{"id":8462,"date":"2023-07-01T12:29:07","date_gmt":"2023-07-01T12:29:07","guid":{"rendered":"https:\/\/thegenius.co\/wp\/sinace\/live\/?page_id=8462"},"modified":"2023-10-02T12:34:09","modified_gmt":"2023-10-02T12:34:09","slug":"faq","status":"publish","type":"page","link":"https:\/\/dev.toplendersaustralia.com.au\/wordpress\/faq\/","title":{"rendered":"FAQ"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"8462\" class=\"elementor elementor-8462\">\n\t\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-40c5acf elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"40c5acf\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-cbf2c78\" data-id=\"cbf2c78\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-eb8d67b elementor-widget elementor-widget-sinace_title\" data-id=\"eb8d67b\" data-element_type=\"widget\" data-widget_type=\"sinace_title.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\r\n          \r\n\r\n            \r\n            \t<div class= \"section-title_\"><span class=\"section-title__tagline\"><\/span><\/div>\r\n\r\n          \r\n          \r\n            <h2 class=\"section-title__title\">How can We Help?<\/h2>\r\n\r\n              \r\n             \r\n           \r\n   \t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-8afe2f6 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8afe2f6\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4c976b0\" data-id=\"4c976b0\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-fb9ef38 elementor-widget elementor-widget-sinace_project\" data-id=\"fb9ef38\" data-element_type=\"widget\" data-widget_type=\"sinace_project.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t                         <!--Project Two Start-->\r\n                <div class=\"project-two\">\r\n                    <div class=\"container\">\r\n                        <div class=\"project-two__inner\">\r\n                            <div class=\"project-two__bg\" style=\"background-image: url();\">\r\n                            <\/div>\r\n                            <div class=\"row\">\r\n                                <div class=\"col-xl-5\">\r\n                                    <div class=\"project-two__left\">\r\n                                        <div class=\"section-title text-left\">\r\n                                        <div class=\"section-title__tagline-box\">\r\n                                            <span class=\"section-title__tagline\"><\/span>\r\n                                        <\/div>\r\n                                        <h2 class=\"section-title__title\">Get to know about us<\/h2>\r\n                                    <\/div>\r\n                                    <p class=\"project-two__text\">We specialize in providing top-notch tailored solutions with a commitment to transparency and client education. Our priority is to make both existing and new clients feel valued, with client retention at the forefront of our goals.<\/p>\r\n                                    <div class=\"project-two__completed-box\">\r\n                                        <div class=\"project-two__completed-icon\">\r\n                                        <span><i aria-hidden=\"true\" class=\"fas fa-home\"><\/i><\/span>\r\n                                        <\/div>\r\n                                         <div class=\"project-two__completed-content\">\r\n                                        <div class=\"project-two__count count-box\">\r\n                                        <h3 class=\"count-text\" data-stop=\"\" data-speed=\"1500\">00<\/h3>\r\n                                        <\/div>\r\n                                        <p><\/p>\r\n                                        <\/div>\r\n                                        <\/div>\r\n                                        <\/div>\r\n                                <\/div>\r\n                                <div class=\"col-xl-7\">\r\n                                    <div class=\"project-two__right\">\r\n                                        <div class=\"project-two__carousel owl-carousel owl-theme thm-owl__carousel\">\r\n                                                                                    <!--Project Two Single Start-->\r\n                                            <div class=\"item\">\r\n                                                <div class=\"project-two__single\">\r\n                                                    <div class=\"project-two__img-box\">\r\n                                                        <div class=\"project-two__img\">\r\n                                                            <img decoding=\"async\" src=\"https:\/\/dev.toplendersaustralia.com.au\/wordpress\/wp-content\/uploads\/2023\/06\/Untitled-design-3.png\" alt=\"\">\r\n                                                        <\/div>\r\n                                                                                                            <\/div>\r\n                                                    <div class=\"project-two__title-box\">\r\n                                                        <h3 class=\"project-two__title\"><a href=\"https:\/\/dev.toplendersaustralia.com.au\/wordpress\/portfolio\/residential-mortgages-debt-consolidation\/\">Residential mortgages and debt consolidation<\/a><\/h3>\r\n                                                    <\/div>\r\n                                                <\/div>\r\n                                            <\/div>\r\n                                            <!