TORRITA FINANCE
Finance & Mortgage Brokerage
RESIDENTIAL
Owner occupied
If you are seeking financial options to purchase a home residence, either as a first home buyer or family wishing to upgrade, then we are able to help you find the best possible loan that fits your individual circumstances.
Investors
Torrita Finance can assess your capacity to borrow for investment in real estate assets and provide solutions to help you achieve your property portfolio objectives.
Refinance
Loan refinancing and consolidation can be of considerable benefit in a volatile interest rate environment. There may be options available whereby we can help you bundle you mortgage and personal loans together under one package or refinance with a lender allowing you to access equity in your property. Please call to discuss.
CONSTRUCTION & DEVELOPMENT
Principal place of residence
There are several different circumstances whereby a borrower may be able to borrow to construct a principal place of residence, for example purchase vacant land and construct, renovate an existing property or obtain a bridging loan to purchase or construct.
Duplex and property development
Duplex construction loans up to a loan value ratio of seventy five percent are available and project finance is available for developments with varying pre-sale percentages.
In the current construction environment, the documentation requirements for construction loans are quite tenuous with evidence of build period, separation of title, government and regulatory approval compliance, usually resulting in a staged release of funds once the build commences and build hurdles have been met.
COMMERCIAL & INDUSTRIAL
Commercial property loans are available for investors looking to use the income producing properties of a commercial or industrial asset to help finance the loan.
Loan terms can be up to twenty-five years based on either interest and principle or interest only up to five years.
Security requirements for these financial products are as diverse as retail premises, office suites and industrial premises.
Usually the maximum loan to value ratio is eighty percent and registerable format leases are used to calculate the minimum interest cover ratio of one point five times the facility interest rate.
These types of facilities are available to all types of borrower structures such as sole traders and individuals, small companies and discretionary and family trusts.
ASSET & BUSINESS
Business Finance
Are you looking to buy a business or perhaps access working capital to accommodate expansion of an existing business then we can help devise options that may suit your plans.
Eligibility requirements can be strict with business history, profitability, liquidity and ATO status reviews considered.
Asset acquisition
If you would like to use your personal or business equity to purchase private or business assets (such as the 1957 Ferrari 250 Testa Rossa pictured to the right), then we can introduce you to various lenders and guide you through the many available policies that are currently in the marketplace.
CALCULATORS
Please feel free to browse the calculators in the carousel below for your own research.
Torrita Finance bears no responsibility for the outcomes of you using the various calculators as they’re for guidance only.
If you have any queries, please feel free to make contact either via the contact form, email or handphone and we will be pleased to provide assistance.
CONTACTS
+61 0491678899
robert.aitchison@torritafinance.com.au
PO Box 1320
Noosa Heads
Queensland 4567
BBUS (RMIT University); MBA (Deakin University); DIP Finance & Mortgage Broking Management
DIRECTOR
Torrita Finance
Torrita Finance was established with the objective of providing personalised mortgage and finance brokerage services that are structured to meet the needs of individuals, families and business clients.
We are located on the beautiful sunshine coast in south east Queensland and can provide assistance with any of your financing needs.
Should you be seeking advice on the range of services that we offer please don’t hesitate to call or leave a message.
Some interesting general background links
John Authers
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+61 0491678899
Australian Company Number 648-136-636
Credit Representative Number 532261