Home Loans
By Interest Rate Structure
By Interest Rate Structure
By Interest Rate Structure
- Fixed Rate Loan – Interest rate is locked for a set term (e.g., 1–5 years). Gives repayment certainty.
- Variable Rate Loan – Interest rate moves up or down with the lender’s rate changes (often influenced by RBA cash rate).
- Split Loan – Part fixed, part variable — a hybrid for balancing stability and flexibility.
By Repayment Type
By Interest Rate Structure
By Interest Rate Structure
- Principal & Interest (P&I) – Repay both the loan amount and interest; reduces balance over time.
- Interest-Only (IO) – Pay only interest for a period (usually up to 5 years) — repayments are lower initially, but balance doesn’t reduce.
By Loan Purpose
By Features & Flexibility
By Features & Flexibility
- Owner-Occupied Loan – For purchasing or refinancing the home you live in.
- Investment Loan – For buying or refinancing a rental/investment property (often slightly higher rates).
- Construction Loan – Funds released in stages (“progress payments”) as your home is built or renovated.
- Bridging Loan – Short-term finance to “bridge” the gap between buying a new property and selling your existing one.
- Line of Credit / Equity Loan – Borrow against the equity in your home for flexible access to funds.
By Features & Flexibility
By Features & Flexibility
By Features & Flexibility
- Offset Account Loan – Linked account offsets your loan balance, reducing interest charged.
- Redraw Facility Loan – Lets you withdraw any extra repayments you’ve made above the minimum.
- Low Doc Loan – For self-employed or irregular income earners who can’t provide full financial documentation.
- Package Loan – Bundled with credit cards, insurance, and fee discounts for an annual fee.
- Introductory / Honeymoon Rate Loan – Lower rate for an initial period, then reverts to a higher ongoing rate.
- Green Home Loan – Offers discounts or benefits for energy-efficient homes or renovations.
- Reverse Mortgages / Equity Release - Access part of a home’s value as cash without selling, with the debt (plus compounding interest) repaid when they sell, move out, or pass away.
Just share a few details about you and your financial situation, and we can start to negotiate the best options that suit your specific needs.
Applications don’t affect your credit score.
We do the work so you don’t have to.
- We are home loan specialists for first‑time buyers, upgraders, or refinancers.
- We have access to exclusive rates from national Australian banks and lenders.
- We offer fast approval success rates with competitive deals tailored to you.
- We provide end‑to‑end service — from understanding your needs, securing the best deal, managing the paperwork, and getting your loan approved.
"Fast, professional, and they genuinely cared about getting me the right loan, not just any loan."
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