--Project Two Single Start-->\r\n                                                                                        <!--Project Two Single Start-->\r\n                                            <div class=\"item\">\r\n                                                <div class=\"project-two__single\">\r\n                                                    <div class=\"project-two__img-box\">\r\n                                                        <div class=\"project-two__img\">\r\n                                                            <img decoding=\"async\" src=\"https:\/\/dev.toplendersaustralia.com.au\/wordpress\/wp-content\/uploads\/2023\/05\/Untitled-design-7.png\" alt=\"\">\r\n                                                        <\/div>\r\n                                                                                                            <\/div>\r\n                                                    <div class=\"project-two__title-box\">\r\n                                                        <h3 class=\"project-two__title\"><a href=\"https:\/\/dev.toplendersaustralia.com.au\/wordpress\/portfolio\/business-lending-edited\/\">Commercial &#038; Business Lending<\/a><\/h3>\r\n                                                    <\/div>\r\n                                                <\/div>\r\n                                            <\/div>\r\n                                            <!--Project Two Single Start-->\r\n                                                                                        <!--Project Two Single Start-->\r\n                                            <div class=\"item\">\r\n                                                <div class=\"project-two__single\">\r\n                                                    <div class=\"project-two__img-box\">\r\n                                                        <div class=\"project-two__img\">\r\n                                                            <img decoding=\"async\" src=\"https:\/\/dev.toplendersaustralia.com.au\/wordpress\/wp-content\/uploads\/2023\/06\/Untitled-design-9.png\" alt=\"\">\r\n                                                        <\/div>\r\n                                                                                                            <\/div>\r\n                                                    <div class=\"project-two__title-box\">\r\n                                                        <h3 class=\"project-two__title\"><a href=\"https:\/\/dev.toplendersaustralia.com.au\/wordpress\/portfolio\/specialist-services-to-medical-and-legal-professionals\/\">Specialist services to Medical and Legal professionals<\/a><\/h3>\r\n                                                    <\/div>\r\n                                                <\/div>\r\n                                            <\/div>\r\n                                            <!--Project Two Single Start-->\r\n                                                                                        <!--Project Two Single Start-->\r\n                                            <div class=\"item\">\r\n                                                <div class=\"project-two__single\">\r\n                                                    <div class=\"project-two__img-box\">\r\n                                                        <div class=\"project-two__img\">\r\n                                                            <img decoding=\"async\" src=\"https:\/\/dev.toplendersaustralia.com.au\/wordpress\/wp-content\/uploads\/2023\/05\/Untitled-design-10.png\" alt=\"\">\r\n                                                        <\/div>\r\n                                                                                                            <\/div>\r\n                                                    <div class=\"project-two__title-box\">\r\n                                                        <h3 class=\"project-two__title\"><a href=\"https:\/\/dev.toplendersaustralia.com.au\/wordpress\/portfolio\/commercial-developments-and-lending-to-complex-entities\/\">Commercial developments and lending to complex entities<\/a><\/h3>\r\n                                                    <\/div>\r\n                                                <\/div>\r\n                                            <\/div>\r\n                                            <!--Project Two Single Start-->\r\n                                                                                        <!