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You can count on us for all your needs of home loans. Doesn’t matter if it is your first home loan or refinancing an existing home loan or buying the home from investment point of view, we are here to help you with an efficient and best solution.
If you are buying your home for first time and you are seeking first home loan, as a first home buyer, you may be eligible for a number of state funding schemes to help get you into your own place sooner. As well as savings on stamp duty, you may also qualify for a one-off payment called the First Home Owner Grant. If you want to know whether or not you are eligible for your First home owner grant, you can reach out to us for your information.
The interest rate you will have to pay on a variable rate loan depends on the RBA official cash rate, changes to market interest rates or changes made by the lender.
With a fixed loan, the interest rate and repayments are set. It can be a good choice if you want to know exactly how much you need to pay off each fortnight or month. People often choose this option if they think interest rates are going up. This is because the amount you pay is locked in for the term of the loan, which is usually between 1 and 5 years. But you might end up paying more if rates go down .
In a split loan, part of your mortgage is fixed and part of it is variable. So, you’ve got some protection from rising rates but you still benefit if rates drop. It’s like the best of both worlds.
Basic home loans are cheaper than a standard loan because they have fewer features. They also usually have a variable rate. But ‘basic’ means different things to different lenders so make sure you understand what you’re getting.
An offset facility is a savings or transaction account linked to your home loan. The balance of the offset account is deducted from your main loan when the bank works out your interest. Let’s say you have $20,000 in your offset account and the amount you owe on your home loan is $350,000. With an offset account you only pay interest on $330,000. So, you pay less interest over time.
A package or ongoing discount home loan bundles a home loan with other financial products like a transaction account or credit card.
Banks will generally offer a discount on your home loan and waive or reduce the fees on some or all of the other products for the life of the loan. But you might need to pay an annual package fee. So weigh up the savings and discounts against any fees to work out whether this is the right choice.
A line of credit is like a credit card with a big limit. You can use it at any time to pay for things like shares, renovations or a holiday. Your home secures it and you only pay interest on the funds you use.
These are popular with self-employed people or borrowers who might not have been in their job for long. A low-doc loan can be fixed or variable. But the rate is usually higher than a standard variable or fixed home loan.
An investment loan allows you to borrow money to buy a property, which you rent out to generate an income. It’s an essential financial tool that may enable you to generate wealth through real estate.
Whether you’re just starting out as a property investor or you’re a landlord looking for a better mortgage, this guide will help you compare investment rates and find a competitive loan that suits your investment strategy.