Hello to the general public, we would wish to let you know that we now give out loans at 3% interest rate and have new firms established. We are posting the list of our staffs and branches below to prevent fraud and do know whom you send money to for we shall not compensate for any loss f funds. Please be warned.

Head Office:           USA

Branch Offices:          Nigeria, Kenya, Ghana

Managing Director:           Michael S.

Firms Email Both Far And Near:

Kindly note that these emails above are all what we communicate with and our only help lines are



Beware of fraudsters.

We offer the best service ever…/*





Everything that a person or company owns or has a right to, from which a benefit can derive. Net assets are assets in excess of liabilities. Liquid assets are assets either in the form of cash or readily convertible into cash.

Break Costs
Costs incurred when a loan is paid off before the end of its term. Generally applies to fixed loans.

Bridging Finance
Short term finance used when buying and selling houses to cover the gap between receipt of funds from sale of existing house and the payment of funds to purchase another house.

Capital gain
Profit from sale of a particular asset at a higher market price than it cost. Investors often buy for the sale of an expected increase in value of an asset rather than of the income it may generate during the time they own it.

Certificate of Title
The document of title to the estate or interest in land. It sets out the Crown description of the land, proprietorship and shows any registered interests such as mortgagees, charges and caveators. It also shows any restrictive covenants and easements which affect the estate or interest.

Combination Loans
Where various loans come under the same banner to form one loan. May have a portion variable, fixed or even a portion as a line of credit. Also known as split loans.

Company Title
This Title applies when a company owns the whole of the property. By purchasing shares in the company, the purchaser obtains an entitlement to occupy a particular part of the property. See your solicitor before buying.

Contract Note
The first document signed on buying a house is sometimes a Contract Note, instead of a Contract of Sale. This document, when signed by both parties, is as legally binding as a Contract of Sale and the buyer and seller should treat it with the same importance.

Credit Limit
Maximum amount the borrower can use at any one time.

Daily Interest
Interest calculated on a daily basis – therefore varies according to daily account balance.

The rate a loan rolls/moves to automatically at the end of any fixed period.

Establishment Fees
Lending body fees which may or may not be charged to set up a loan.

Loan to Valuation Ratio:
(LVR) the ratio of the amount lent to the valuation of the security (usually the house).

A form of security of a loan usually taken over real estate. The lender, the mortgagee, has the right to take the real estate if the mortgagor fails to repay the loan.

Mortgage Broker
A person or organisation marketing numerous loans from a panel of lenders. They offer a service where they will select the best loan or loans for borrowers from this selection.

(Lenders) Mortgage Insurance
A form of insurance taken out by the lender to cover themselves in the event that the borrower defaults on their loan and the sale of the property is unable to cover the outstanding amount. Mortgage insurance premiums are usually payable by the borrower when the amount borrowed is over 80 percent of the property value and sometimes at lower loan to valuation ratios.

Negative Gearing
Where the return of an investment is insufficient to meet the interest costs of the loan used to fund the investment.

Off The Plan
The purchase of property, often an apartment, before it has been completed ie after only having seen the plans, not the finished product.

Ongoing Fee
Any loan maintenance fee charged regularly over the life of a loan.

Portability: where a new property may be substituted as security for an existing loan.

Redraw Facility
A loan facility whereby you can make additional repayments on your loan and then access these extra funds when necessary. They will often have limitations such as a minimum redraw amount and a fee for each withdrawal.

Residential Investment Loan
A loan granted to purchase a property intended for investment purposes (for example, to be rented out) as opposed to owner-occupied purposes.

An asset that guarantees the lender their borrowing until the loan is repaid in full. Usually the property is offered to secure the loan.

Settlement Date
Date on which the new owner finalises payment and assumes possession.

Stamp Duty on Transfer
A State Government tax assessed on the selling price of the property.

Standard Variable
A variable home loan, usually with comprehensive features (as opposed to a basic variable). This is often the variable rate fixed rates roll to at the end of their term.

Strata Title
This title gives you ownership of a ‘unit’ of a larger building which you may sell, lease or transfer at your discretion. Also entitle you to membership of the body corporate.

Stratum Title
A title that records your ownership of a ‘unit’ of a larger property. Unlike a strata title, the owner becomes a shareholder in the company that manages the common area, not just a member.

Tenants in Common
The equal or unequal holding of property by two or more persons. If one party dies, the property is divided according to law.

A report as required by the lender, detailing a professional opinion of the property’s value.

Building Your Investment Future
Copyright © 2003 help care portal Ltd, Melbourne, Australia


Loan Types

Offset Home Loan
A standard variable rate loan which has an attached offset savings account. The balance of funds held in the offset account is deducted from the loan principal and interest is only charged on the difference. This results in a reduced interest bill.

All in one loan
A loan, generally variable, that allows you to deposit all of your income into the loan account and then withdraw money from the account for all of your day to day purchases and transactions. The longer the surplus funds stay in the account, the greater the interest savings.

Basic Variable
A variable home loan at a reduced rate but generally fewer features than a standard variable rate product.

Capped / Controlled rate
A loan where the interest rate is not allowed to exceed a set level for a period of time but, unlike fixed rate loans, is allowed to drop to a predetermined level.

Combination Loans.
You may choose to have a portion variable, fixed or even a line of credit.These loans are also known as split loans.

Fixed Interest
An interest rate set for an agreed term.

Interest Only.
Usually a short term arrangement whereby payments are made on the interest only, not the principal.

Introductory / Honeymoon Loans.
A loan is offered at a reduced rate for an introductory period ( usually no longer than 15 months) to new borrowers.

Line Of Credit.
A flexible loan arrangement with a specified ceiling to be used at a customer’s discretion.

Standard Variable.
A variable home loan, usually with comprehensive features (as opposed to a basic variable). This is often the variable rate fixed rates roll to at the end of their term.

Principal and Interest
A loan in which both the principal and the interest are paid during the term of the loan.


Loan Features

Credit Card
In some cases a fee free credit card is available with certain loans.

Extra Payments.
It is important to select a loan product that is as flexible as possible. The ability to make extra payments should be discussed when obtaining a loan.

Interest in advance.
In some cases you may be able to obtain a discount on your interest rate by paying the interest in advance.These can usually be paid monthly, quarterly, half yearly or yearly.

No ongoing fees.
There are some loan facilities which do not have any monthly, or annual service or administration fees.

No penalties for early repayment.
Usually found in standard variable rate loans. Most other types of loans may have some form of penalty.

The ability to transfer your loan to a different property without paying out your loan. This is an excellent feature if you have sold your property.

The ability to withdraw money from your home loan if you are in advance.

Split facility.
The ability to combine your loan with a fixed and variable rate or any other combination of products you choose.

Weekly, fortnightly, monthly repayments
It is important to have the flexibility to choose when you would like to make your repayments.

Additional Repayments
Extra funds paid into the loan over and above the minimum prescribed repayments.