--Project Two Single Start-->\r\n                                            <div class=\"item\">\r\n                                                <div class=\"project-two__single\">\r\n                                                    <div class=\"project-two__img-box\">\r\n                                                        <div class=\"project-two__img\">\r\n                                                            <img decoding=\"async\" src=\"https:\/\/dev.toplendersaustralia.com.au\/wordpress\/wp-content\/uploads\/2023\/09\/Untitled-design-8.png\" alt=\"\">\r\n                                                        <\/div>\r\n                                                                                                            <\/div>\r\n                                                    <div class=\"project-two__title-box\">\r\n                                                        <h3 class=\"project-two__title\"><a href=\"https:\/\/dev.toplendersaustralia.com.au\/wordpress\/portfolio\/lending-to-smsf\/\">Lending to SMSF<\/a><\/h3>\r\n                                                    <\/div>\r\n                                                <\/div>\r\n                                            <\/div>\r\n                                            <!--Project Two Single Start-->\r\n                                                                                        <!--Project Two Single Start-->\r\n                                            <div class=\"item\">\r\n                                                <div class=\"project-two__single\">\r\n                                                    <div class=\"project-two__img-box\">\r\n                                                        <div class=\"project-two__img\">\r\n                                                            <img decoding=\"async\" src=\"https:\/\/dev.toplendersaustralia.com.au\/wordpress\/wp-content\/uploads\/2023\/05\/Untitled-design-11.png\" alt=\"\">\r\n                                                        <\/div>\r\n                                                                                                            <\/div>\r\n                                                    <div class=\"project-two__title-box\">\r\n                                                        <h3 class=\"project-two__title\"><a href=\"https:\/\/dev.toplendersaustralia.com.au\/wordpress\/portfolio\/asset-finance\/\">Asset finance<\/a><\/h3>\r\n                                                    <\/div>\r\n                                                <\/div>\r\n                                            <\/div>\r\n                                            <!--Project Two Single Start-->\r\n                                                                                        <!--Project Two Single Start-->\r\n                                            <div class=\"item\">\r\n                                                <div class=\"project-two__single\">\r\n                                                    <div class=\"project-two__img-box\">\r\n                                                        <div class=\"project-two__img\">\r\n                                                            <img decoding=\"async\" src=\"https:\/\/dev.toplendersaustralia.com.au\/wordpress\/wp-content\/uploads\/2023\/05\/Untitled-design-5.png\" alt=\"\">\r\n                                                        <\/div>\r\n                                                                                                            <\/div>\r\n                                                    <div class=\"project-two__title-box\">\r\n                                                        <h3 class=\"project-two__title\"><a href=\"https:\/\/dev.toplendersaustralia.com.au\/wordpress\/portfolio\/private-lending-edited\/\">Private lending<\/a><\/h3>\r\n                                                    <\/div>\r\n                                                <\/div>\r\n                                            <\/div>\r\n                                            <!--Project Two Single Start-->\r\n                                                                                <\/div>\r\n                                <\/div>\r\n                            <\/div>\r\n                        <\/div>\r\n                    <\/div>\r\n                <\/div>\r\n        <\/div>\r\n        <!--Project Two End-->\r\n              <script>\r\n    jQuery(function($) {\r\n        $ = jQuery;   \r\n                          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elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d36286e elementor-widget elementor-widget-text-editor\" data-id=\"d36286e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.16.0 - 20-09-2023 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-81679ec elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"81679ec\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4408651\" data-id=\"4408651\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-90e60ad elementor-widget elementor-widget-sinace_accordian\" data-id=\"90e60ad\" data-element_type=\"widget\" data-widget_type=\"sinace_accordian.