Collins Securities

Collins Securities have been in the business of lending money since they were founded in 1992. The money they lend to home buyers and other borrowers is sourced in exactly the same way as banks source their funds. The major difference between Collins Securities and other lenders is that they have put together much more competitive and flexible products. They have been able to do this because they don’t have the expense of paying for a large branch network and they are not held down by overpriced marketing budgets like the major banks.

Extensive Product Range

The Collins Securities product range is now regarded as being second-to-none other in the home loan business. It offers clients the same access to all its retail functions as do the banks but at a fraction of the cost. They offer debit and credit cards, cheque books, online account management facilities as well as offset savings accounts, all attached to your home loan. Collins Securities have found they are able to offer these additional features at little or no additional cost to the home buyer. This is what sets them apart from other lenders more than anything else.

Home Loan	Details	Interest Rate (p.a.)	Comp Rate^ (p.a.)	App Fee / Ongoing Fee	Max LVR	Min & Max Borrowing
Collins Fixed Rate Home Loan – 1 Year Fixed Rate	Collins Securities 1 year Fixed Rate	6.84%	6.93%	$600 / $275	95%	$10,000 / $1,000,000
Collins Fixed Rate Home Loan – 3 Year Fixed Rate	Collins Securities 3 Year Fixed Rate	6.64%	6.73%	$600 / $0	95%	$50,000 / $2,000,000
Collins Fixed Rate Home Loan – 5 Year Fixed Rate	Collins Securities 5 Year Fixed Rate	7.14%	7.23%	$600 / $0	95%	$10,000 / $2,000,000
Collins Securities Balanced Line of Credit	Collins Securities Balanced Line of Credit	7.09%	7.30%	$600 / $150	95%	$20,000 / $2,000,000
Collins Securities First Home Buyer Low Deposit	Collins Securities First Home Buyer Low Deposit	7.71%	7.77%	$600 / $0	95%	$50,000 / $750,000
Collins Securities Low Doc Standard	Collins Securities Low Doc Standard	7.55%	7.61%	$600 / $0	80%	$30,000 / $1,000,000
Collins Securities Specialist Variable	Collins Securities Specialist Variable	8.85%	8.99%	$600 / $0	90%	$50,000 / $1,000,000
Collins Securities Specialist Variable Low Doc	Collins Securities Specialist Variable Low Doc	9.20%	9.34%	$600 / $0	85%	$50,000 / $1,500,000
Collins Securities Variable 100 percent Offset	Collins Securities Variable 100 percent Offset	6.99%	7.08%	$600 / $0	95%	$10,000 / $1,500,000
Collins Securities Variable Home Loan	Collins Securities Variable Home Loan	6.47%	6.82%	$600 / $345	95%	$150,000 / $1,000,000

Banking Deregulation Made Way for Collins Securities to Enter the Market

Collins Securities found they could enter the Australian home loan market following the deregulation of the banking industry in 1992. This Australian Government decision paved the way for Collins Securities to successfully challenge the way the major banks of the day were doing business. They did this by improving competitiveness and offering a comprehensive range of loan products. For instance; your loan application is assessed by Collins Securities with the aid of a flexible lending criteria. This means they pay personal attention to your very own requirements by discussing these needs with you on a one-on-one basis. This enables them to come up with a home loan especially designed for your specific circumstances. As a result they have become one of Australia largest and oldest non-bank lenders. They are now providing home loans to home buyers throughout Australia and have helped thousands of Australians come to an educated decision as to what they require as far as a home loan product is concerned.

Collins Securities is 100% Australian Owned

Collins Securities is 100 percent Australian owned and they run their business Australia wide through a dedicated team of managers, known as relationship managers, as this title better describes the way they do business with their clients. Money raised to loan out to customers is raised in the same way as banks. This is achieved through a mix of mortgage backed loan programs and AAA rated mortgage bonds. This approach ensures your interest rate remains stable, as well as your home loan features, throughout the entire term of your loan. Since its founding Collins Securities has acquired quite a few strategic mortgage businesses that has facilitated it expanding its own operations. This has enabled it to provide improved service to its clients as well as be able to increase its range of quality loan products.

No More Waiting in a Queue

Collins Securities give a fresh approach to home loan management. This is achieved by giving all clients their very own Collins Securities Portfolio Manager. Email addresses and direct phone numbers are a part of this portfolio and it ensures you won’t be kept waiting in a queue on the end of a line for what often seems like hours. You will speak directly to someone who knows and understands your very own personal situation. The Collins Securities internet management option is one of the best in the business. It is very easy to find your way around and you can access it 24 hours a day seven days a week. This ensures that you can manage your own home loan whenever you have the time available.

On top of all this Collins Securities qualified lending consultants are more than happy to meet with you face to face on any day of the week, either at your home or your workplace. They are all fully conversant with the home loan process and can assist you by answering any questions you might wish to put to them. Collins Securities staff can take all the complication and mis-understanding out of applying for a home loan. They will give you easy access to everything you need to know, an innovation that goes a long way towards you being able to make an informed decision on such things as; how much you are able to borrow? Which mortgage package is the right one for you? They will even help you apply for the first Home Owners Grant if you are a first home buyer.

From July 1, 2010, ASIC tightened the criteria that governed the way lenders did business with their borrowers. They did this by tightening the scrutiny lenders had to apply to their potential borrowers. Collins Securities believe this has been a good move as it means clients are even more protected and their ability to repay their home loan is even better assessed now that they were before.

Related Resources

• Collins Securities 1 year Fixed Rate
• Collins Securities 3 Year Fixed Rate
• Collins Securities 5 Year Fixed Rate
• Collins Securities Balanced Line of Credit
• Collins Securities First Home Buyer Low Deposit
• Collins Securities Low Doc 70
• Collins Securities Low Doc Refinance 80
• Collins Securities Low Doc Standard
• Collins Securities Low Doc Variable
• Collins Securities Specialist Variable
• Collins Securities Specialist Variable Low Doc
• Collins Securities Variable 100 percent Offset
• Collins Securities Variable Home Loan