“Who can get me the best interest rate?”
That is the age-old question borrowers always ask themselves. And of course, the interest rate is a critical factor to consider. While WLTH can compete with the best of them when it comes to interest rates, we thought we’d share intangible factors that make us special.
Specialists in niche lending
Big bank lenders don’t always offer loan products for every type of customer. Their loan volumes are so high that they can decide to prioritise home or investment loans as their main offering.
On the flipside, our customers at WLTH have access to highly competitive niche products such as SMSF and NDIS finance that are not always available with all lenders. SMSF loans in particular is a service that we’ve become known for in the industry. Under our Rapid Refinance product, we simply require basic information to approve and settle within days not months.
Award-winning service
As a smaller, non-bank lender, WLTH benefits from being able to spend more time with our customers and provide a more caring service. Being a 5-star reviewed lender, our customer testimonials speak for themselves as we put the client’s well being at the core of our processes, services and tech-builds. We were even awarded the winner of the WeMoney Outstanding Customer Service award for 2023.
Offset account with debit card
Access to an offset account is a prime loan feature that can majorly impact how much borrowers pay in interest rates over the course of their loan. Most of our loan products at WLTH have an offset account included, plus a mortgage offset-linked WLTH Debit Card made with Parley Ocean Plastic.
Other lenders usually require customers to pay extra for this feature, whether it be through an upfront cost, yearly subscription or baked into a higher interest rate. At WLTH, we believe that many borrowers could benefit greatly from this loan feature and provide it at no additional cost to our customers.
Impact lender
WLTH is Australia’s first Impact Lender, but hopefully we are not the last. Impact Lending is when a mortgage lender prioritises purpose over profit and aims to create a positive impact towards social and environmental outcomes without added cost to the borrower.
At WLTH, we have a deep affinity with the oceans and aim to protect them and the ecosystems they sustain by intercepting marine plastic pollution. We conduct beach and coastline cleanups through purposeful partnerships with world-class organisations in Parley for the Oceans and the Australian SailGP Team to make a meaningful difference to our cause.
We pledge to clean up 50m² of Australian beach and coastline for every loan settled with WLTH.
Any advice provided is general in nature and should be considered in line with your financial situation, needs and objectives.