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t               <div class=\"row\">\r\n            \t                    <div class=\"col-xl-12\">\r\n\t                        <div class=\"faq-page__single\">\r\n\t                            <div class=\"accrodion-grp faq-one-accrodion\" data-grp-name=\"faq-one-accrodion-1\"> \r\n\t                                <div class=\"accrodion  \">\r\n\t                                    <div class=\"accrodion-title\">\r\n\t                                        <h4>What is LVR and LMI?<\/h4>\r\n\t                                    <\/div>\r\n\t                                    <div class=\"accrodion-content\">\r\n\t                                        <div class=\"inner\">\r\n\t                                            <p>Loan to value ratio (LVR) is a measure used by lenders to assess your loan&#8217;s risk as a percentage. 80% is generally considered safe and anything higher is subject to LMI. Lenders Mortgage Insurance is a fee payable by the borrower when borrowing more than 80% of the fair market value of the property.<\/p>\n\t                                            \r\n\t                                        <\/div><!-- \/.inner -->\r\n\t                                    <\/div>\r\n\t                                <\/div>\r\n\t                            <\/div>\r\n\t                        <\/div>\r\n\t                    <\/div>\r\n                    \t                    <div class=\"col-xl-12\">\r\n\t                        <div class=\"faq-page__single\">\r\n\t                            <div class=\"accrodion-grp faq-one-accrodion\" data-grp-name=\"faq-one-accrodion-1\"> \r\n\t                                <div class=\"accrodion active \">\r\n\t                                    <div class=\"accrodion-title\">\r\n\t                                        <h4>What is the difference between fixed and variable rates?<\/h4>\r\n\t                                    <\/div>\r\n\t                                    <div class=\"accrodion-content\">\r\n\t                                        <div class=\"inner\">\r\n\t                                            <p>Variable rate is a floating rate offered by banks which is subject to market conditions which could change anytime without notice. It in return gives great flexibility. I.e. to pay extra into the loan uncapped, pay off a loan in full, link an offset account, etc. A fixed rate is offered for a specific term, not subject to change once in effect. It gives certainty but has caps if you wish to pay extra into the loan without paying any penalties.<\/p>\n\t                                            \r\n\t                                        <\/div><!-- \/.inner -->\r\n\t                                    <\/div>\r\n\t                                <\/div>\r\n\t                            <\/div>\r\n\t                        <\/div>\r\n\t                    <\/div>\r\n                    \t                    <div class=\"col-xl-12\">\r\n\t                        <div class=\"faq-page__single\">\r\n\t                            <div class=\"accrodion-grp faq-one-accrodion\" data-grp-name=\"faq-one-accrodion-1\"> \r\n\t                                <div class=\"accrodion  \">\r\n\t                                    <div class=\"accrodion-title\">\r\n\t                                        <h4>What is a lock rate or rate lock<\/h4>\r\n\t                                    <\/div>\r\n\t                                    <div class=\"accrodion-content\">\r\n\t                                        <div class=\"inner\">\r\n\t                                            <p>Rate Lock is\u00a0an option provided by\u00a0banks\u00a0to help customers secure their fixed home loan interest rate for a period outlined by the respective bank during their home lending application by paying a Rate Lock fee. Rate Lock provides customers the added certainty of knowing what the fixed interest rate will be at loan drawdown. If the rate falls below what&#8217;s locked currently, the lower<br \/>\ninterest rate is applicable.<\/p>\n\t                                            \r\n\t                                        <\/div><!-- \/.inner -->\r\n\t                                    <\/div>\r\n\t                                <\/div>\r\n\t                            <\/div>\r\n\t                        <\/div>\r\n\t                    <\/div>\r\n                    \t                    <div class=\"col-xl-12\">\r\n\t                        <div class=\"faq-page__single\">\r\n\t                            <div class=\"accrodion-grp faq-one-accrodion\" data-grp-name=\"faq-one-accrodion-1\"> \r\n\t                                <div class=\"accrodion  \">\r\n\t                                    <div class=\"accrodion-title\">\r\n\t                                        <h4>What&#8217;s the difference between a commercial property and a residential investment property?