HOME LOANS
We have a full range of loans from a large panel of lenders. We can access a loan product and provide an in depth knowledge of its strengths, weaknesses and suitability for your unique circumstances.
Loan types
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Basic Variable
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Full feature Packages
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Line of Credit
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Fixed Rates
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SMSF Loans
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- Usually a lower interest rate
- Usually don't have features, such as a 100% offset loan
- Usually are not transactional (e.g. BPay, direct debit & some other transactions not allowable)
- Suitable for simpler, single loan structures
- Have offset account availability
- Multiple splits to accommodate several separate loans withing facility
- No restrictions on redraw of payments made in advance
- Easily package with fixed rate & variable rate combination
- Large rate discounts for higher loan amounts
- A set ongoing limit, to which borrower can draw up to at any time
- Transactional, allowing B{Pay, direct debit, salary credit, ATM and online transactions
- Rates are usually higher than standard variable rate loans, due to flexibility & features
- Minimum repayments vary monthly in accordance with balance and can be interest only
- Fixed for terms, ranging from 6 months to 15 years, depending on lender's range
- Ensure a known repayment over a specified term
- Seek independent advice when deciding on fixed vs variable rates
- Additional repayments usually allowed, but lenders set different limits
- Redraw of additional repayments might not be available
- Borrow against property purchases that provide an investment return for your super fund
- Seek investment advice prior to proceeding to ensure product is suitable
- Conditions apply under the SIS Act and other regulatory framework
- Fixed or variable rates available
Of course, there are many loans available, and we urge you to contact us loans such as;
- Low doc loans
- Non conforming loans
- Reverse mortgage
- 95% home loans
Purposes
- Refinance & debt consolidation
- Purchase of property for investment or owner occupation
- Vacant land and construction
- Investments, shares etc
- Cash out
Almost any purpose can be financed where the lender can determine you have the income to service the loan (except for reverse mortgages, no regular repayments required) and sufficient security, which is usually a first mortgage over real estate. Lending criteria applies and applications are subject to credit assessment.
Apply/Enquire Online
Apply/Enquire Online