Home Loans

Get home loan advice and solutions from qualified mortgage experts...

  • Low interest rates for variable and fixed rate loans
  • Get and compare multiple home loan quotes sourced from hundreds of lenders
  • First home buyer help and government grant assistance
  • Refinance advice. See if it is worth refinancing your home loan.
  • Property investment loan advice, loan structuring and lenders to consider
  • Low doc home loans and borrow up to 80% of the properties value
  • Construction loans for those looking to build or renovate
  • Line of credit home loans for those wanting to access equity in their home
  • Second home purchase and bridging finance available
  • Borrow up to 95% of the properties value
  • Negotiate better interest rates and find you loans you may never consider
  •  Friendly helpful advisors to speak to over the phone, via email or in person

 

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Most Popular Home Loan Lenders...

We have home loan experts in your local area to help you with all your finance needs

Lender                           Home Loan to Look Out For More Information
Note: Many More Lenders Available. This is just a representation of some of Australia's most longest standing lenders that offer ongoing competitive rates. Please discuss other lender options with your mortgage consultant.  
 MAJOR BANKS      
ANZ Home Loans Basic - Simplicity Plus, Professional - Break Free,  Line of Credit, Low Doc to 60%, Construction and Fixed Rates 2,3,4,5,7 & 10 years
Commonwealth Bank Home Loans Discounted Rates - 1 & 3 years, Basic - Rate Saver, Professional - Wealth or MAV Package,  Line of Credit, Low Doc to 80%, Construction and Fixed Rates 1,2,3,4,5,7, 10 & 15 years
NAB Home Loans Discounted Rates - 1 & 3 years, Basic - Base, Professional - Choice Package,  Line of Credit, Low Doc to 80%, Construction and Fixed Rates 1,2,3,4,5,7, 10 & 15 years
Westpac Home Loans  Basic - Flexi First Option, Professional - Rocket Repay,  Line of Credit, Low Doc to 80%, Construction and Fixed Rates 1,2,3,4,5,7,9, 10 & 12 years
Homeside Lending NAB Home Loans Professional - Homeplus,  Line of Credit, Low Doc to 80%, Construction and Fixed Rates 1,2,3,4 & 5 years
SMALLER BANKS      
Adelaide Bank Home Loans Basic - Smart Fit Home Loan, Low Doc Variable and fixed rates, 3 and 5 year fixed rates.
AMP Home Loans Variable - Classic, Professional,  Line of Credit, Low Doc to 80%, Construction and Fixed Rates 1,2,3,4 and 5 years
Bank West Home Loans Discounted Rates - 1 & 2 years, Basic - Lite, Professional - Lite Plus,  Line of Credit, Low Doc to 80%, Construction and Fixed Rates 1,2,3 & 5 years
Citibank Home Loans Basic, Professional - Mortgage Plus,  Line of Credit, Low Doc to 80%, Construction and Fixed Rates 1,2,3,4 and 5 years
ING Direct Home Loans Basic - Mortgage Simplifier, Professional - Smart Pac,  Line of Credit, Construction and Fixed Rates 1,2,3,4 and 5 years
St George Home Loans Basic, Professional - Advantage,  Line of Credit, Low Doc to 80%, Construction and Fixed Rates 1,2,3,4 and 5 years
Suncorp Home Loans Basic - Back to basics, Professional - Money Manager,  Line of Credit, Low Doc to 80%, Construction and Fixed Rates 1,2,3, and 5 years
BUILDING SOCIETIES      
Heritage Bank Basic, Professional Packages,  Line of Credit, Construction and Fixed Rates 1,2,3, and 5 years
The Rock Building Society Variable, Professional Packages,  Line of Credit, Construction and Fixed Rates 1,2,3, and 5 years
OTHER LENDERS      
Homeloans Ltd  Basic, Professional,  Line of Credit, Low Doc to 80%, Construction and Fixed Rates 1,2,3,4 and 5 years



 

11 Common Mistakes Borrowers Make When Selecting a Home Loan...

The first thing that most people look for in a home loan is the interest rate. Although this is an important consideration it is a common mistake people make when choosing a home loan. There are many other factors that can add significantly to the cost of a loan far more than interest rate alone. Loan fees and restrictive features can   prevent you from paying or exiting your home loan early..

 

1. Entry Fees - varies from lender to lender and can be anything from $0 to $1,000 plus dollars

2. Mortgage Insurance - this varies significantly from lender to lender and can vary by thousands of dollars

3. Ongoing Fees - some lenders charge up to $500 yearly for some loans

4. Early Exit Penalty Fees - paying out a loan within the first 5 years can cost hundreds if not thousands of dollars with some lenders

5. Discharge of Mortgage Fees - exiting your loan at any time can cost up to $1,000 with some lenders 

6. Can I Make Extra Repayments - the quickest way to save on interest repayments is to make extra repayments and pay your loan earlier. If you cannot make extra repayments a low interest rate loan may not be as attractive as it seems

7. Offset Accounts and Redraw - these features offer flexibility and can be valuable tools for reducing your mortgage quicker.

8. Redraw Fees - If you are ahead of your loan repayments you may be entitled to redraw these funds. These fees can be as much as $50 per redraw.

9. Fixed Rates and Break Costs? - Many people do not understand that there can be sever penalties for breaking a fixed rate contract early. Sometimes this can cost into the tens of thousands of dollars

10. Is My Loan Portable? - Portability allows you to transfer your loan from property to property without incurring the excessive fees of closing out a loan and applying for a new one

11. Is My Loan With a Reputable Lender? - Lenders that have been in the mortgage market for a short while may not offer the same level of service or ongoing competitive pricing.

 


 

Need Help?

We have home loan experts and mortgage brokers that can sort through hundreds of loans in less than 2 minutes to find the most suitable home loan for your lending needs. They can show you all the all the hidden costs and restrictions as well as show you the most reputable lenders to choose from.

 

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