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FAQ

Frequently Asked Questions

Some of the common questions that we answer when dealing with clients that may be credit impaired or without proof of income.

Can I get a loan if I don’t have any payslips or tax returns?

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Yes, we have many ways to verify your income so please call us to discuss how

Can I get a loan in a country area?

Most traditional lenders will not lend in regional areas. Our specialist lenders are open to borrowers in every regional area in Australia. This includes some of the islands!

What does a default notice mean?

This is the first step towards a collections action. The default is listed on your credit report and will remain as a “black mark” against your name for 5 years.

How do I stop people ringing me and asking me for money?

Freedom Loans can negotiate on your behalf to hold off any collections action and can even negotiate lower payout figures for the debts to be consolidated!

Do I have to pay anything upfront?

None of our lenders charge any upfront fees. All the fees are put into the loan at settlement.

How can Freedom Loans help me if the bank said no?

We are specialists in helping people that don’t fit into the traditional lending square. We appreciate that life does have its ups and downs and have lenders that will cater for the widest possible range of clients.
Recent turmoil in the financial markets has tightened lending criteria and you may find that many lenders or brokers won’t be able to help you.

However, we still have access to funders offering attractive interest rates (as low as 4.99%*) with more flexible conditions than most lenders.

If we can’t help you, nobody can.

How do I know if my loan will be approved?

At Freedom Loans we believe that if we can’t help you, nobody can. Whatever the outcome of your loan application, we will let you know as soon as possible. We are not in the business of getting loans declined and are experienced enough to know what the chances are of your loan being approved.

Will the application process be drawn out and frustrating?

The application process can be as quick as you, the client, allows. In many cases we are too quick for the clients!

What happens to the personal information that is given to Freedom Loans?

This remains strictly confidential at all times and is used only for the purpose of helping you to obtain a loan.

How can I find out what is on my credit report?

With your permission, we are able to access your own personal credit report and inform you of the results with our FREE same-day service. Simply complete this online credit report form to get started.

When can we get the money we need?

We have had loans provisionally approved in less than 24 hours, and formally approved in 2 days. This is almost unheard of in the industry. We are able to achieve these results due to strong relationships with lenders that allow us to get the job done efficiently for our clients Australia-wide.

Why should I contact Freedom Loans?

There are many mortgage brokers out there. Here’s a short analysis as to what makes our approach unique:
We specialise in “out of the square” lending. Many banks and lenders only offer a narrow range of products with stringent conditions. We offer a wide range of products with more flexible conditions to suit most situations.
The Principal of Freedom Loans is a Certified Practising Accountant (CPA) with advanced financial expertise. This gives us a great advantage over other mortgage brokers who are often no more than salespeople, without in-depth financial training.

We have highly experienced staff specialising in assisting clients obtain the funds they need or reduce mortgage payments by finding a better deal.

Who can Freedom Loans help?

We work with a very wide range of clients in many different situations. Some are self employed or are otherwise finding it difficult to prove their income.
Other clients have an imperfect credit record that may make it difficult to obtain finance from other non-specialist lenders.
We also specialise in offering mortgage relief and lower repayments to clients by finding them a much better deal on their home loan.
We also have many clients who just use us because of our industry knowledge and quality service.

What does Freedom Loans do?

Freedom Loans is a mortgage broker that specialises in helping clients in a wide range of circumstances obtain finance or to refinance onto lower repayments.
Low Doc Loans: if you are self-employed or have problems proving your income, we can get you the funds you need at interest rates as low as 4.99%*.
Mortgage Relief: if you’re already under mortgage stress or would just like to pay less every month in repaymentswe can help.
Credit Impaired Loans: although credit impaired loans are much more difficult to obtain than in the past, we have options for people who may have an imperfect credit record.
Because we have strong relationships with specialist lenders, we’re often able to obtain funds for clients who have been turned away by other banks or lenders.

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