We service all areas in Sydney, however, we also service customers around Australia by leveraging technologies such as Zoom and ZipID.

Can you come to my home or place of business?

We can meet with you during or after business hours at a place of your choosing including your home, your work, a coffee shop, or one of our many offices around Sydney. Please contact us to make an appointment with one of our friendly finance brokers.

Do I need to make an appointment or can I just come to your office?

Yes it is important to make an appointment if you want to see one of our specialist brokers as we are not always at the office during business hours.

Why should I use a Mortgage Broker instead of walking into a Bank?

Mortgage brokers have relationships with many different lenders and access to hundreds of different products, while your bank can only provide their own loan products which may not be the most suitable to your personal circumstances and serviceability.

Why should we choose World Class Finance?

At World Class Finance our focus is on providing the best service and advice to our clients. From the beginning, we will work with you to analyse and understand your requirements, then we will provide you with the most suitable loan options from hundreds of products to suit your current circumstances.

I already have a loan but I have seen a cheaper rate advertised, what can I do?

There are so many different rates being advertised but it is important to realise that they may not necessarily be suitable to your circumstances. Many banks also have loan or clawback fees that will need to be repaid if you refinance your loan within a certain timeframe. That is why it is a good idea to understand all the terms, conditions and fees before choosing a new product and refinancing your existing loan. We can help you through the entire process. Contact one of our friendly Finance Brokers who can help you find the best rate and conditions to suit your needs.

What is the First Home Owners Grant?

The First Home Owners Grant scheme is a one-off payment which varies by state or territory (from $7,000 up to $26,000) to assist eligible first home owners with purchase or construction costs. There are requirements that must be met in order to be eligible for the grant.

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You will only be eligible if both co-purchasers are eligible to receive it.

Can you help me apply for the First Home Owners’ Grant (FHOG)?

We can check your eligibility and help you apply for the First Home Owners Grant. Contact our specialist team today.

How much money will I need to pay my stamp duty?

The amount of Stamp Duty you will need to pay on your purchase varies depending on your circumstances. The amount of stamp duty can be based on the price of the property, where the property is, use of the property and whether you are eligible for any discounts or exemptions. You can use our Stamp Duty Calculator to get an idea of the stamp duty to be paid in relation to your purchase price.

How do I know which home loan is best for me?

With so many loans from so many lenders it’s hard to find the right loan. At World Class Finance we work with you to ensure that you are provided with the most suitable loan for your circumstances from the many lenders out there. Contact our friendly team of finance specialists today.

Should I get a 'interest only” or a 'principal and interest' loan ?

This will depend on your circumstances, the lender and the product you choose. Contact the specialist team at World Class Finance who can assist you with any loan queries.

What is the difference between an Interest only loan and a principal and interest loan?

Principal and Interest Loans require you to pay back a portion of the loan balance in your repayments in addition to the interest charged over the agreed period enabling you to pay back the loan over the term of the mortgage.

Interest only loans only require you to make payments on the interest amount without paying anything towards the principal loan amount. After 5 years an interest only loan will revert to a Principal & Interest loan and will need to be paid off over the term of the mortgage.

What is a Bridging Loan?

A type of loan provided by the bank to allow you to purchase a new property while you are selling your old property. Bridging Loans are usually only short term (between 1-18 months) with the loan expected to be fully repaid at the end of the term. They have a much higher interest rate than other property loans and use both the new and existing properties to secure the loan.

For more information about Bridging Loans contact our friendly team of finance specialists today.

Should I purchase an investment property?

Buying an investment property can be exciting however before deciding whether to purchase an investment property it is important to understand your current financial situation and determine whether it is the best course of action for you. Speak to one of our finance specialists who can assess the impact of the investment property on your financial circumstances and advise you on how to structure your home and investment loans most effectively.

Can I use my existing property as security for my new investment loan?

Yes. It is quite common for investors to use their home as part of the security for an investment property loan however it is advisable that you speak to a mortgage broker in regard to any new and existing loans before making any changes to your financial circumstances. Contact World Class Finance to arrange to speak to one of our finance specialists, Book a Free Consultation or fill in your information on our online form and we will contact you.

Is an investment loan different from a home loan?

A home loan, also known as an owner occupier loan is used to purchase a property for you to live in, while an investment loan is used to purchase property that you will rent out to receive income. For this reason, investment loans usually have different terms and conditions and some lenders charge a higher interest rate for investment loans as they considered higher risk than owner occupier loans.

What is the difference between negative and positive gearing?

