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Formplex Finance Options

Humm Payment Plans

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.

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!

Latitude Lending

LatitudePay is an interest-free, buy now, pay later product that allows customers to spread the cost of their purchase over 10 weekly payments up tot the value of $1,000, or 6-24 monthly payments up to the value of $10,000. Customers pay no fees when they pay on time.​
Borrow over $5,000 with either a secured or unsecured personal loan from Latitude. Interest rates will depend on your credit score.

Zip Pay

Zip makes life more affordable by spreading the costs of your purchases over time.
You'll pay nothing upfront. And repay weekly, fortnightly or monthly on a schedule that suits you.
So you can spend with confidence, knowing you're in control of tomorrow.

Seniors Card Discounts

You've earned it!
Formplex Accepts Seniors Card and offers Pensioner Discounts.
The Seniors Card encourages older Victorians to keep active and engaged in the community through offers and incentives that make it affordable to get out and about.

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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