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Formplex Finance Options


40th Birthday Handypay Offer - May orders Only


The 40th Birthday celebrations keep coming. We have some exciting news on a new Handypay exclusive promotion that we have launched for May only !  

Formplex customers are being offered an “Introductory Rate” for  , with a Fixed Rate of 5.40 % for the 1st 12 months of a customers loan. After this period, the Interest rate will be from 6.29%.

Application Link (Promo) :


Key Points


 A Introductory rate, upto 8% savings as compare to major banks, without the delays & traditional costs of refinancing mortgage – get approved in minutes!

  • Re-finance at any time, without any break fees or additional costs – This allows you to get started with Handypay and then re-finance into your home loan at a later point if youwould like.
  • After introductory rate & 12 month period, Interest rates are from only 6.29% p.a, unlike traditional credit cards which have rates reverting up to 25.99% p.a.
  • No hidden costs, flexible terms of 1-7 years & repayments aligned to your pay cycle








New and improved.

The way you Buy Now Pay Later is about to change for the better. Certegy Ezi-Pay, the service you know and love, has a new name and new places to shop. Humm is the only Buy Now Pay Later service that’s perfect for both the ‘Little things’ and ‘Big things’ in life.



HUMM  Payment Plans


We offer a payment plan option through Humm Ezi-Pay so you can make a purchase with Formplex today and pay for it over time in convenient fortnightly instalments. It’s fast and easy to apply, and applications can take less than 5 minutes to complete. Your application will be assessed by our standard credit approval process.


One of the great benefits of a Humm Ezi-Pay payment plan is that you never pay interest on the amount you owe. You will pay an establishment fee $80 to set up your account, and this is payable over the term of the

plan. There is a monthly account keeping fee of $8.00 which will be direct debited whilst your account remains active and is included with each fortnightly payment. You know exactly how much you will get charged as long as you stick with your payment schedule, best of all there is No Interest Ever!


For more information and to apply online please visit


Call us now on 1800 038 145 for more information.


Please note that Humm No Interest Ever! repayment plan can only be offered to RRP quotes - You can either
enjoy a cash discounted promotional pricing or the convenience of fortnightly payments with NO INTEREST EVER!.
Either way you WIN.

*Humm Ezi-Pay Express is a continuing credit payment plan provided by Humm Ezi-Pay Pty Ltd. Fees, terms & conditions apply. Quoted pricing is based on RRP purchase of $11,165.00, over 30 month term & a 10% deposit paid.

Minimum amount payable $11,514.00 over 30 months, repaid fortnightly. Includes account establishment fee of $80 payable over the purchase repayment period. A monthly account keeping fee of $8.00 is included in this example of $80 per week

Prices & repayment amounts featured are an example for illustration purposes only & are subject to change. Humm Ezi-Pay Express No Interest Ever! applies.


Latitude Lending - Choose the way you like to pay





SKYE mastercard - Convenient and Useful



Seniors Discounts - Seniors Card -You've earned it 


seniors.JPG - small    FORMPLEX

Accepts Seniors Card and offers Pensioner Discounts - 



Independent Mortgage Broker

How a mortgage broker can help you reset your finances so you can have your cake and cladding too.  Time for a financial ‘health check’?

In an age when technology helps us research, shop and even – at times – think, we might wonder what other help we could possibly need when it’s time to review our financial position.

But, unless you have weeks of spare time and a brain that can store hundreds of home loans, plus their fees and conditions, and then match them to your situation, log off and set up a time to see a mortgage broker.

Here are 10 reasons why a mortgage broker is as valuable to you right now:

  1. It makes financial sense. For the vast majority of home loans, your mortgage broker’s service is free. Lenders pay mortgage brokers a fee when they connect them to borrowers.
  2. Mortgage brokers work for you, not the lender. As keen as banks and credit unions might be to open their coffers, they have an equal interest (pardon the pun) in making as much money as possible from you over the life of your loan. A mortgage broker, on the other hand, will put your financial needs first and look for the loan that best suits your circumstances.
  3. Spoiled for choice.A mortgage broker has access to hundreds of loans from a long list of lenders – far more than you will encounter if you choose to go it alone. Mortgage brokers also have access to more boutique and wholesale lenders who don’t traditionally advertise to mum-and-dad property buyers, have some fantastic products and are eager for a slice of the mortgage market.
  4. Save your legs.Mortgage brokers will do the loan application leg work for you, not only making life easier but giving you a better chance of swift approval because your mortgage broker knows what’s required from the lender.
  5. After-hours service.Most mortgage brokers will come to you at a time that suits, an appealing selling point for busy professionals and families.
  6. Perfect match.Contrary to popular belief, banks generally like to deal with mortgage brokers because they put forward home buyers who meet all the lending criteria. It can often save higher-risk borrowers from being rejected and earning a red flag on their credit history.
  7. Avoid the pitfalls.Honeymoon offers, exit fees and fixed rates are just some of the terms that can confuse and confound. Your mortgage broker will take a long-term view and navigate through all the lenders’ fees, terms and conditions to make sure you’re not paying more than you should over the full life of your loan.
  8. Borrow within your means.You’re less likely to over-stretch and get yourself into financial difficulty down the track when you take out your loan through a mortgage broker. Where some lenders may allow you to borrow to capacity or offer a loan that’s not quite right for your situation, a mortgage broker will always recommend the loan that makes the most financial sense for you.
  9. Switching is simple.If switching lenders, either because you’re refinancing mid-loan or have bought and sold, your mortgage broker will manage the inquiries and all the paperwork. If buying a property, they will also often deal with your conveyancer or solicitor to keep things moving along.
  10. Get a health check on your existing home loan.At any time you request, a mortgage broker can scan the lending environment to make sure you’re still getting the best deal. And if your circumstances change, your mortgage broker can deal with your existing lender or find a new loan to meet your needs.
Cathy Galanakis-Kagan is a mortgage broker independent to Formplex and very experienced in bank lending procedures. In most cases we will be able to give you a conditional approval over the phone within 60 minutes.
She has access to over 35 different lenders so we're confident we can help you organise funding that suits your needs.

LOAN SERVICES - We can assist with the following:

  • Home Loans
  • Investment Loans 
  • Refinancing
  • Debt Consolidation
  • First Home Buyers
  • Home Loans/Investment Loans for the self employed
  • Personal Loans
  • Reverse Mortgage
  • Pensioners / Seniors