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ph: +61 (8) 9228 1000
email: admin@imfs.com.au
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Loans & Products

    • Owner occupier and investment loans
    • Construction loans
    • Land loans
    • No deposit home loans
    • First home buyer assistance
    • Principal and interest or interest only repayments
    • Commercial loans
    • Commercial property development loans
    • Property development loans
    • Refinancing
    • Insurances
    • Fixed and/or variable and/or combination loans
    • Lines of credit
    • Debt consolidation
    • Equity lending
    • Home to home loans (bridging finance)
    • Deposit bonds
    • Chattel mortgage
    • Consumer mortgage
    • Low documentation loans (Low-Doc)
    • No documentation loans (No-Doc)
    • 100% funded home loans
    • Vehicle finance/vehicle find
    • 100% offset accounts
    • Secured/unsecured personal loans
    • Short Term Lending and so much more...............

  • First Home Owners

    • First Home Owners Assistance
    • Approve Before you buy
    • Home Loans
    • Construction
    • Professional loan Packages
    • Fixed and/or Variable and/or Combination Loans
    • Principal and Interest payments
    • 100% offset
    • Low Doc
    • No Deposit Loans

  • Owner Occupied

    • Approve Before you buy
    • Home Loans
    • Construction
    • Professional loan Packages
    • Fixed and/or Variable and/or Combination loans
    • Principal and Interest payments
    • 100% Offset
    • Refinancing
    • Home to Home loans (Bridging Loans)
    • Non conforming/poor Credit History
    • No Deposit Loans

  • Investment Loans

    • Approve before you buy
    • Home loans
    • Land loans
    • Construction loans
    • Professional loan Packages
    • Fixed and/or Variable and/or Combination Loans
    • Principal and Interest repayments
    • Interest Only repayments
    • Interest in advance payments
    • Lines of Credit / Equity Line / Revolving Line of Credit
    • Home equity Loans

  • Personal Loans

    Loans for any purpose that are not secured by property we will find the right type of facility for you. Including loans for Motor Vehicles, Motorbikes, Trucks, Buses, Caravans, Boats, Aeroplanes, Home improvements, Swimming Pools, Holidays, Share Purchases and Tax Effective Investments.

    • Personal Loans
      A Personal Loan is an unsecured loan with fixed payments and a fixed payment schedule that can be used for debt consolidation, home improvements, share purchases or any other need.
    • Car Loans
      Car Loans are loans which are secured by the vehicle, and can include Consumer Loans, Chattel Mortgages and Hire Purchase.
    • Consumer Loans
      A loan to purchase a car solely for personal use. The car is the security for the loan and 100% of the total purchase price can be financed. Repayments are fixed for the term of the loan.
    • Chattel Mortgages
      A loan to purchase a vehicle predominately for business use. Popular with sole proprietors, partnerships or companies. The borrower becomes the owner of the motor vehicle while the financier secures a charge over the vehicle. GST is not payable on the loan repayments.
    • Hire Purchase
      Unlike a chattel mortgage, under a Hire Purchase arrangement you do not become owner of the motor vehicle until all monies owed under the arrangement are paid. GST is not payable on the Hire Purchase repayments.
    • Vehicle Refinance
      We will assess and if required restructure your current vehicle loan to give you the benefit of current interest rates that are currently available.
    • Unsecured
      A loan that does not use an asset as security.

  • Business Loans

    Loans for any business purpose that may be secured by property - including residential, commercial, industrial or rural; by business assets; or by vehicles, machinery or equipment.

    • Commercial Loans
      Loans for any purpose that use commercial, industrial or rural property as security.
    • Property Development Loans
      A loan to construct multiple residential and / or commercial properties for resale. Interest may be capitalised during the construction phase.
    • Business Loans
      Loans for business purchase or use that are secured solely by the business assets but excludes property as security.
    • Chattel Mortgages
      A loan to purchase a vehicle, machinery or equipment predominately for business use. Popular with sole proprietors, partnerships or companies. The borrower becomes the owner of the asset while the financier secures a charge over the asset. GST is not payable on the loan repayments.
    • Hire Purchase
      Unlike a chattel mortgage, under a Hire Purchase arrangement you do not become owner of the vehicle, machinery or equipment until all monies owed under the arrangement are paid. GST is not payable on the Hire Purchase repayments.
    • Short Term Lending
      A short term bridging loan for any business or investment purpose with real estate security. Suitable if you require a quick settlement or funds in as little as 48hours

  • Debt Consolidation

    • Debt consolidation
    • Non Conforming/Poor Credit history
    • Personal Loans

  • Other

    • Reverse Mortgages
    • Non Conforming/Poor Credit History
    • Short term lending
    • Home to Home loans (Bridging Loans)


Testimonials

"Having Monica Chan look after us made the whole process of buying a house, applying for a loan and other things that needed doing when purchasing a home,a smooth one for us. Monica always kept us informed and in every respect went the extra mile for us.

You could not ask for a more committed, detailed and efficient person to handle your mortgage affairs and it is with no hesitation that we would recommend Monica to anyone applying for a home loan."

--Gaye Blomfield and Warren Greenhalgh