<\/h4>\r\n\t                                    <\/div>\r\n\t                                    <div class=\"accrodion-content\">\r\n\t                                        <div class=\"inner\">\r\n\t                                            <p>The most obvious difference between residential property and commercial property is\u00a0the way in which it&#8217;s used. Residential real estate is leased to tenants who use the property as their home. Commercial real estate is leased to a business, which then uses it to conduct its business.<\/p>\n\t                                            \r\n\t                                        <\/div><!-- \/.inner -->\r\n\t                                    <\/div>\r\n\t                                <\/div>\r\n\t                            <\/div>\r\n\t                        <\/div>\r\n\t                    <\/div>\r\n                    \t                    <div class=\"col-xl-12\">\r\n\t                        <div class=\"faq-page__single\">\r\n\t                            <div class=\"accrodion-grp faq-one-accrodion\" data-grp-name=\"faq-one-accrodion-1\"> \r\n\t                                <div class=\"accrodion  \">\r\n\t                                    <div class=\"accrodion-title\">\r\n\t                                        <h4>What are the fees applicable when buying a property?<\/h4>\r\n\t                                    <\/div>\r\n\t                                    <div class=\"accrodion-content\">\r\n\t                                        <div class=\"inner\">\r\n\t                                            <p>If you are buying a residential property, you may be subject to costs such as stamp duty, other government\/transfer fees, legal and conveyancing fees, bank\/inspection fees, insurance, and supply charges, etc. These fees could indicatively range from 5.5-8% of the purchase price.<br \/>\nWhen buying a commercial property, you may be due for cots such as stamp duty, GST, valuation costs, legal\/conveyancing fees, government and bank charges, etc.<\/p>\n\t                                            \r\n\t                                        <\/div><!-- \/.inner -->\r\n\t                                    <\/div>\r\n\t                                <\/div>\r\n\t                            <\/div>\r\n\t                        <\/div>\r\n\t                    <\/div>\r\n                            <\/div>\r\n        <script>\t\t\t    \r\n\t\t\t  \/\/ Accrodion\r\n        \t\tjQuery(function($) {\r\n\t\t   $ = jQuery;\r\n\t\t\t  if ($(\".accrodion-grp\").length) {\r\n\t\t\t    var accrodionGrp = $(\".accrodion-grp\");\r\n\t\t\t    accrodionGrp.each(function () {\r\n\t\t\t      var accrodionName = $(this).data(\"grp-name\");\r\n\t\t\t      var Self = $(this);\r\n\t\t\t      var accordion = Self.find(\".accrodion\");\r\n\t\t\t      Self.addClass(accrodionName);\r\n\t\t\t      Self.find(\".accrodion .accrodion-content\").hide();\r\n\t\t\t      Self.find(\".accrodion.active\").find(\".accrodion-content\").show();\r\n\t\t\t      accordion.each(function () {\r\n\t\t\t        $(this)\r\n\t\t\t          .find(\".accrodion-title\")\r\n\t\t\t          .on(\"click\", function () {\r\n\t\t\t            if ($(this).parent().hasClass(\"active\") === false) {\r\n\t\t\t              $(\".accrodion-grp.\" + accrodionName)\r\n\t\t\t                .find(\".accrodion\")\r\n\t\t\t                .removeClass(\"active\");\r\n\t\t\t              $(\".accrodion-grp.\" + accrodionName)\r\n\t\t\t                .find(\".accrodion\")\r\n\t\t\t                .find(\".accrodion-content\")\r\n\t\t\t                .slideUp();\r\n\t\t\t              $(this).parent().addClass(\"active\");\r\n\t\t\t              $(this).parent().find(\".accrodion-content\").slideDown();\r\n\t\t\t            }\r\n\t\t\t          });\r\n\t\t\t      });\r\n\t\t\t    });\r\n\t\t\t  }\r\n      });\r\n        <\/script>\r\n    \t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>How can We Help? Get to know about us We specialize in providing top-notch tailored solutions with a commitment to transparency and client education. Our priority is to make both existing and new clients feel valued, with client retention at the forefront of our goals. 00 Specialist services to Medical and Legal professionals Private lending [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-8462","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/dev.toplendersaustralia.com.au\/wordpress\/wp-json\/wp\/v2\/pages\/8462","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/dev.toplendersaustralia.com.au\/wordpress\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/dev.toplendersaustralia.com.au\/wordpress\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/dev.toplendersaustralia.com.au\/wordpress\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/dev.toplendersaustralia.com.au\/wordpress\/wp-json\/wp\/v2\/comments?post=8462"}],"version-history":[{"count":6,"href":"https:\/\/dev.toplendersaustralia.com.au\/wordpress\/wp-json\/wp\/v2\/pages\/8462\/revisions"}],"predecessor-version":[{"id":10115,"href":"https:\/\/dev.toplendersaustralia.com.au\/wordpress\/wp-json\/wp\/v2\/pages\/8462\/revisions\/10115"}],"wp:attachment":[{"href":"https:\/\/dev.toplendersaustralia.com.au\/wordpress\/wp-json\/wp\/v2\/media?parent=8462"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}