info@malosigroup.com.au (02) 4943 9082

Finance Services

At Malosi Finance we pride ourselves on delivering outstanding service, honesty, integrity and great value. We understand the importance of teamwork in achieving goals. Whether you are using our services for the first time or you’re a longstanding client we are entirely committed to surpassing your expectations.
As the finance market becomes increasingly complex, more people are turning to Finance Brokers.The choices now available in the market can seem completely overwhelming with the list of seemingly limitless options.
By combining experience with access to many different lenders and literally hundreds of home loan products, we can provide you with a cost-effective and efficient method of reviewing, negotiating and organising your finance options. When finance applications are made with us, the client is essentially given access to each and every one of our accredited lenders. We make it our business to provide specialist advice based on an individual’s future plans and finance requirements.
These products / services offered by Malosi Accountants is not offered by Wealth Today Pty Ltd ABN 62 133 393 263 is not responsible for the advice / services provided by Malosi Accountants.
HOME FINANCE
Our lending experts are fully trained and accredited with a wide range of lending institutions and the latest home finance options available.
This knowledge enables our clients to make an informed decision about their property finance. With the ability to compare numerous lenders and hundreds of loan products our clients have the knowledge to make the right home loan decision for their personal situation the first time and avoid making costly mistakes.
Malosi Finance takes the hard work out of securing a property finance. The team will efficiently manage all paperwork, which speeds up the approval process ensuring the loan is settled as quickly and easily as possible.
We offer professional advice and never pressure our client’s into making a decision, we’re simply here to help them get the right finance.
Malosi Finance are experts in the following areas
  • PROPERTY INVESTMENT
  • FIRST HOME BUYERS
  • CONSTRUCTION LOANS
  • REFINANCING
VEHICLE FINANCE
Malosi Finance can arrange vehicle finance for a large range of registered cars, trucks and more.
A secured loan is where the lender as security for the loan takes the asset you are purchasing, often allowing you to receive lower interest rates in return.
Secured loans (Consumer Mortgages) are designed for people buying for private use. Our products include
  • CHATTELL
  • HIRE PUCHASE
  • NOVATED LEASE
  • CAR LOAN
Leasing, Hire Purchase and Chattel Mortgage loans are available for vehicles that are used at least 50% for business use.
At Malosi Finance we make sure the clients application meets all lending criteria to provide the best chance of securing approval.
PROPERTY INVESTMENT
Research and having the right people to help you are the keys when investing in property.
It definitely pays to do your homework on the property market before you dive in, and we’re thrilled to be on board to help you when it comes to financing your decision and finding the right property for your needs. Recent share market slides, tight rental markets in most capital cities and a whiff of increase in property prices are seeing many mum and dad investors retreat to bricks and mortar.
But it’s not a quick win. Property usually has a seven to ten year cycle, with highs, lows and steady stints in between.
Fortunately, an ongoing housing shortage in Australia and a tax system that allows negative gearing on property (where any investment losses can be claimed as tax deductions) continue to favour housing as a solid, long-term investment.
But credit has tightened in the wake of the Global Financial Crisis so lenders are more cautious about who borrows and for what. We are your best ally in finding the right lender and loan for your circumstances in this new environment. We can also wade through the many investment loan options on offer, leaving you more time to find the ideal property.
Want to talk investing?
Whatever your circumstances, your we will find the deal that’s right for you, not the lender.
Here are some tips to help you find the right rental and reap the most rewards.
Unit or house?
House prices often increase in bigger strides than units, offering more potential for capital gain over time. But a rental home also comes with added responsibilities, including gardens and lawns (and sometimes a pool) to maintain.
A unit or townhouse may not increase in value as quickly, but they are generally easier to maintain and may even be easier to rent for that very reason, depending on location, condition and size.
Location, location
Of course, you’ve heard this before. But location can mean different things when it comes to rental properties. Renters are often looking for maximum convenience so consider properties near schools, major shopping centres and public transport.
Spend plenty of time researching target areas, including recent property price movements and future predictions, rental vacancy rates and any proposed infrastructure improvements. You should also do some scouting as if you were a renter to get a first-hand look at the local market.