A negatively geared property is a property where the costs of owning it exceed the income it produces while a positively geared property is a property where the income it produces exceeds the cost of owning it. Negatively geared properties can provide tax benefits however it is important to ensure you can afford a negatively geared property before you purchase one. If you are thinking of purchasing an investment property contact us to discuss your loan options.

When is the best time to discuss a refinance with my broker?

Any time you want.

The most common reasons why customers consider a refinance are:

  •  They want lower monthly repayments
  • They have consistently seen a cheaper interest rate being advertised
  • They are unhappy with the service they are receiving from their current bank
  • They want to consolidate their personal and credit card debts
  • They want to release equity in their loan to pay for renovations, holidays or even to purchase an investment property.

Whatever your reasons are for considering a refinance the team at World Class Finance can help you. Contact us today to discuss your requirements with one of our Finance Brokers.

What are the benefits of consolidating debt?

Consolidating debt from existing credit cards or your personal loan can potentially save you a lot of money in interest as your home loan interest rate is a lot lower than your other personal loan and credit card rates. In addition, you will only have to pay one monthly payment if all debts are consolidated into your home loan. Speak to your Finance Broker at World Class Finance to see if Debt Consolidation can help you.

What is a Construction Loan?
A short-term loan used to finance construction of your home. Construction loans are based on the building plan and the lender releases the funds in progress payments at various stages of the construction as per the agreed on schedule with the lender and the builder.
What is a commercial property?

Commercial properties are classified as properties intended to be occupied by a business or profit generating land such as farms. Some examples of Commercial property include but are not limited to offices, hotels, shopping centres, medical centres, childcare centres, retail stores, warehouses, farming land and factories.

Can I get a loan for a commercial property if my business is occupying it?
Yes. Commercial property loans are available to investors and business owner occupiers however there are many different loan products to choose from. Speak to one of our friendly Finance Brokers at World Class Finance to find the right product to suit your circumstances.
Why do I need business finance?

Business Finance can assist you to maximise your cashflow and provide opportunities for your business to grow, but the type of finance is dependent on the objectives of the business and the type of business.

At World Class Finance we can find the right business finance solution to help you improve your cashflow, purchase equipment, buy stock, import goods, pay wages and expand your business.

Give us a call today to speak to one of our friendly Finance Specialists.

What types of Business Finance can I get?

There are many types of Business Finance offered by the many Commercial Lenders. Speak to one of our friendly Commercial Finance Specialists who can help you determine the most suitable Business Finance solution for your business.

We can assist with:

  • Secured Business Loans
  • Unsecured short term Business Loans
  • Franchise Loans
  • Debtor Finance/Invoice Finance/Accounts Receivable Finance
  • Working Capital Loans
  • Cashflow Funding
  • Trade Facilities
  • Work Vehicle and Equipment Finance
  • Overdraft
  • Line of Credit
  • Trail Book Finance

Invoice Finance, also known as debtor finance or receivables funding, is a type of business funding that provides access to funds tied up in unpaid invoices. This type of Finance can help your business to ensure consistent cashflow allowing you to run and grow your business even if your debtors are slow to pay their invoices. It can be a good alternative to using your own personal property as security to gain funding for your business.

Please note it is important to realise this kind of funding may not be suitable to every business and it is important to seek advice from your Finance Broker to ensure that this is the best solution for your business from the many types of business funding.

Call us today to discuss what Business Finance Solution would be best for you.

What is trade FINANCE?

Also known as a Trade Facility, Trade Finance is a type of Working Capital Finance that is used by a business as a cashflow management strategy to fund the purchase of their stock that they will later sell to their customers.

Trade finance is often used by import/export businesses as the process involved assists to simplify the flow of business transactions and minimise the risks involved in buying and selling internationally.

Call us today to discuss whether a Trade Finance Facility is the right solution for your business.

Should I Set up a Self-Managed Superannuation Fund?

Before you decide to set up a self-managed superannuation fund it is important you seek independent financial advice from an Accredited Financial Planner as well as discuss the tax implications and obligations of a SMSF with a qualified Accountant and Tax Advisor.

Once you have sought the right advice and set up your Self- Managed Superannuation Fund, your broker at World Class Finance can assist you with suitable SMSF Loan options in line with your requirements and circumstances.

You can read more about Self Managed Superannuation Funds on the following sites:

What are Some of the Benefits of a Self Managed Superannuation Fund (SMSF)?

