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Email : [email protected]

Phone : (03) 8748 4400

Mob: 0421 799 869

Official sales agent for Metinvest, a division of Metricon.

What We Offer

At CrediPlex, we are dedicated to helping you achieve your financial goals in the most efficient manner. Our professional team provides experienced, expert advice and will help you in selecting the most ideal loan products to assist in managing your mortgages. Whether it is for your home or other investments, we will find loan options with competitive rates to attain the earliest possible debt repayments.

Get in touch today! Our service to you is free, but other fees may apply. 

Main Types of Loans

Principal and Interest Repayments

A principal and interest home loan repays the principal loan amount each month and its interest. However, interest is not your friend. In a typical principal and interest loan plan, the first half of your 30-year typical term mortgage will go to the interest amount rather than the principal loan you owe. As you reduce the loan amount over the term, you interest slowly decreases and more of your payment will go to the principal amount.

If you apply for a loan through CrediPlex, we can show you how to reduce your loan quicker which can potentially save you thousands of dollars.

Interest-Only Repayments

In some cases, interest-only repayments can be convenient as it suits more clients with investment objectives, taking into consideration their taxes and arrangements. However, as an interest-only loan, the principal amount is not added in the repayment plan whilst the interest continues to be calculated during this period. This means you are paying more interest over the term of your loan.

During the interest-only period, your minimum repayments are lower as you are not paying the principal balance. However, at the end of the period, your repayment will be higher because you will need to pay more to compensate for the principal balance and interest within the term initially set for your loan.

There are also crucial factors to consider with your loan product, such as using offset accounts and redraw facilities, channeling your income to counter high-interest payments, making more regular repayments to your principal loan, and consolidating debt to a lower rate. Be proactive with your payments and stop your interests from blowing out!

Talk to one of our consultants at CrediPlex to discuss your needs today. We would gladly give you advice based on your current circumstances and goals. Have peace of mind knowing you are properly managing your loan.

Client Testimonials

‘Jean’s ability to understand your personal financial circumstances and then tailor an approach is absolutely first-class. Jean’s knowledge, passion and genuine interest to achieve the best results for his clients, ensures he stands out as a truly professional financial advisor.

He is a trusted expert and his advice and counsel over many years has always led to our decisions on mortgages, property purchase and budget tracking being optimised to our advantage. We highly recommend Jean Le Son to achieve exceptional financial outcomes.’

- Tim and Fiona

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