Capital Loans
Capital Loans is part of the HBOS Group Australia and was founded in 1995. Its parent company Lloyds Banking Group is one of the largest financial service providers with assets of more than A$1 trillion.
Capital Loans holds offices in Australia’s major cities in addition to employing mobile staff to cater to the needs of customers in the non-metropolitan areas.
For personal Loans, the company offers:
- Dealer Loans & services (Wholesale & retail Loans for motor, marine & caravan)
- Capital fleet lease (fully or non-maintained options, operating and Loans leases)
- Personal loans (from $7,500 to $20,000; 1 to 5 years; all personal lending is unsecured)
- Motor loan (Loans, novated leases, asset purchases, Loans leases, chattel mortgages)
- Boat loan (Secured loan or term purchase)
- Home loan (Variable or fixed rate, line of credit, low doc loans & equity releases with a maximum 90 per cent of the property value and a minimum 10 per cent deposit of the purchase price; maximum 30 years term)
- Caravan Loans (1 to 7 years, fixed rate for the term of the loan)
- Motorbike Loans (1 to 7 years, fixed rate for the term of the loan)
- Motor dealer services (offering Motor Dealer training and secondment services)
- Car Loans
For businesses, Capital Loans has a range of options such as:
- Equipment Loans (rental/operating leases, Loans leases, hire purchases, lease in escrow/letters of credit, small ticket leases, chattel mortgages and novated leases)
- Loans brokers (facilities from $5,000; lease in escrow/letters of credit)
- Aviation Loans (rental/operating leases, financial leases, hire purchases)
Additionally, Capital Loans deals in property Loans, specifically Construction and Investment Funding.
Construction funding is offered for the commercial, industrial and retail sectors; for medium to high density residential and land sub-divisions.
Investment funding relates to a service which offers loans for purchasing and refinancing properties in commercial, industrial and retails sectors. The interest rates are considered on a variable rate or fixed rate long term basis and the loan of term can be up to 15 years.