Moat Loans

Why Moat Loans

The reason we decided to provide loans as a service to our valued clients is that we would too often visit our clients only to find out that their loan wasn’t set up to optimise their required objectives. This could’ve been that the loan structure wasn’t as tax effective as it could’ve been, was too inflexible, the rate too high or clients had locked into a fixed rate at the wrong time of the rate cycle.

At Moat Loans, we are not only mortgage brokers but loan advisors. We pride ourselves on getting to really know our clients. We are not here to simply provide you with a loan. Only from a detailed understanding of our client’s current situation and future goals can we deliver a loan product, structure and/or features to ensure it meets our clients’ needs now and into the future. This doesn’t necessarily mean that our clients will stay in the same loan over the long term as circumstances may change and/or a better product or rate may become available. In this instance, we will be able to help facilitate this process ensuring the loan remains committed to your objectives and what you are trying to achieve.

We have many lenders on our panel to choose from and we review a range of loan products, negotiating with panel lenders on your behalf and seeing the loan application process right through to settlement, saving you time and money. We are here to make the process as simple and easy as possible. We are remunerated by the lenders and don’t charge borrowers for the loans service we provide. We do the hard work for you so let our mortgage brokers guide you in the right direction and save you the time.

Home Loans

Whether it is your first home or your next home we can help navigate the various loan products and features to suit your needs and objectives. For first home owners, we can help with the first home owners grant and other government concessions. We can help determine an amount to borrow, the repayments and go through the numerous types of loans and features to find a loan and structure to suit your needs. We also look to match your loan to the banking arrangements that you are most comfortable with.

Investment Loans

If you’ve bought property before, chances are you’ll have some understanding of the lending environment. However, loan products change frequently, as do lender terms and conditions, so working with a mortgage broker can help even the most seasoned property buyer secure a competitive and tailored loan product. When it comes to investing in property it is important to ensure your loan is structured in a way to optimise your tax benefits considering your future objectives.

Commercial Loans

Commercial finance is an umbrella term for different kinds of business loans. They’re designed to help manage your capital and cash flow. When it comes to the commercial sector there is a wide range of products available. We can help identify the most appropriate financing structures for you, based on your type of business and specific needs. This can range from purchasing a business to buying plant and/or equipment.

With dozens of different lenders in the market, we are in a strong position to compare and find the most competitive commercial and asset finance products. When necessary, we can assess the flexibility to use multiple lending facilities to suit different business purposes. For example, a business may need a chattel mortgage for its plant and equipment, but a finance lease for other assets.  By using us you have all the available lending options at your fingertips.

Who is Moat Loans

Our loans service is provided by Craig Parker of ‘Moat Loans’. Moat Loans is a trading name for Craig Parker ABN 94680783453 and is a separate service to ‘Moat Capital’ which provides Financial Planning services. Craig Parker is a credit representative 399278 of BLSSA Pty Ltd ACN 117 651 760 (Australian Credit Licence 391237) and a member of the FAST group. Craig has a Certificate IV in Financial Services (Mortgage broking) and is a member of the Finance Brokers Association of Australia (FBAA).

Speak to us about your loan requirements?