Types of home loans we offer
Get the experts on your side
The road to getting your home can often be challenging, but the good news is, you don’t have to do it alone. We are here to help.
We help understand your unique situation and we find a loan that suits you. We take the hard work out of navigating all the lenders, products, processes, and policies.
Your goals = Our passion
Variable Rate Home Loans
Interest rates change from time to time, and each lender can choose how much they decrease or increase their interest rate. A variable rate home loan means that your lender can change your interest rate, which would, in turn, increase or decrease your repayment.
While this gives the bank flexibility to change your interest rate, they often offer additional flexibility for the customer with options like making extra repayments, redraw additional funds paid, or refinancing to another lender without penalty.
Variable Rate home loans can be a great choice for customers who are expecting their circumstances to change, would like to make additional repayments regularly or expect that interest rates will drop.
Fixed Rate Home Loans
Fixed rate home loans work in the opposite way to variable home loans. Fixed rate home loans offer certainty at the expense of flexibility.
When you fix your home loan, you are guaranteeing yourself a specific interest rate for a period of time from 1 to 10 years
In this time, if interest rates increase or decrease, your home loan and repayment will stay the samet.
In return for this certainty, banks will usually have restrictions in how often and how much extra you can make additional repayments and penalties if you want to refinance away before the term has ended.
Fixed rates can be a great choice for customers who need the certainty of their budgeting and repayment and do not foresee significant changes in their circumstances or if they expect interest rates to increase.
If you have a fixed loan, when it comes to the end of its fixed period, we will reassess your loan and present you with options to decide what is next.
Split Loans
A split loan is a popular option for customers who would like the advantages of both fixed and variable home loans.
You can split the home loan into two or more splits; each lender will have slightly different rules for how many splits you can have or minimum split amounts.
This can be a great option if you would like some of your home loan fixed for certainty, but part of it variable to make additional repayments.
This can be a great option if you would like some of your home loan fixed for certainty, but part of it variable to make additional repayments.
Redraw
When you have made additional repayments onto a home loan, some lenders will allow you to redraw these additional funds back out, usually through their internet banking platform.
This can be handy for unexpected expenses without having to go through the process of a new application.
Each lender will have different rules regarding minimum amounts that can be redrawn, how often you can do it, and any associated fees.
Top Up
Life changes and can sometimes be unpredictable. A top-up loan refers to increasing your home loan for additional funds or creating a separate loan.
This can be a great solution if you are looking for funds to renovate your home, buy a vehicle, fund a wedding, or prepare for a new arrival in your family..
Some customers will choose to create a separate loan with a short term and repayment to suit the purchase or pay it down quicker, such as a 5-year term for a vehicle purchase.
Talk to the experts
How it works
process of getting a great deal. Here is how the process works.
01
We meet and get to understand what your current position is and what your goals are.
02
We go back to the lab and do all the research to build a game plan on how we can get you to where you want to be.
03
We present solutions tailored to your goals and circumstances for you to decide what is best for you.
04
We do the leg work to get you approved and manage the process all the way through to the end.
05
We review your home loan regularly, making sure you are always on a great deal.
We meet and get to understand what your current position is and what your goals are.
We go back to the lab and do all the research to build a game plan on how we can get you to where you want to be.
We meet and get to understand what your current position is and what your goals are.
We do the leg work to get you approved and manage the process all the way through to the end.
We review your home loan regularly, making sure you are always on a great deal.
Why Choose Us?
We put you first, not a bank
We are legally required to put your best interests first under Best Interest Duty Legislation. Not only do we comply, but we embrace this. We are family-owned, not banked owned.
Access to over 30 lenders
With access to over 30 lenders and hundreds of lending products, we can help find the right loan to suit your needs.
We are with you for the long haul
We aren’t here to just do a transaction; we are here to help you achieve your goals. We have your back every step of the way.
We come at no cost to you
We are here to help you keep money in your pocket, not take it out. We receive our payment from the bank that wins your business.
We do the hard work, so you don’t have to.
Getting a loan can be a complex process, so put the experts to work and let us handle it for you.