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Home Loans

Finding the right home loan can be difficult if you’re navigating the options by yourself, there are  lots of home loan options and products available, but working with AOK Financial means you have a personal shopper who narrows down the options that will suit your needs and lifestyle, we have fixed rates from 1.89% and variable rates from 2.19% currently the lowest rates in history in Australia!

Banks and lenders modify their credit policies on a monthly and sometimes weekly basis, so the home loan interest rate and product features are just the tip of the iceberg when it comes to selecting the right home loan.

First Home Buyers

It’s the year for First Home buyers with the property market stabilising. Great low interest rates and government incentives in favour for first home buyers means it’s a great time to enter the property market! Yes, buying your first home can be scary. But it doesn’t have to be a complicated process. Rest assured, we have assisted many clients just like you! Do you have a lot of questions? Great! At AOK there are no questions left without answers, we want you to be comfortable and understand the whole process.

We’ll work with you through all the stages of buying your first home or investment property. From planning and saving for a deposit, to finding the best home loan for you, property research to the final stages of settlement.

Refinance existing home loan

Whether driven by a change in your situation or a change to a lower interest rate or your old home loan is outdated or you may be considering refinancing, we are able to assist you. Refinancing your existing home loan could be one of the most important financial decisions you make. Refinancing your home loan can reduce your monthly repayment commitments, which can improve your cash flow. Other options you may be looking to improve could include consolidating your other debts or to obtaining a better interest rate. We will work with you to achieve a better home loan outcome for your needs.

Investment loans

If you have a vision to build wealth through property investment, we will help you on your journey. Whether you are considering your first investment property or your second or third, we will help you find the right Investment loan.

Personal Loans

We can help you find personal loans from between $5000 – $50,000 over 1 year to 7 years, with a 24-48 hour approval. Rates ranging from 6.95% to 15.89% depending on your credit score and history.

Enjoy no early repayment or exit fees. It’s just one of the ways we help you save more and pay off your loan faster.

Please fill in the form below and you will be contacted within 24 hours.

Vehicle Loans

We can help you find Vehicle loans from between $5000 – $50,000 over 1 year to 7 years, with a 24-48 hour approval. Rates ranging from 4.89% to 15.89% secured loan or unsecured loans depending on your credit score and history.

Enjoy no early repayment or exit fees. It’s just one of the ways we help you save more and pay off your loan faster.

Budget Planning

We can assist you with your budget planning, we believe a strong budget foundation will allow you to understand your personal finance situation and how you can achieve your goals without having financial stress and constraint when getting involved with financial debts.

Business & Commercial Loans

At AOK we understand each business, big or small is different. We dedicate ourselves to understanding your vision and strategy and help you find the right lending solution to help your business grow with purchasing commercial real estate, need a commercial vehicle or for any other needs, whatever your finance needs are, we’re here to help.

SMSF Loans

If you have a Self-Managed Super Fund (SMSF), you can apply for an SMSF loan to buy a residential or commercial investment property. The returns on your investment – whether through capital gains or rental income – are returned to the super fund, which can increase your retirement fund.

Take note that all your investments should be in the best interest of the fund and adhere to the laws and policies surrounding SMSF loans. Hence, you should choose a property that will provide a regular income stream and potential capital gains.

Insurance

Personal Insurance is an important product and discussion to have when taking out a large loan. We have insurance for our cars, insurance for home and contents and even insurance for our pets but many Australians do not have personal insurance on themselves when something unexpected happens to them. Sadly to say your debt will still need to be paid off and lenders are not generous and forgive your debt.

We offer personal insurance to cover yourself just in case from an unexpected event so your family or next of kin are not burdened with mounting bills or debts.

Please talk to us on how we can help you cover yourself!