There are many benefits to having a Self Managed Superannuation Fund. Some of the main benefits are as follows:

  • The Tax Rate on income within a Self-managed superfund is charged at a maximum of 15%.
  • There is no tax on income within a self-managed super Fund during the retirement phase.
  • Maximum Capital Gains Tax Rate of 10% on properties sold after being held in SMSF for longer than one year.
  • There is no capital gains tax on properties held in SMSF if sold after retirement.
  • You can pay out the SMSF loan at any time subject to the terms and conditions of the loan facility.
  • Your Self-managed Superannuation fund may claim expenses, including interest as tax deductions.
  • Using gearing strategies, the SMSF can secure properties with a higher value than the total net worth of the Super Fund.
  • A Self-managed super fund provides you with greater control over investments made by the superfund.
What are the Basic attributes for a SMSF loan?

As Self Managed Superannuation Funds (SMSF) are regulated by the ATO they can only borrow money under specific circumstances:

  • The property you purchase must be income producing (positively geared)
  • You cannot purchase vacant land unless it is rural land which earns income
  • The SMSF must have enough money to pay the deposit and relevant fees for the purchase of the property
  • You must use all funds provided by the SMSF loan on the purchase of the property, they cannot be used for anything else such as legal and purchasing costs.
  • None of the members of the SMSF can live in the property, however they may purchase a property that they plan to live in when they retire as long as the property is transferred out of the SMSF after retirement.
  • All loan repayments must be made by the SMSF, you cannot pay them yourself.
  • You cannot offset losses from the property against your personal income, they can only be offset against the SMSF income.
Can I get an SMSF Loan to buy a Commercial Property with my Self Managed Superannuation Fund (SMSF)?

Yes you can, provided you follow the regulations set out by the ATO. Speak to one of our Finance Brokers to discuss your SMSF Loan options.

What is Asset Finance?

Asset Finance is Finance used to fund a Business Asset including but not limited to Cars, Work Vehicles, Equipment, Machinery and fitouts.

What types of Asset Finance do you offer?


  • Commercial Hire Purchase
  • Chattel Mortgage
  • Novated Lease
  • Finance Lease
  • Operating Lease
    What Assets can I get finance for?

    All kinds of work vehicles, equipment, machinery and luxury items including but not limited to:

    • Cars
    • Motorcycles, Scooters and Boats
    • Utes, Trucks and other Work Vehicles
    • Demolition and Construction Equipment
    • Forklifts and Earthmoving Equipment
    • Manufacturing, Warehouse and Heavy Machinery Equipment
    • Farming and Mining Equipment
    • Medical and Dental Equipment
    • Professional Photography and Printing Equipment
    • Printers, Computers and Software
    • Retail, Office Fit-outs and Equipment
    • Kitchen Equipment and Upgrades
    Why should I use a finance broker instead of getting finance with the dealer?

    Purchasing any kind of asset whether it be a house, a car or  heavy machinery requires the right advice, a competitive rate and the right type of finance. When compared to a dealer, a finance broker not only considers monthly repayments but all aspects of your loan including the interest rate, the type of finance that is best suited to your circumstances, the duration of the loan and whether you can afford it.

    A finance broker structures your finance around you and your circumstances and is a lot more transparent about the fees and charges you pay including the hidden costs associated with some types of finance such as balloon payments at the end of your contract. Finance Brokers also have access to a panel of Asset Finance Lenders providing you with options while your dealer may only use one lender which may not necessarily have the best interest rate and loan terms for your circumstances.

    At World Class Finance we have a diverse panel of lenders with a wide range of Asset Finance options to suit you. Contact us and our finance specialists will work with you to determine your requirements and find an Asset Finance solution to meet your needs.

    What is the ATO Small Business Instant Asset Write off?

    The Small Business Instant Asset write off is a scheme introduced by the Australian Tax Office that enables small businesses to claim a deduction on the business portion of the cost of an Asset the year the Asset is first used or installed.

    Speak to your Finance Broker at World Class Finance to see if you are eligible for the Small Business Instant Asset Write Off.

    What insurance do you offer?

    Our Partner Insurance Brokers can provide both General and Specialised Insurance. Please contact our friendly team at World Class Finance to discuss your insurance needs.

    What insurance do I need?

    This will depend on your personal circumstances and situation. Give us a call today for a no obligation discussion with one of our friendly brokers.

    When will I need to get Lenders Mortgage Insurance (LMI)?

    You will need to take out Lenders Mortgage Insurance if you borrow more than 80% of the value of your property.

    Call your Finance Broker at World Class Finance to find out more about Lenders Mortgage Insurance.


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