Contact Details - About Us - Other Services - Testimonials
Postal Address:
Integrity-Innovative Loan Solutions
GPO Box 1809,
Hobart, TAS 7001
Telephone : 1800 300 900
Fax: (03) 6223 2203
Email : info@integrityloans.com.au
Please feel free to give us a call to discuss a suitable loan option for you, or to arrange an appointment. Alternatively, use our Online Enquiry Form to contact us regarding specific questions or information required or to request an appointment.
At Integrity-Innovative Loan Solutions, we look forward to helping tailor a loan to suit your needs, whilst maintaining a high level of service and integrity. Our aim is the provision of a competent, professional and efficient customer service which is delivered with integrity to clients.
Integrity-Innovative Loan Solutions was established by Robert Knight over five years ago, in July 2002. Robert has owned a successful property development business and rental properties in Tasmania, so has local knowledge, as well as being well attuned to the needs of small business and property investors.
Integrity-Innovative Loan Solutions aggregates through Choice Aggregation Services, which along with direct accreditations provides you with access to a panel of over forty lenders. A large panel of lenders helps us find a loan which will suit your situation and needs. Some of the lenders we have access to include major banks such as ANZ, CBA, NAB and Westpac, as well as other major lending institutions including ING Bank, Maxis and AMP Banking.
Integrity-Innovative Loan Solutions has been a Full Member of the MFAA (Mortgage & Finance Association of Australia) for 5 years, and is a Full Member of the Credit Ombudsman Service Limited (COSL).
To ensure complete transparency in our transactions with clients we have voluntarily adopted the use of the Finance Broking Contract in all states. The Finance Broking Agreement or Contract, (FBC) has to be signed in NSW and Victoria between the broker and the borrower before the broker can approach the lender on their behalf. The FBC ensures brokers fully disclose to the client, all details of the loan transaction, including any monetary or non-monetary benefits they receive.
At Integrity-Innovative Loan Solutions, we do not charge for our initial consultation. We are paid directly by the Lender for our time and effort, and for introducing the business to them.
The company principal, Robert Knight has formal qualifications in Business (Accounting), Applied Science (Building & Architectural Practice) and Mortgage Lending, as well as having completed Certificate IV in Financial Services (Finance/ Mortgage Broking.) Robert has over 30 years experience in the finance and property industries, and in the past has held senior management roles at major financial institutions.
Recently, we have expanded the range of services available to our clients. On top of the existing home, investment, commercial and car loan services, personal loans, home insurance and life insurance protection are now also available from Integrity-Innovative Loan Solutions.
At Integrity-Innovative Loan solutions we make the loan process as easy and painless as possible. Our Accredited Mortgage Consultants have the flexibility of visiting for consultations at work or home, when it suits you. We acknowledge that different loans suit different people, so we save you time by researching which loan is is suitable for you, after identifying your needs. We also complete the majority of paperwork which for you means less stress.
Throughout the loan approval process, we keep you updated on the status of your loan, and are always available if you are unsure of anything, or just have a query. The consultants at Integrity-Innovative Loan Solutions do not have any obligation to certain lenders. We do not favour one lender over another; we choose the lender and loan product which best suits your needs.
Whether you are looking at refinancing, are a first home buyer, or are in the market for a home or investment property, we can help find the right loan for you.
Please contact us to discuss your loan options or to arrange an appointment. Alternatively, fill out and submit our online enquiry form, and we will contact you at your preferred time by your designated contact method.
Personal Loans
At Integrity-Innovative Loan Solutions, we have recently added new lenders to our panel, and as a result are able to offer personal loans. These loans are provided at highly competitive interest rates and can be used for purposes such as the purchase of cars, boats and caravans or for projects such as debt consolidation and renovations.
Integrity-Innovative Loan Solutions is now also able to offer insurance to our home loan customers on top of our existing loan services.
Home Insurance
Home Insurance is available from Integrity-Innovative Loan Solutions through CGU Insurance for our home loan customers. CGU Home Insurance policies offer discounts for over 50’s, new-for-old replacement cover, up to 90 days free cover, covering up to settlement, and the option to pay your premium monthly at no extra cost.
Life Insurance
Integrity-Innovative Loan Solutions also has life insurance protection available for application at the time of applying for a loan or loan increase, or for up to 12 months after. This service is offered through Tower and Australian Life Insurance. The two life insurance options available are Loan Cover and Loan Cover Plus. In the event of death by accident, Loan Cover pays a lump sum of money that can be used to clear or reduce your loan, or for any other purpose.
In the event of death by accident or illness, or diagnosis of a terminal illness or any one of eleven serious medical conditions (including Paralysis, Alzheimer’s Disease- Dementia and Kidney failure*), Loan Cover Plus pays a lump sum of money. Once again, this can be used to help clear or reduce your loan, or for another purpose.
Loan Cover and Loan Cover Plus offer a 5% discount on premiums for joint borrowers who take out Loan Cover or Loan Cover Plus, as well as the first 3 months of cover free of charge. You are also able to cancel your insurance anytime, including during the first three months without penalties*.
Deposit Power
Having trouble saving enough cash for a deposit? Deposit Power is a deposit bond, or guarantee which is issued to the vendor by Vero Insurance Limited. This guarantee is used as a substitute for the cash deposit between signing a contract and settlement of the property. At settlement the purchaser pays the full purchase price plus the deposit.
You do not pay any interest on your Deposit Power Guarantee like you would on conventional short term finance, all it involves is a single fee. Deposit Power Guarantees are great for auctions. Prior to the auction the Guarantee is issued needs to be accepted by the vendor. If this is the case, the property and vendor's particulars are left blank on the Guarantee and are filled in if they are the successful bidders.
So if your money is tied up in other investments (shares, property etc.) perhaps a deposit bond would be a good option.
Please talk to us if you are having trouble saving for a deposit, as this may be an option to look at.
Feel free to contact us at Integrity-Innovative Loan Solutions for more information about these services we offer.
*Please read the Product Disclosure Statement for full details and conditions.
Below are just a few testimonials written by happy and satisfied clients of Integrity-Innovative Loan Solutions.
| I wish to state that I have found Robert Knight of Integrity-Innovative Loan Solutions to be always courteous and prompt in my dealings with him. I have used Integrity-Innovative Loan Solutions (Robert Knight’s Services) over a long period as I am a property investor and need someone who understands the need for the right loan structure… A poor loan structure can be crippling if one is unable to access the equity. An investment savvy mortgage broker is the key.
Cherie Podmore, Interstate. |
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I have sought financial advice and received assistance obtaining finance through Integrity-Innovative Loan Solutions several times during the past five years.Robert Knight has on every occasion been most helpful, knowledgeable and professional, while also keeping the process as simple as possible.
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Integrity-Innovative Loan Solutions / Robert came recommended by a friend of mine in Tasmania. He assisted me in financing a somewhat complex transaction here in Melbourne. His personal service was second to none, even flying interstate to meet my wife and I on a Sunday. The rate he obtained was better than I could obtain elsewhere and the structure most effective for tax. Even if he was not absolutely the lowest rate on offer, which I suspect is unlikely to be the case, I recommend his integrity and service.
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