Full Doc

A minimum of 2 years full financials required.

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Lo Doc

For self employed applicants with complex structures, or those who simply aren't in a position to provide accountant prepared financial statements. Limited financial information required which can include (but not limited to) Cheque book statements, personal bank statements and accountants letters.

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No Doc

No financial documentation required.

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Private Lenders

No financial information. No income declaration. Lenders will rely solely on the quality of the security property. Make sure to provide a highly detailed description of the security property including tenant and lease details (if applicable).

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Construction Loans

Not in the past 20 years has construction finance been so difficult to procure. Despite this, Folio Finance continues to be one of the few firms to successfully offer this form of finance in this very specialized field.

From your traditional 80% of hard cost lending to the more highly leveraged transactions that can require mezzanine finance, Folio Finance has the expertise to ensure the most efficient form of finance is secured for your next project.

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(SMSF) Self Managed Super Funds

Borrowing through a SMSF can be one of the most tax effective ways to help grow your wealth. SMSF's can now borrow to purchase residential and commercial property. We will work closely with you and your advisers to ensure the most efficient form of finance is provided to maximize the return on your investment.

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Residential Loans

Residential property/investment loans sourced from one of our many funders. Options include interest only, principle and interest, capitalized interest, Lo Doc, No Doc and Full Doc to name a few.

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Risk Insurance

Investing is for the long term and your investments should be held for that ultimate goal of securing yours and your next generations, financial future. Once we have found the right lending product to assist you, we will then recommend you to our business partners who are experts in the specialized area of risk insurance. They will review your current insurance position and work within your budget to ensure that you have the appropriate protection in place, to preserve your income and your assets from any unforeseen events. It's the ultimate peace of mind.

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PRIVACY POLICY

At FOLIO FINANCE PTY LTD, we are committed to protecting your privacy in accordance with the Privacy Act 1998 (Cth). This Privacy Policy describes our current policies and practices in relation to the handling and use of personal information.

What information do we collect and how do we use it?

When we arrange finance on your behalf, we ask you for the information we need to advise you about your finance needs and your borrowing capacity. We provide any information that the lenders to whom we apply on you behalf require to enable them to decide whether to lend to you and on what terms.

We also use your information to enable us to manage your ongoing requirements, e.g. refinancing, and our relationship with you, e.g. invoicing, client surveys etc. We may do so by mail or electronically unless you tell us that you do not wish to receive electronic communications.

We may occasionally notify you about new services and special offers, events or articles we think will be of interest to you. We may send you regular updates by email or by post on finance matters. If you would rather not receive this information, please email or write to us.

We may also use your information internally to help us improve our services and help resolve any problems.

What if you don’t provide some information to us?

We can only fully advise you about your borrowing capacity and the suitability of a loan if we have all relevant information.

How do we hold and protect your information?

We strive to maintain the reliability, accuracy, completeness and currency of the personal information we hold and to protect its privacy and security. We keep personal information only for as long as is reasonably necessary for the purpose for which it was collected or to comply with any applicable legal or ethical reporting or document retention requirements

We hold the information we collect from you in hard copy format and electronically.

Will we disclose the information we collect to anyone?

We do not sell, trade, or rent your personal information to others.

We may need to provide your information to contractors who supply services to us, e.g. to handle mailings on our behalf or to other companies in the event of a corporate sale, merger, reorganisation, dissolution or similar event. However, we will do our best to ensure that they protect your information in the same way that we do.

We may provide your information to others if we are required to do so by law or under some unusual other circumstances which the Privacy Act permits.

How can you check, update or change the information we are holding?

Upon receipt of your written request and enough information to allow us to identify the information, we will disclose to you the personal information we hold about you. We will also correct, amend or delete any personal information that we agree is inaccurate.

If you wish to access or correct your personal information please write to Privacy Offer at PO Box 453 Prahran 3181.

We do not charge for receiving a request for access to personal information or for complying with a correction request.

Your consent

By asking us to assist with your finance needs, you consent to the collection and use of the information you have provided to us for the purposes described above.

Tell us what you think

We welcome your questions and comments about privacy. If you have any concerns or complaints, please contact our Privacy Officer either in writing PO Box 453 Prahran 3181, by emailing info@foliofinance.com.au, or calling 0388445555 and requesting to speak to our Privacy Officer.



 

 

 

PLAN We are members of PLAN (Professional Lenders Association Network) and operate under their strict code of practice. Read more


MFAA We are Full Members of the MFAA (Mortgage and Finance Association of Australia) and as such, we meet the highest industry qualifications and professionalism. Read more


COSL If you have a complaint, and we cannot reach an agreement on your complaint, you may refer the complaint to an ASIC Approved External Dispute Resolution (EDR) Scheme. Read more


PRIVACY STATEMENT Read our privacy statement.