Home Loans
Explore your options or contact us now!
Find the perfect home loan to match your lifestyle and financial goals.
With a variety of options including owner-occupied, investment, and refinancing loans, we provide personalized solutions to help you achieve homeownership with ease.
Explore your options or contact us now!
Key Features :
Property as Security
The loan is secured against the residential property, meaning the lender holds an interest in the property until the loan is fully repaid.
Secured or Unsecured
Loans can be secured with business assets, offering potentially lower interest rates, or unsecured, which typically require a stronger credit profile but offer quicker access to funds.
Loan Types
You can choose from a variety of loan types, such as fixed-rate, variable-rate, or interest-only mortgages, depending on your financial needs and preferences.
Repayment Schedule
Loans are typically repaid over a set period, with terms that can range from 5 to 30 years or more, influencing the size of your monthly repayments.
Loan to Value Ratio (LVR)
This is the proportion of the property’s value that you can borrow. A higher LVR may require Lenders Mortgage Insurance (LMI) if it exceeds the lender’s threshold.
Considerations :
Affordability
When securing finance, carefully evaluate your income, expenses, and financial stability to determine how much you can afford to borrow without overextending your finances.
Interest Rates
The rate of interest will affect the cost of your loan over time. It is vital to consider both the current rate and the potential for rate changes in the future.
Fees and Charges
Be aware of application fees, ongoing account-keeping fees, early repayment fees, and any other charges associated with the loan.
Flexibility
Features such as redraw facilities, offset accounts, and the ability to make extra repayments can affect the cost and flexibility of your loan.