Home Loans & Mortgage Refinance
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HOME LOANS  Variable Home Loans Fixed Home Loans Interest Only Loans Line Of Credit Low Doc Home Loans Self-employed Home Loans Upgrading Your Home Loan Construction & Renovation

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FIRST HOME BUYERS   First Home Buyer Grant FHB Savings Account FHB Stamp Duty Finding Your Perfect Home Making An Offer On A Property

 

How Much Can I Borrow Mortgage Calculator Home Loan Glossary Home Loans FAQ

 

Home Loans

Your home loan decision will be one of the most significant financial decisions you will ever make. It is not a decision, which should be made during your lunch hour by popping in to see your local mortgage broker.

Your home loan, just like your home, needs to be carefully selected to ensure that it best suits your needs and requirements not just for today, but for years to come. Unlike your home, your home loan will not instantly stand out from the rest, but over time the difference between one chosen well, and one chosen in a hurry, could come to many thousands of dollars.

In this age of the internet, it is quite easy to go online and find what experts are telling you are the cheapest home loans on offer. However as with other purchases you make, the cheapest is not always the best.

In making your choice you need to at least consider the following:

• Fix your home loan or leave it variable;

• Use a bank, a credit union or a specialist lender;

• Take a basic home loan or one with an off-set account, cheque book, line of credit etc;

• Do you wish to pay your home loan off as soon as possible or over 30 years;

• Pay interest only for a period of time or principal and interest;

• Do you wish to make extra repayments;

• Will you need the flexibility of paying your home loan out early?

• Do you need a low doc or a full doc home loan;

• Do you need a bad credit or a non-conforming home loan?

If all this is confusing, do not worry, we can put you in touch with a Mortgage Specialist who will help you make an informed choice.

In the meantime, it is worthwhile to spend some free time doing your own research to understand the different home loan types available.
 

• Fixed Home Loans

• Variable Home Loans

• Interest Only Loans

• Line of Credit

• Low Doc Home Loans

• Construction and Renovation Loans

• Self Employed Home Loans