Important information

Please be aware of the following;

Effective Immediately Tuesday 6th March 2012 Credit License Cancellation Lodged By Us With ASIC

Ability Finance have elected to cease all credit activities covered by ASIC credit licensing for various reasons including but not limited to;

  1. Lender commission cuts over the past few years.
  2. Additional liability, workload and costs arising from National Credit Licensing
  3. Lender minimum volume restrictions which result in smaller brokers not being able to offer all options to customers.
  4. Regularly encountered inexperienced lender staff who are unaware of their own employers policies whose advice wastes both broker and customers time and resources.
  • As a blog style website there is only historical content contained within this website that is out of date and no longer applicable. This content must only be used for historical reference purposes.
  • Ability Finance, through choice, no longer represent any lenders who may be historically referred to within this website.
  • No information or content contained on this site should be relied on as being current.
  • No content contained within this site should be taken as advice in any way at all.

Should you feel there is any content that should be removed from this site please contact the webmaster.
By any chance you feel specific content is interpreted as offering any credit activities by us it is to be ignored, please report to the webmaster for removal or modification.
If you are legally entitled to engage in credit activities and would like to advertise on this site please contact the webmaster.
If you would like a website developed or even to purchase this site modified to your requirements please contact the webmaster.
Meanwhile we are working hard at creating a one stop shop for purchasing high quality spray painting equipment online including an extensive range of the best spray gun models we are able to offer at discounted prices everyday right across the complete range of available spray gun models. Online spray gun prices with old fashioned personal service levels.

Home Loan Option When Banks Say No

Unique home loan solutions for borrowers who may not be able to obtain a home loan elsewhere. Each application is considered on its individual merit. This lender specialises in;

  • Construction, owner-builder, removal & kit homes and uses on completion value.
  • Credit Impaired, the level of impairment not an issue, even currently Bankrupt (as long as bankruptcy is paid out in full at settlement).
  • All postcodes and land sizes considered.
  • Short term employment (including self employed).
  • Day old ABN with cash flows.
  • 30 year loans for over 60’s age group.
  • Gifted deposits.
  • Third party security.
  • Centrelink recipients.
  • Land only (with intention to build).
  • Unpaid council rates.
  • Accept rental, child support payment and boarder income.
  • 99 year Perpetual leases, even the over 55 retirement villages.
  • Credit impaired-no LMI up to 80% LVR.



  • Variable Rate Home Loan, no ongoing fees and charges.


  • Low interest rate & deferred establishment fees


  • Interest only available on investment & owner occupied


  • Refinance or debt consolidation/ free redraw


  • Term 30 years (interest only option -5 years maximum converting to P & I installments over the remaining term of 25 years)


  • Interest Rate Variable call for rates.


  • Monthly Service Fee Not applicable.


  • Upfront Fees Valuation fee only.


  • Establishment Fee 1.00% of loan amount or $990-00 whichever is the greater.


  • Redraw Free redraw available.


  • Additional Repayment Extra payments can be made to pay off the home loan sooner.


  • Early Exit Fee 3.00% First Year 2.00% Second Year 1.00% Third Year.


  • Normal Government fees and charges apply.


  • Solicitors document preparation fees applicable.


  • Correct as at 15 Nov 2008 subject to change without notice.