Personal Finance

It’s not always easy to navigate financing options. If you’re considering purchasing a home or worried about the high interest rate that you are currently paying, DBIJ finance can help you take the mystery and aggravation out of the process. We offer affordable and favourable financing options with very competitive rates and terms through several local and national lenders.

In prime locations like most of the popular suburbs, where real estate prices are high, building or purchasing a home could be a smart move if done correctly, to help bring up family, proximity to schools and the convenience of travel. DBIJ finance offers customised and tailored home loan solutions that organise finances to buy a home or refinance your existing home loan with the assurance of peace of mind & the potential of saving you time and money

Our Strategy

  • Work diligently to tailor the right home loan solution and financing options for your needs and goals
  • Be Bold to research the market and do the right thing by our client
  • Innovatively manage every aspect of the home loan process from application to settlement
  • Setting up realistic expectations, making the customer experience Just for You
Owner Occupied or Investment Property home loans with LMI capitalisation up to 98% LVR and without LMI up to 90% LVR
Subject to lender’s requirements, fees and T&C
Tricky or Non-Confirming Loans e.g. Customers with 1 Default or more or bankruptcy held or Self-employed with 1 day old ABN registration
Subject to lender’s requirements, fees and T&C
*Construction Loan as owner/ registered builder Without LMI up to 90% and with LMI up to 95% LVR
*Subject to lenders terms and conditions, fees and charges and eligibility criteria apply.
Investment Loan P&I Fixed “from 3.88% pa comparison rate 5.31% pa to Interest only Variable from 4.04% pa comparison rate 4.34% pa
Refer to comparison rate disclaimer – click here
Loans specially for Doctors, Dentist, Pharmacist, lawyers & Architects

Off the plan property purchase from 1-5 years by unlocking equity to pay 5-10% deposit

*Inner City Apartments without LMI at 80% LVR & above 30 sq. meter size
*Subject to lenders terms and conditions, fees and charges and eligibility criteria apply.
Fixed Rate Home Loan with 100% offset account

Variable Rate Home loan with multiple offset accounts at no cost

Home Loan for House and land size from 1 to 150 hectares

Unsecured Personal Loan from $4K to $60K

*Low Doc  Without LMI up to 85% LVR or with LMI up to 95% LVR

*Subject to lenders terms and conditions, fees and charges and eligibility criteria apply.

We Specialise In

Refinancing of Mortgages

Are you concerned that your current home loan is not going anywhere? Either because you do not have a competitive interest rate or you have been knocked back by your lender when you tried to consolidate your debt because of your current situation and don’t know where to go?

Give us a call to help you with your situation at no cost to review your home loan and financing options to ensure that you have a competitive interest rate. If you are keen to consolidate all your loans/debts to take control of your situation without the right knowledge of financing options, this can be very challenging. However, if you do it right, you may end up saving large sums of money.DBIJ Finance will tailor a home loan solution that can lower your total repayments by combining multiple debts into a single loan, along with having a home loan that meets your short and long term financial goals

Investment Property Purchases

If you are in the market planning to purchase an investment property or wanting to grow your existing investment property portfolio with the intent of leveraging your equity position, we at DBIJ finance with our knowledge and experience in financing options will help you understand market dynamics of where you should buy, discuss the right property by evaluating total income, work out the capacity of true cost of your investment by tailoring an appropriate investment home loan solution that will suit your strategy from a wide range of lenders at a competitive interest rate thus helping you maximise your gearing position.

We at DBIJ finance will work with you to make the right decision with insights and set expectation by offering an affordable or a favourable solution that will suit your financial goal, thus making this process seamlessly and transparently as we work with a wide range of lenders with various financing options to tailor a solution that will help you save and consolidate all your debts getting you the better interest rate.

If you are keen to learn more about how to get a loan and financing options, we invite you to have a chat with one of our brokers.

Results Driven

Over 20 Years Experience

Winning Customer Service Culture

Top Performing Investments