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The Full Story

About Us

Established in 2020, Innovate Funding emerged from a keen observation of the evolving financial landscape in Australia. As conventional banking institutions continued implementing stringent mortgage criteria, countless Australians were navigating through limited options. Innovate Funding stepped in, recognising this gap and aiming to revolutionise the region's private lending. Our primary objective? Ensuring Australians, especially property owners, have a reliable financial lifeline when traditional banks fall short.

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Commitment to Your Vision

Innovate Funding isn't just a financial institution; it's a partner in your vision. We're invested in ensuring your property aspirations see the light of day. By aligning our strategies with your goals, we aim to create a symbiotic relationship where your success is ours. Let Innovate Funding be your beacon in a rapidly shifting financial landscape, guiding you towards unparalleled financial liberty.

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Pioneering Approach

Gone are the days when financial solutions were strictly tethered to age-old banking norms. At Innovate Funding, we breathe innovation. We challenge the status quo by offering alternative first and second mortgage solutions tailored explicitly to the dynamic Australian market. Our approach is rooted in understanding individual financial stories, ensuring our solutions resonate with our client's aspirations and immediate needs.

Mission

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Our mission and vision converge to dismantle traditional financial barriers. We extend non-bank loans meticulously designed to address needs like property developments, extensive renovations, and critical acquisitions. This offering spans across a broad client spectrum—be it a budding commercial broker, an astute individual investor, or a visionary property developer. At Innovate Funding, we believe in tailor-made solutions, echoing our philosophy that every financial journey is unique.

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Our Expertise

Our team's prowess stems from a rich experience spanning over 15 years. Hailing from diverse financial realms like mortgage broking and due diligence, our experts come together to form a powerhouse of knowledge and skill. Our collaborative approach, paired with this blend of expertise, places us in a prime position to traverse intricate financial terrains, ensuring our clients receive optimal solutions to fulfil their ambitions.

Proven Success

Pride and satisfaction in our work emerge from the tangible success stories we've been a part of. From aiding ambitious companies in securing lucrative investment properties to facilitating the acquisition of prime development sites and commercial real estate, our portfolio is a testament to our unwavering commitment. We're not just about transactions but about transformative financial journeys, irrespective of their magnitude.

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  • Can I qualify for a mortgage loan if a bank has declined me?
    Yes, at Innovate Funding, we work with clients who may need to meet traditional bank criteria. Our non-bank mortgage loans are designed to offer flexible solutions whether you’re in South Australia, New South Wales, Queensland, or Victoria. Note: Innovate Funding only offers non-bank lending solutions for commercial purposes.
  • Are there any risks involved with private lending?
    While private lending offers flexibility, it’s important to work with a reputable lender. Innovate Funding operates with transparency and integrity, ensuring that you fully understand the terms and conditions before proceeding. We serve clients in South Australia, New South Wales, Queensland, and Victoria, providing secure and reliable lending options. Visit link to find out more.
  • What is private lending, and how does it differ from traditional bank loans?
    Private lending involves securing a loan from non-bank lenders, offering more flexible terms and quicker approvals compared to traditional banks. Innovate Funding specialises in private lending solutions across South Australia, New South Wales, Queensland, and Victoria, providing customised loans tailored to your unique financial needs.
  • What are the benefits of choosing a second mortgage?
    A second mortgage allows you to access the equity in your property for various needs, such as business growth, purchasing equipment, or major purchases. Innovate Funding provides competitive second mortgage loans across key regions in Australia, including South Australia, New South Wales, Queensland, and Victoria.
  • How quickly can I get approved for a private loan with Innovate Funding?
    Our streamlined process ensures quick approvals, often much faster than traditional banks. Depending on your circumstances and location, we can help you secure a loan within 1-3 days, particularly if you’re based in South Australia, New South Wales, Queensland, or Victoria.
  • What projects are eligible for construction loans at Innovate Funding?
    Innovate Funding's construction loans are available for new builds, property expansions, and other construction-related projects. We offer flexible, tailored financing to meet the specific needs of developers and builders in South Australia, New South Wales, Queensland, and Victoria.
  • How can a bridging loan from Innovate Funding help during property transitions?
    A bridging loan provides temporary financing to bridge the gap between purchasing a new property and selling an existing one. Innovate Funding offers competitive bridging loans to support smooth property transitions in South Australia, New South Wales, Queensland, and Victoria.
  • When should I consider a caveat loan?
    A caveat loan is ideal when you need quick access to funds using your property as security. Innovate Funding offers fast and flexible caveat loans to help you meet urgent financial needs, particularly for clients in South Australia, New South Wales, Queensland, and Victoria.
  • What are the benefits of a first mortgage loan with Innovate Funding?
    Innovate Funding's first mortgage loans offer competitive rates and flexible terms tailored to your unique financial needs. Whether you're a first-time homebuyer or an investor in South Australia, New South Wales, Queensland, or Victoria, our non-bank loans provide the flexibility that traditional lenders may not offer.
  • How does a home equity loan work at Innovate Funding?
    A home equity loan allows you to borrow against the equity in your property. Innovate Funding offers competitive home equity loans tailored to your needs, providing a flexible financing option for homeowners in South Australia, New South Wales, Queensland, and Victoria.
  • What can development loans from Innovate Funding be used for?
    A: Innovate Funding's development loans are designed to finance land acquisition, construction, and redevelopment projects. These loans offer flexible terms and are tailored to meet the specific needs of property developers across South Australia, New South Wales, Queensland, and Victoria.
  • How can a second mortgage help me with my financial goals?
    A second mortgage allows you to access the equity in your home for various purposes, such as debt consolidation, business growth, or significant purchases. Innovate Funding provides second mortgage loans with flexible terms, helping clients in South Australia, New South Wales, Queensland, and Victoria achieve their financial objectives.
  • What are short-term property loans used for?
    Short-term property loans from Innovate Funding are designed for immediate financial needs, such as managing cash flow or seizing investment opportunities. These loans offer quick access to funds with flexible terms, perfect for clients in South Australia, New South Wales, Queensland, and Victoria.
  • What information do I need to provide when applying for a non-bank loan?
    You must provide identification, loan statements if refinancing, proof of ownership such as council rate notices, and details of why you need the funds.
  • How do I start the application process for a non-bank loan with Innovate Funding?
    To start your application, fill out the online inquiry form. One of our lending experts will contact you to discuss your financial needs and guide you through the following steps.
  • What are the steps after my loan application is approved?
    Once your loan is approved, we'll collaborate with you to finalise the terms and conditions. Depending on the loan type, we'll arrange for a property valuation. If the Loan-to-Value Ratio (LVR) meets the required standards and all terms are agreed upon, we'll issue a letter of offer. After you sign the agreement, our legal team will provide the formal terms. The funds will then be disbursed according to the agreed schedule, and we'll continue to offer support throughout the loan.
  • How long does it take to get approved for a non-bank loan with Innovate Funding?
    Depending on the complexity of your application, you could receive approval within a 1-3 days.
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