Chocolate Money FAQs

Question:

Why is the company called 'Chocolate Money'?

Answer:

Chocolate lovers around the world feel no barriers when it comes to savouring their chocolate experience. The smooth, sweet, comforting taste of chocolate is enjoyed by everyone - irrelevant of age, gender, religion or race.

'Our Challenge at Chocolate Money, is to help our clients feel secure and comfortable when they speak to our team. We do this via our uncompromising professionalism and unconditional kindness, aimed at ensuring all who deal with us are left with a sweet taste.' Harry Pontikis Director

Question:

Who is Chocolate Money and what do they do?

Answer:

We are a Lender with our own suite of products, as well as a Loans Broker for Residential, Business, Commercial and personal loans and mortgages.

Chocolate Money has access to 49 Lenders, is a full Member of the Mortgage Industry Association of Australia (MIAA), a voluntary Member of the Credit Ombudsman Service (COSL), a Professional Lenders Association Member (PLAN) and an Associate Member of the Master Builders Association of Victoria and New South Wales.

Question:

Why would I use Chocolate instead of another broker or bank?

Answer:

Our promise to you is:

• To find the cheaper deals in the finance market
• To do this in the quickest time possible
• Remove the confusion around choosing the best product for you
• Increase your chance of being approved
• To treat you respectfully, professionally, courteously and to delight you at every opportunity

Question:

Why haven't I seen Chocolate Money advertised anywhere?

Answer:

We deal exclusively with Alliances, Partnerships and referrals from existing clients, friends and family.

Question:

How big is Chocolate Money?

Answer:

We are an Australian, privately owned company, consisting of 48 Lending Consultants, a Training, Marketing and Administration team, and 2 Directors.

The entire company is committed to setting a new benchmark in the world for service excellence by ensuring every transaction and interaction is personal - not just business.

Chocolate Money is the supplier of finance to the Master Builders Association of Victoria its staff members and clients as authorised Chocolate Homeloans Representatives, and is the provider of finance to Asian Pacific Building Corporation.

Chocolate Money offer a full range of loan products, whether you be an individual looking for a Residential Loan, or whether you are in business and looking for a Business Loan or a Commercial Loan.

• Standard Variable Home Loans
• Basic Variable Home Loans
• Fixed Rate Home Loans
• Split Home Loans
• Line of Credit Loans
• Debt Consolidation Loans
• Reverse Mortgage Loans
• Low Doc Loans (self employed and PAYG)
• Non Conforming Loans (Non standard loan types, defaults, bankruptcies)
• Personal Loans
• Car Loans
• Patient Finance for Non-Standard Medical Procedures
• Business Purchase Loans
• Business Refinance Loans
• Business Overdrafts
• Equipment Finance Loans
• Working Capital Loans
• Debtor or Factoring Loans
• Low Doc Rural Lending
• Credit Impaired Rural Lending