Atrium Finance Delivers innovative and cost-effective financial solutions designed to address the needs of individuals and businesses of all Sizes.
Atrium Finance delivers innovative, flexible, and cost-effective financial solutions designed to address the debt funding needs of individuals and businesses of all sizes, from small enterprises to large organisations.
Your Expert Lending and Debt Advisory Service
About Atrium Finance
Navigating the world of mortgages can be a daunting task. With so many options, rates, and terms to consider, it can quickly become overwhelming. At Atrium Finance, we are dedicated to simplifying the mortgage process for you.
With vast experience in both Corporate Banking and Property Development we have the expertise and resources to guide you through every step of the lending process. Whether you’re purchasing your next property, a sophisticated investor building wealth, refinancing to seek the best rate or facilitating business expansion, we’re here to help you.
We offer a wide range of services including:
Loan pre-approvals
Home Lending
Commercial Lending
SMSF Lending
Low Doc & Private Lending
Property Development
Debt advisory
EXPERTS IN OUR FIELD
Why Atrium Finance?
Expert Advise
Our team will provide you with personalised advice tailored to suit your unique financial goals, needs and circumstances.
Wide Range of Options
We work with a variety of lenders, from major banks to private lenders, ensuring you have access to the best mortgage products and rates on the market.
Save Time and Money
We do the legwork for you, comparing rates and negotiating on your behalf to ensure you obtain the best deal.
Transparent Process
We’ll keep you informed every step of the way, so you know exactly what’s happening throughout the lending process.
Customer Satisfaction
Your satisfaction is our top priority. We strive to provide exceptional customer service and support throughout the entire lending process.
OUR MOST FREQUENTLY ASKED QUESTIONS
FAQs
We work for you. Our job is to find you a solution that meets your needs and goals from a panel of more than 30 lenders.
In most circumstances, we require:
- Our completed Fact Find Form
- Your latest two payslips
- Your most recent two tax returns
- Signed Privacy Consent
- Two forms of Identification
- Most Recent Bank Statements
In most cases, no charge. We are paid by the lender after settlement.
In some unique circumstances, a fee may be applicable, if so, this would be disclosed to you upfront.
Yes! My recommendation is to obtain a pre-approval BEFORE you make an offer on your next property. The lender will look at your income, employment history, assets & liabilities, and credit history. This places you in prime position to make a strong offer including shorter settlement terms.
From initial appointment to loan approval the process can range from 2-3 weeks depending on your individual circumstances.
- Property Conveyancer
- Mortgage Broker
- Accountant
- Pest Inspector
- Building Inspector
Yes, we recommend engaging your tax advisor when buying an investment property as they can provide financial advice regarding:
- Ownership & Borrowing structures
- Tax implications such as Positive & Negative Gearing
- Long & Short-Term Investment strategies
- Asset Protection strategies
- Retirement Plans
The minimum deposit amount generally starts from 5% of the purchase price. It is worth having a discussion with us once you have saved 5% of your ideal purchase price.
We conduct an annual review of your home loan to ensure it aligns with your evolving financial needs while providing you with insights on how your interest rate compares to current market offerings. Should we find more competitive rates, we will guide you every step of the way through the refinancing process, ensuring that you make the most informed and beneficial decision.
When you take out a fixed rate home loan, the interest rate remains “fixed” for a specified period, whereas when you take out a variable rate home loan, the interest rate can fluctuate, going up or down depending on the decisions of your lender.
With “Principal and Interest” repayments, each regular repayment you make is made up of loan interest plus an amount of the loan principal. In this way, the loan is paid off in full over the loan term you have selected.
With “Interest Only” repayments, each regular payment is made up of interest charges. You do not pay off any principal for a selected period.
An offset account is a transaction account which is linked to a customer’s home loan that functions as a regular everyday account. The main benefit of an offset account is that the money you put into it is ‘offset’ daily against the balance of your home loan and interest is charged against this reduced amount, rather than the full outstanding balance of your home loan.
Redraw is a loan feature which allows you to withdraw additional repayments you’ve already made towards your home loan. It differs from an offset account in that it is not a separate bank account, but a feature which sits inside your home loan.