1,000 to $50,000 without security. If you offer acceptable security the amount can be up to $100,000. As a general rule, these loans are repaid over a period between one and seven years.

Expenses for which Personal Loans are especially suitable:
Home renovations, Motor vehicles, Caravans, Holidays & travel, Wedding expenses, Home furnishing, Major appliances, Education expenses, Debt consolidation, Medical & hospital expenses.

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