FNQ Brokers Pty Ltd

Life Insurance

Providing for your family when you are no longer able to. We provide Life Insurance policies, selected to suit you and your circumstances. Life insurance is a policy to protect your loved ones financially, in the event of your death, or diagnosis of an illness expected to result in death within 24 months. It’s often paid as a lump sum, intended to help your family with mortgage expenses, loan repayments and other living expenses.

Income Protection

Income protection is an insurance policy that will pay out a portion of your pre-tax income if you’re unable to work due to a partial or total disability. We work with you to understand your requirements, then put together an application to our panel of insurance providers and compare policies to find what suits you best.

Trauma Insurance

Trauma (or Critical Illness) insurance provides a lump-sum payout if you are diagnosed with, or suffer from a critical illness or serious injury. Such conditions include cancer, a heart condition, major head injury or a stroke. The insurance provides assistance with medical expenses, living expenses, therapy and care, adaptations to your home, etc. We work with you to determine your requirements, then source policies from our panel of insurance providers. We assess each policy against your requirements and put forward our recommendation.

Total & Permanent Disability Insurance

Total & Permanent Disability (TPD) Insurance is a policy providing a lump-sum payout if you become totally and permanently disabled due to injury or illness. The cover is designed to provide assistance with medical bills and living expenses for your family.

Buy/Sell Agreements

A Buy/ Sell Agreement is an insurance policy to protect a business partnership in the event that one of the partners were unable to continue through death or disability. This allows the remaining owners to continue to operate the business and the departing owner (or their estate) is compensated appropriately. We can help determine the type of cover you require and will work with you to confirm the details of the policy.

Key Person Insurance

Key Person Insurance (also known as Key Man Insurance) is an insurance designed to compensate for the financial impact of the loss of a director or important member of the business, through death or incapacity). The insurance is often a lump sum payout used to cover the costs (and losses) associated with the reduced earning capacity and the appointment of a successor.

Business Expense Insurance

Many business owners take out insurance to cover their business assets – from vehicles, buildings, plant and equipment – but forget about the most critical part of their business! Business expenses continue, even when you’re unable to through sickness or injury. Business Expense Insurance helps you to continue to meet your financial commitments when you’re unable to work. This allows you to recover, without the added financial stress. We help to understand your requirements, then apply to our panel of insurers. We filter through the cover and rates to find you the best deal we can. One that suits you.

Home Loans

Applying for a loan can be a very time-consuming and frustrating process, with a lot of paperwork. Why do it all yourself, when we do the hard-work for you? We discuss your situation to determine your requirements, complete the paperwork for you and go to our panel of trusted lendors (including the big banks) to find you the best deal. Best of all? We do it for free! We are paid a commission by the lender, not you – so we offer you our services at no cost!

Investment Property Loans

We take the hassle out of securing finance for an investment property, by first evaluating your situation through our discussions, then finding a solution to meet your requirements. We have access to a fantastic range of lenders (including the big banks) to find you a great deal and maximise your return on investment. Best of all? We do it for free! We are paid a commission by the lender, not you – so we offer you our services at no cost!

Refinance

Refinancing a loan is the process of re-assessing your financial and personal situation and renegotiating or replacing your existing loan with a new loan. We’ve been working with clients to secure better interest rates and better terms on their mortgages with refinancing options. The benefit is that we review your position and can help you with the paperwork, speeding up the process and having the benefit of multiple lenders to ensure you’re receiving the best deal for your requirements.

Personal Loans

Personal loans are a multi-purpose loan, ideal for buying a vehicle, consolidating debts, holidays and home renovations. With flexible terms and great interest rates, a personal loan is designed to give you a helping hand. We help you apply for and secure a personal loan, by assisting you through the application process, and offering the best deals based on the responses of our panel of lending providers. Best of all? We offer you this service at no cost! We paid by the lender, so we’re here to provide you with our services with no extra fees.

Vehicle & Assett Finance

We provide a range of Personal and Business finance solutions for the purchase of vehicles and corporate assets. Cars, trucks and commercial vehicles, heavy machinery, office equipment and more – FNQ Finance and Insurance Brokers can help you to apply and secure finance options for your purchase. We review your requirements against options from a range of lenders to ensure we’re finding the best deal to meet your needs.

Debt Consolidation

Bad debts can get very overwhelming very quickly, and with high-interest penalties for missing repayments, they can very quickly spiral out of control. We can help with our Debt Consolidation services. This is a low-interest loan, designed to clear out all your existing debts by rolling them into one single, low-interest loan. Credit cards and Buy-Now-Pay-Later services are great, until you fail to meet your repayments. We have helped hundreds of clients to consolidate and chip away at their debt, allowing them to climb free of the Debt trap for good!