Strategic Brokers is a trusted provider of personalised and effective personal loan solutions across Australia; we’re ready to do the same for you.
Far from treating you as just another loan application, we dedicate ourselves to understanding your unique financial situation, lifestyle and future plans. This comprehensive approach helps us offer you the best possible options designed to meet your specific needs.
How does a Personal Loan work?
Personal loans allow you to borrow a lump sum of money from a lender with the agreement to repay the money over a set term – usually between 1-7 years, along with interest and fees.
These loans can be used for various purposes, like holidays, weddings, debt consolidation, home renovations, car purchases, or unexpected expenses.
Personal loans come with either fixed or variable interest rates. Fixed rates remain constant throughout the loan term, providing certainty over repayment amounts.
Variable rates fluctuate based on market conditions, meaning repayments can increase or decrease. Interest rates generally range from around 7% p.a. to over 20% p.a., determined by factors like the borrower’s credit score, income, expenses, and the loan amount.
Personal loans can be secured, where the borrower provides an asset like a car as collateral, or unsecured, where no collateral is required.
Secured loans tend to have lower interest rates, but the asset is at risk if the borrower defaults. Unsecured loans have higher rates but don’t require collateral. Some lenders may also offer lower rates if the borrower has a guarantor.
To qualify for a personal loan, applicants generally need to be over 18, Australian residents, have a steady income source, and have a good credit history.
Customer reviews
Anya Lee
27 August 2024
Had the absolute pleasure of dealing with Aileen from Strategic Brokers who helped me acquire my new apartment. Aileen is very positive and super friendly, she looked after me from the very beginning till the comple..
Tomothy 2
27 August 2024
Professional and outstanding. Admittedly came into the broker experience quite cynical but figured I’d give it a shot if it meant it might save me some money, absolutely did not regret it. Hung and his team really committed to..
Robert Diovin Atengco
27 August 2024
Amazing experience in working with Tony and Hung. They were very knowledgeable and unbiased with their advice and recommendations. Tony was very thorough and really listened to make sure we align our financial..
Marco Hermano
27 August 2024
Strategic Brokers have been amazing to deal with. Hung and his team are very knowledgeable and don’t stop at just finding a good lender (like many I have dealt with in the past), they went further to ensure strategy was fittin..
The Personal Loan process
We act as an intermediary between borrowers and lenders, and our role is to help you find and secure the most suitable personal loan by comparing options across multiple lenders.
Step 1
The process typically begins with you providing one of our brokers with details about your financial situation, including income, expenses, existing debts, and credit history. The broker uses this information to assess which lenders and loan products may be the best fit.
Step 2
With access to a wide panel of lenders, we can compare interest rates, fees, loan amounts, repayment terms and other factors from different providers. Our expertise and industry relationships allow us to negotiate better deals that you may not be able to access directly.
Step 3
We then present you with a curated selection of the most competitive personal loan options that fully align with your needs and eligibility. This saves you considerable time and effort compared to researching and applying with multiple lenders individually.
Step 4
Once you choose a preferred loan option, we’ll assist with the application process, ensuring all required documentation is submitted correctly to the lender. We will act as the main point of contact between you and the lender throughout this stage.
Step 5
If the loan application is approved, you’ll receive the funds directly from the lender and then make repayments to that lender as per the agreed terms.
Step 6
But our assistance continues after loan approval. We’ll keep you updated on how you’re tracking with your loan repayments and assist you with potential refinancing options should your financial circumstances change. To us, you’re not just another ticked off transaction in our books – you’re a client for life.
Your trusted partner in Personal Loans
Specialising in personal loans in Sydney, we make it our mission to guide you through the loan process, ensure you understand all the intricacies, and help you make the right decisions based on your specific needs, lifestyle, and future plans.
We believe in providing you with a personalised loan experience backed by an in-depth understanding of the Sydney market. Not only this, we provide you with the guidance and tools you need to make informed decisions.
We also understand the importance of not overextending financially, that’s why our brokers provide anticipatory advice, which helps in avoiding such situations. After all, borrowing should be a tool for ease and flexibility, not a burden.
The core essence of our service is to ensure that our clients feel supported, reassured, and, most of all, confident in their decision to choose us as their personal loan partner.
We aim to foster a long-term relationship that addresses your immediate funding needs and future financial goals.
Wide Lender Network
In the world of finance, it's easy to fall into the trap of thinking your bank is your only option. We're here to introduce a world of opportunities that you won’t find at traditional banks. As independent brokers, we work with a wide range of lenders to provide a solution tailored specifically to your needs.
Trustworthy, Professional Service
Lenders recognise the high and stable income potential of medical careers. As a result, we often allow medical professionals to borrow larger loan amounts compared to other professions with the same income level.
Variety of Loans
We offer a range of loan services for different purposes, be it a much-anticipated vacation, a meaningful home renovation project, or anything in-between. We ensure that you find an affordable personal loan option with flexible repayment terms.
Faqs
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Ready to take the next step in your financial journey?
Get in touch with Strategic Brokers today to explore personal loan options tailored just for you.