Remove the emotion
One of the worst mistakes you can make with any investment is to buy with your heart instead of your head. Remember, your rental property is not your ‘home sweet home’.
A well presented property is desirable, but think sensible, not swank.
Ideally, you want a neutral interior colour scheme, serviceable and resilient flooring and window coverings, a low-maintenance yard and good storage. And if buying an older style unit, look for one with an internal laundry, a garage or car space and few stairs (unless there’s a great view to be had higher up, which can add to the property value).
Don’t forget the extras
An investment property requires regular financial commitment beyond the loan repayments. Make sure you have the capacity to cover land and water rates and any maintenance and repair costs. Tenants are entitled to repairs or replacements as quickly as possible under their rental agreement, so you will need to have the means to pay.
Apartments or units also come with body corporate fees, which can run to thousands in some modern complexes with professional landscaping and shared amenities, such as swimming pools.
Cover your investment
Make sure you take out landlord’s insurance. This will cover you for damage caused by a tenant and unpaid rent if a tenant skips out, in addition to other standard risks, such as a house fire or a storm.
If you invest in a strata title property, make sure the body corporate has sufficient building insurance to cover the cost of rebuilding the complex in today’s prices. It’s often hard to work out what you need to cover versus what the body corporate covers. A good rule of thumb is everything from the wall paint inward is yours and everything outside of that is covered by the body corporate.
Any interest?
Many property investors take advantage of interest-only loans because interest payments are tax deductible. That means you’re taking a punt that the property’s value will increase over time, leaving you with a financial gain in the long run.
This is a good strategy for high income earners who are taking advantage of negative gearing. If you choose to positive gear your investment (i.e. generate a profit from the rental income after costs), you might want to consider a principal and interest loan and use the profit to shave off the principal.
Just remember, you will pay tax on any income from your investment. Talk to your accountant about your tax situation so your broker can find the right loan.
Taking ownership
Couples taking advantage of negative gearing should put the investment property mostly or fully in the name of the highest earner to reduce their taxable income. If you need both incomes to be considered in the lending equation, speak with your broker to get the right advice on the best ownership equation for your circumstances.
Appreciate depreciation
The ATO will give you a discount off your tax bill for wear and tear on property. It’s known as depreciation, and can be a very handy windfall for investors, especially if you buy a new property.
The formula is quite complex and depends on the age of your property, building materials and the various fittings. That’s where a professional quantity surveyor comes in. For a fee (often around $600), they’ll assess the property and complete a Tax Depreciation Schedule, which your accountant will incorporate in your tax return.
Manage your investment
Managing a property takes time and energy. If you don’t have much to spare of either, you should get a professional property manager to advertise the rental, screen and select tenants, collect and pay the rent, co-ordinate repairs and maintenance, provide condition reports and manage any disputes. Ask other local landlords for referrals for reputable managers.
You should also conduct twice-yearly inspections yourself. Any associated costs, including travel and accommodation, are tax deductible.
If you decide to self-manage, you will need to be well-versed on tenancy laws and prepared to organise repairs, including those that arise after hours.
We understand every borrower/investor has unique circumstances – and that some are more complex than others. Our team know from vast experience which lenders will work with investment customers who have more complicated requirements, and will negotiate on your behalf. Not only that we can find the property that suites you individual needs.
EQUIPMENT FINANCE
Malosi Finance has a range of options for businesses looking to secure equipment finance.
Malosi Finance can save you interest and structure your Lease or Hire Purchase/Chattel Mortgage to maximise your tax deductions by selecting the right finance package from a wide range of major equipment lenders.
We will help improve cash flow at critical times by structuring your payments to match the seasonality of your business.
By working in conjunction with your accountant we can achieve the optimum package for your requirements.
COMMERCIAL FINANCE
Malosi Finance can assist with a range of commercial finance from industrial to residential
Areas we can assist with are
  • Strata title offices
  • Industrial warehouses
  • Retail outlets
  • Franchises
  • Specialised securities
  • Holiday let apartments
  • Working capital finance
  • Factories, shops and vacant land
  • Depending on the development
Depending on the development, we can arrange finance for up to 70% of the gross value of the property, and depending on the strength of the development up to 100% on the total development cost.