FAQ
Q. What's best for my tax?
A. We are not qualified to give advice on taxation matters. However we are very experienced and knowledgeable in structuring loans that may be tax effective. We often talk directly with clients' accountants to determine the product and structure that is most advantageous to you.
Q. Should I do all my borrowing through you, my broker?
A. Quite naturally we would say yes, but for some very good reasons. Firstly freedom of choice enables us to place your borrowings with a competitive lender with a suitable product. We take the time to understand our client's business and endeavour to develop a trustworthy long term relationship. We are from the local area which enables us to understand seasonal and local changes.
Q. Will I always get the cheapest interest rate by using a broker?
A. Whilst we can't guarantee this, we will provide a highly competitive quote that may not have additional ongoing fees or charges, or lesser fees and charges. In addition, we pride ourselves on offering the right product for the right purchase and providing fast and efficient service.
Q. What fees does Esdale Sinclair & Associates charge the client?
A. In most cases we are paid by the financier. It is rare for you to pay anything directly to Esdale Sinclair & Associates.
A small number of banks and finance houses do not pay fees to brokers. In those cases if we believe the appropriate loan for our client is produced by one of these, we will advise you of our fees and these will be payable by you at settlement.
Q. How do I apply for a loan?
A. Contact us by completing an online application or contact your nearest Esdale Sinclair and Associates location.
Q. How long does it take to get finance approved?
A. In the majority of cases for equipment finance, once we have all the information we require to complete the application (i.e. financial information, full details of equipment being purchased, etc.) we'll have an approval within 24 to 48 hours.
Home loan and mortgage loan applications usually take around five working days.
Q. I've tried to get a loan on my own and been knocked back. Can you help me?
In the majority of cases - YES! Most rejections from financiers are due to lack of information provided by the applicant, or the information is not presented in the best light. Due to our years of experience in the Finance Industry, and our knowledge of different financier's assessment procedures, we are able to ensure that all pertinent and necessary information is positively and ethically presented to the financier, thus maximising the chance of getting your finance approved. |
|
