The Quarterly Rate of Return was introduced by Balance Finance to the Australian financial industry as an “alternative” to the standard practices in the market. It is a programme that is reviewed and/or changed in conjunction with economic indices and market conditions.

Generally, economic indices and factors are reviewed or updated on a 1/4rly basis (for example Property Trusts and Acquisitions index, GST calculations) as does our Quarterly Rate of Return: a true reflection of market conditions.

At the end of each quarter Balance Finance reviews the economic conditions and subsequent rate. The quarterly review dates are April 30th, June 30th, September 30th and December 31st. These are the ONLY dates that our rate may change.

This ensures knowledge and understanding into the investment and therefore avoids any uncertainty.

So where do we get our money from?

Balance Finance uses a funding process known as mortgage securitisation where "mortgage backed" bonds are issued on the money market for investors to buy. These mortgage bonds are rated AAA by independent rating agencies – the highest rating available and secured by real property being the ultimate asset.

Balance Finance is pleased to lead the market in the introduction of alternative home finance solutions.