Services
At Sapienza Finance, we arrange many different types of loans. Some of the more common types that we arrange are explained further below.
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Housing Loans
If you are buying a home, whether it is your first or you are moving, then we can find you a loan to suit your needs. There are many different lenders and many different products and variations. We will explain all the options to help you choose the best product to suit your circumstances.
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Residential Investment Loans
For those who wish to purchase a residential property as an investment, i.e. for rental income purposes,
many finance packages are available to suit your income stream, with flexible repayment options of
principal and interest or interest only. We can structure a package that fully utilises your existing equity.
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Commercial Loans
A number of commercial loan packages are available from various financiers.
We will structure a package to suit your purpose.
Commercial loans can be structured using residential property for your benefit.
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Business Loans
Whether it is to purchase an existing business as a “going concern” or to set up a new business, we can structure a loan to suit your cash flow and business needs.
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Motor Vehicle Finance
For private or business use, we can structure a motor vehicle loan for you. We
will explain the differences between a car loan, hire purchase, lease and chattel mortgage
and help you pick the one that suits you best. Payments can be structured flexibly, with
or without balloon or residual payments, to ensure that the repayments suit your
individual or your business’ cash flow.
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Equipment Finance
Most businesses need equipment and / or machinery to function and your business is probably no exception.
We can arrange loans to help you purchase most types of equipment and machinery. Some of the
many assets we have arranged finance for in the past include trucks, industrial printers, catering equipment
and earth moving machines.
More Than Arranging Loans
We do more than just help you arrange loans. We appreciate that dealing
with the banks can be a bit daunting, especially when you may be asked to talk to someone in a call
centre. If you are lucky enough to find someone helpful at your local branch, the chances are that they will not
be there in six months' time.
That's why, at Sapienza Finance, we are happy to help you with other queries over the life of the loan. We can help you with many different aspects of looking after your loan including changing your direct debit payments, discharging or releasing a security property, obtaining a payout quote and helping you set up an offset account. We will also call you from time to time, just to see if you are still happy with your loan.