Home Loans
Ready for your next move, or dreaming of transforming the home you’re already in? Whether you’re upgrading to a larger home, moving to a new area, renovating or buying your next property, the right home loan can help make it happen.
We’ll help you understand your borrowing options, assess your current position and find a lending solution that suits your plans. With a mortgage broker in your corner, you can navigate the finance process with confidence and focus on what comes next.
Loan types and features
Choosing the right loan structure matters just as much as choosing the right lender. Here’s a quick look at some of the main options, so you know what to ask about when we talk.
Variable Rate Loan
Your interest rate moves with the market over the life of the loan, so repayments can rise or fall. In exchange, variable loans usually come with more flexibility, think unlimited extra repayments, redraw facilities, and offset accounts.
Fixed Rate Loan
The reverse of a variable loan: your rate and repayments are locked in for the fixed term, so you know exactly what you’ll pay regardless of market movement.
Interest Only Loan
For a set period, your repayments cover the interest only, leaving the principal balance untouched. This can free up cash flow in the short term, though it doesn’t reduce what you owe.
Packaged Loan
A bundle of products, often including discounts on standard variable and fixed rates, waived fees, and sometimes extra perks on other products from the same lender, usually for a single annual package fee.
The process is easy!
1. Start your application
Once your application is underway, I’ll be in touch to guide you through every step, using a secure online portal that makes gathering documents simple.
2. Get advice tailored to you
After reviewing your situation, I’ll put together a shortlist of options built around your goals and circumstances.
3. Choose your loan
I’ll talk you through the options and help you settle on the right product, then handle the legwork with the lender to get your application through to approval.
4. Receive your funds
I’ll stay in touch as settlement day approaches, making sure everything’s in place for your exciting next move.
- (Credit Representative Number 552095) of BLSSA Pty Ltd (Australian Credit License No. 391237)
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