When you partner with Xpectrum, you are directly leveraging
this quarter-century of expertise to secure your financial
future with absolute confidence.
WHO ARE WE
We can source the best solutions for your loan
requirement from a diverse group of lenders
tailored to your specific needs
WHO ARE WE
We can source the best solutions for your loan
requirement from a diverse group of lenders
tailored to your specific needs
We excel at structuring sophisticated
loans that other financial firms spend
too much time handling
We search the entire major
banks, non-banks, and specialist
funds to find your best deal.
We apply deep sector knowledge to
structure finance that addresses
unique challenges
Director,
Punnaka De Zoysa
Director,
Punnaka De Zoysa
WHY CHOOSE XPECTRUM
This guarantees depth of experience, complex problem-
solving capability, and dedicated bandwidth, transforming
your finance journey into an executive-level partnership
focused entirely on achieving your success.
Frequently asked questions
Fixed rates stay the same for a set period, giving stability, while variable rates can go up or down with market changes, offering more flexibility.
Typically, 5–20% of the property’s purchase price. Some lenders allow low-deposit loans or use of a guarantor.
LMI is insurance that protects the lender if you default on your loan. It’s usually charged when your deposit is under 20%.
Pre-approval can take 1–3 days. Full approval and settlement can take 2–6 weeks, depending on the lender and your documentation.
Frequently asked questions
Fixed rates stay the same for a set period, giving stability, while variable rates can go up or down with market changes, offering more flexibility.
Typically, 5–20% of the property’s purchase price. Some lenders allow low-deposit loans or use of a guarantor.
LMI is insurance that protects the lender if you default on your loan. It’s usually charged when your deposit is under 20%.
Pre-approval can take 1–3 days. Full approval and settlement can take 2–6 weeks, depending on the lender and your documentation.