OUR SERVICES

Purchasing

With access to over 60 different lenders, we work to optimise your borrowing ability that works in your best interest, ensuring you get the best rates and terms available. Our friendly and professional team is dedicated to making the process smooth and stress-free, so you can focus on what matters most to you.

Property Loans

Property Loans

At Fruitful Endeavours, we go beyond simply securing property loans by managing and facilitating the entire process, ensuring a clear understanding of options from fixed versus variable loans to different lenders' products. Our ongoing support includes negotiating on your behalf, coordinating with third-party services such as conveyancers, buyers agents, and accountants, and ensuring you know what needs to be done and when.

We assist individuals and businesses looking to:

✓ purchase an owner-occupied home

✓ invest in residential real estate

✓ obtain a loan for commercial property

FAQ’s

  • How much you can borrow for a property loan depends on a number of factors, including the bank’s appetite, the specific property you’re looking to purchase, your income and your future plans. All of these factors and more will be discussed during our initial consultation together.

    It’s important to note that different lenders give different loaning abilities. The true value of a broker like Fruitful Endeavours is that we have access to 60 different lenders and, once we have a full understanding of your needs, we can recommend the lender and loan arrangement that we believe is best suited to you!

  • Our broker services are completely free! Have a question about this? Contact us today!

  • The answer to this question is dependant on a number of things, including (but not limited to:

    • Incentives that you are eligible to receive (e.g. first home buyer incentives)

    • Will you be looking to have a guarantor on the loan?

    • Property value and location

    • LMI (Lenders Mortgage Insurance) considerations

    • Other policies from the lender/bank

Personal Loans

Personal Loans

There are many reasons to consider taking out a personal loan, each requiring unique considerations to find the best solution. Our process starts with a consultation to understand your goals and needs, determining the best loan solution for you. We manage and negotiate the loan agreement and ensure you understand the process.

You might need a personal loan to:

✓ Consolidate debt

✓ Finance home improvements

✓ Cover emergency expenses

✓ Build credit

FAQ’s

  • You might look to take out a personal loan for a number of reasons:

    Debt Consolidation: Combining multiple debts (credit cards, medical bills, etc.) into a single loan with a potentially lower interest rate can make payments more manageable and reduce overall interest costs.

    Home Improvements: Financing renovations, repairs, or upgrades to a home, such as remodelling a kitchen or bathroom, adding a new room, or making energy-efficient upgrades.

    Major Purchases: Covering the cost of big-ticket items like appliances, furniture, or electronics that may be needed immediately but cannot be paid for out-of-pocket.

    Emergency Expenses: Handling unexpected expenses such as medical bills, car repairs, or urgent travel that arise suddenly and require immediate financial attention.

    Education Costs: Paying for education-related expenses not covered by student loans, such as certification courses, training programs, or supplies.

    Wedding or Special Events: Financing a significant event like a wedding, anniversary celebration, or other major life events that involve substantial costs.

    Business Startup or Expansion: Providing the necessary capital to start a new business or expand an existing one, especially when other funding options are not available.

    Relocation Expenses: Covering the costs associated with moving to a new home, whether for a new job, family reasons, or personal preference.

    Medical Procedures: Paying for elective medical procedures or treatments not covered by insurance, such as cosmetic surgery, fertility treatments, or alternative therapies.

    Building Credit: Establishing or improving credit history by taking out a loan and making regular, timely payments.

    Legal Expenses: Handling costs related to legal matters, such as attorney fees, court costs, or settlements.

    At Fruitful Endeavours, we’ve made it our job to help you get the best loan arrangement suited to your needs.

  • Fruitful Endeavours adds a fee to your personal loan to cover the individualised, tailored support services we provide to you. This fee is at the discretion of Fruitful Endeavours and will be made transparent to you throughout the process. For more information, get in touch with our team to discuss.

Car Loans

Car Loans

We take a comprehensive approach to securing car loans, considering several key factors to find the best fit for you. We help you navigate the various external fees involved, ensuring transparency and peace of mind. With Fruitful Endeavours, you have support and guidance throughout your purchasing journey, so you'll never be left wondering, "What have I just signed up for?" 

We help with car loans by:

✓ Determining if the loan is for personal or business use

✓ Understanding your plans for the car

✓ Evaluating the type of car you wish to purchase

✓ Explaining the benefits of secured versus unsecured loans

✓ Navigating external fees with transparency

Dream big, and watch life happen for you with Fruitful Endeavours.

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