Services


​At FLS Loans, we offer professional lending services tailored to your goals. Whether you're purchasing your first home, investing in property, funding a commercial venture, or refinancing to save — our extensive experience ensures you’re in capable hands.
We work with a wide panel of banks and lenders to find the best solution for your circumstances, and we support you every step of the way.

Business Funding (NEW)

Fast, Flexible Business Funding — Without Property Security
We now offer a specialised business loan backed by one of the Big 4 banks. It’s fast, unsecured, and designed to support real business growth.
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✅ No property security required
✅ No GSA over your business
✅ Finance up to $500K
✅ Approval in as little as 3–4 business days
✅ Flexible use of funds

Home & Investment Loans

We can help you:
  • Save thousands on your current home loan or unsecured debts through smart restructuring.
  • Purchase your first home with expert guidance through the entire process.
  • Expand your portfolio with investment lending for residential or commercial property.
  • Access interest-only and low-document loans at competitive rates.
  • Refinance with a cash-out option or to reduce monthly repayments.
Current Rate Options:
  • Home Loans from 5.30%
  • Investment Loans from 5.45%
  • Interest Only Loans from 5.65%
  • Low Doc / No Financial Loans – extremely competitive new rates NOW available 
​Eligibility criteria applies. All rates subject to change & LVR tiered.

Commercial Finance & Business Lending

Whether you're buying commercial property, refinancing an existing asset, or need working capital for your business, we’re here to help.

We also assist professionals looking to start their own practice — including doctors, dentists, and lawyers — with lending options that suit your career and cash flow.
Suitable products for all investors or business owners.  
  • Commercial / Business Loan interest rates from 6.15%

Construction Loans

Thinking of building but not sure where to begin? We make the process simple and transparent — guiding you from pre-approval to completion with trusted advice and ongoing support.

Self-Employed Loans

Having trouble getting that loan? We assist the self-employed because we understand what it is like to operate your own business. The best range of self-employed Home Loan products available now.

Credit-Impaired Loans

Problems with your credit rating or are you looking to do something outside the bank's normal guidelines? 
Look no further, we can help you and with very competitive interest rates.
  • Consolidate all debts into 1 affordable repayment.
  • Refinance with Cash Out facility to re-invest into the housing market.
  • Refinance to reduce monthly expenses.
  • Restructure your finances.

Contact Us

Find out how we can help.