Start with your budget
Consider how much you need and a repayment amount that fits alongside your living costs and existing commitments.
Personal Loans
Your plans.
A clearer way forward.
A home refresh, a planned purchase or a fresh look at your borrowing. Start with your goals and a repayment plan you can understand.
Personal LoansMake space for the plans that matter.
- Home improvements
- Planned purchases
- Loan review
- Debt consolidation
Make an informed move
A personal loan.
A considered decision.
Talk through the purpose, the numbers and the commitments before choosing a loan.
Talk it through with AnsarRead the Moneysmart guide to personal loansCompare the full cost
Review the interest rate, comparison rate, fees and total repayments. Check the assumptions behind any comparison rate.
Understand the security
A secured loan puts an asset at risk if you cannot repay. An unsecured loan still creates a debt you must repay.
Choose the term carefully
A longer term may lower regular repayments while increasing total interest. Check extra-payment and early-exit conditions.
The GEMS approach
Complexity,
meet clarity.
One considered process.
A person beside you at every stage.
GEMS
Your goals.
Our starting point.
- 01THE CONVERSATION
Understand
Your goals, circumstances and priorities come first.
We start with a conversation and a clear picture of your finances.
- 02THE PLAN
Structure
Consider the options and understand the trade-offs.
We discuss suitable pathways, loan features, costs and requirements.
- 03THE APPLICATION
Apply
Move forward with organised documents and support.
We help prepare the application and coordinate with the lender.
- 04THE NEXT CHAPTER
Settle
Stay informed through the steps that bring it together.
We remain involved as the lender and other parties work towards settlement.
A little more clarity
