Master Key Finance is a Sydney based Mortgage and Finance Broker providing finance advice for Residential and Commercial property loans as well as Business, SMSF and Asset Finance. Master Key Finance offer a meticulous focus, end-to-end customer service and seek to fully understand your requirements and drivers before considering solutions.
With over 10 years at Macquarie Bank across the Business Banking and Corporate Asset Finance divisions, director Marko Kraljevic has expertise managing various portfolios, tailoring finance solutions for businesses as well as personal home loans and investments. Combining a genuine care for their clients, Master Key Finance will ensure the best solution for all your finance needs.
The variable rate loan offers more features and flexibility than the basic fixed rate loan, so the rate is usually slightly higher. Fixed rate loans are set at a fixed rate for a specified period – usually one to five years. This gives you the advantage of knowing how much your repayments will be, allowing you to organise your finances without the risk of rising interest rates. However, this advantage is offset by the possibility of not benefiting from a drop in rates.
Investment loans are structured in a specific way to allow you to make the most of your assets and finances. We can work with your financial planner and accountant to ensure your loan is set up to meet your specific needs, and we have access to competitive loan options that can help you maximise your investment returns.
Just starting out and not sure what kind of loan you need? No worries! We are here to help. As a first home buyer, you can obtain finance from a financial institution (a loan) either to purchase or secure against the property, with our assistance. Features of a mortgage such as the size of the loan, maturity of the loan, interest rate, method of paying off the loan and other characteristics can vary considerably. It’s always best to speak with a professional mortgage broker to discuss your options. We can also help you determine your eligibility and apply for the First Home Owner’s Grant.
A bridging loan may be necessary to cover the financial gap when buying one property before your existing one is sold. This finance is secured against the existing property (utilising equity) and the new property being purchased. Usually, bridging loans are short term (normally 6 months) to allow for the sale of the original property and more expensive than other types of loans. There are alternative ways to finance a change from one home to another, so please talk with us to discuss your options.
Construction loans are specialized loans that are designed to help finance the construction of a new building or significant renovations to an existing one. They offer borrowers flexibility and convenience by allowing them to access funds in stages as the construction progresses, and may have lower interest rates than traditional loans. With careful planning and documentation, construction loans can be a great option for those looking to build their dream home or make major improvements to their property.
Commercial property and business lending policies and interest rates are rarely found on lender’s websites. Unlike residential home loans, the pricing of a commercial loan can be negotiated based on your background in business and the security to be offered. If you need help to refinance or purchase commercial property, just contact us today.
SMSFs offer greater control and flexibility over the investment options and asset allocation, compared to other types of superannuation funds. However, they also require a higher level of responsibility and expertise in managing the fund's investments and complying with regulatory requirements. SMSFs can invest in a range of assets, including property, shares, managed funds, and cash - It can be a powerful tool for individuals and families who want greater control over their superannuation investments.
Need finance for another large purchase besides your home? You can also ask us to access competitive finance options for private cars and recreational vehicles, commercial vehicles, plant and equipment for your business and other kinds of small business loans for a variety of purposes. These finance options may include personal loans, car loans, a variety of leases, commercial leasing options, chattel mortgages and more.
The major benefit of using a broker to finance other large purchases besides property is obtaining finance that is tailored to fit your current financial circumstances and needs. With depreciating assets, the right finance can also potentially save you money on interest and fees, or potentially help you maximise your tax benefits.
AND MORE – Not sure what kind of loan you need for your current financial circumstances? That’s our job. We deliver tailored finance solutions chosen from a panel of leading lenders, and give you peace of mind that your loan is working for you. Contact us today to find out all the ways we can help you.
