Home Loans

While finding a home loan in today's market is easier than ever, finding the right one that fits you best remains a significant challenge.

Choosing an unsuitable loan can be one of the costliest decisions in life, making it crucial to get this choice right.

The better your choice, the more savings and long-term happiness you will enjoy.

Several factors are essential when selecting your home loan to ensure you make the right choice.

Variable Rate: Variable home loans offer attractive rates but fluctuate as the Reserve Bank of Australia changes rates. This popular option in Australia allows customers to switch among various lenders for better rates and features without penalties or contracts.

Fixed Rates: Fixed-rate home loans have a set rate for a period, typically 1-5 years, providing peace of mind and stable payments, shielded from market rate hikes. However, they offer less flexibility in switching rates and restrict additional repayments.

Split Rates: Split home loans combine the features of variable and fixed rates. For example, a 60:40 split on an AUD $600,000 loan would have $360,000 at a variable rate and $240,000 at a fixed rate.

Low Doc: Low doc home loans are suitable for those who cannot provide employment income statements, such as new self-employed investors. They require no evidence of income or savings.

Full Doc: Full doc loans are ideal for regular income earners with sufficient income evidence to support the loan approval process.

Refinance

WANT TO LOWER YOUR CURRENT MORTGAGE PAYMENTS AND UNLOCK EQUITY FOR FUTURE INVESTMENTS?

Then refinancing is the smart choice.

As personal circumstances and mortgage offers change over time, it's wise to review your mortgage every few years to potentially save money. We can help you determine if refinancing is right for you by carefully analyzing your current loan status, such as reducing monthly payments, avoiding additional payment penalties, customizing features to be more beneficial, uncovering hidden costs, and more.

Worried about your mortgage history? Don't be. Even if your mortgage records aren't perfect, we can still find you better deals than your current mortgage offers.