Home Loans
First Home Buyers
Buying the first home always seems difficult process but we make it easy for you, we can assist you to get the First Home Owners Grant and guide you for Stamp duty exemptions. The introductory rate product aimed squarely at first home buyers and one which you’re likely to come across a lot. Also known as honeymoon loans, during that period you pay a discounted interest rate, these loans usually offer the lowest interest rate for an initial period of time. In this competitive market banks always have something to offer, to explore more contact us now.
First Home Loan Deposit Scheme?
The First Home Loan Deposit Scheme is an Australian Government initiative to support eligible first home buyers purchase a home sooner.
Under the Scheme, part of an eligible first home buyer’s home loan from a participating lender will be guaranteed by NHIFC. This is aimed at enabling first home buyers to purchase a home with a deposit of as little as a 5% deposit (lender's criteria apply).
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Land and Construction Loan
If you are planning to do new construction on your land you will require extra money, increase in your existing home loan or need a new construction loan we can help you to get your dream achieved by making the process easier. As the name suggests, this type of loan you might come across when building a new home, you will not need the entire amount of the loan drawn down all at once, therefore, we arrange a progressive repayment loan. The construction of a dwelling is generally divided into five stages and the loan is usually drawdown in progressive payments and the repayments also calculated accordingly. Our fully trained staff can assist you to find out the progressive payment loan.
LO Doc / ALT Doc
Low/Alt docs home loans are a loan option provided for borrowers who have limited documentation to support their home loan application.
If you are self-employed or own a small business and would have trouble providing proof of income, or regular paperwork, you can contact us to narrow down your search by comparing a range of ALT doc home loans and processing. Self-certify income and confirm the self-employment status (if appropriate) usually with a registered ABN & GST, accountant’s letter, BAS statements, Bank statements and have a clean credit history and good repayment record for existing or previous loans if they have any!
Bridging Loans
Many banks offer this product if you are in the process of buying a new property and selling the existing one but sometimes property sales don’t happen simultaneously and that can result of delaying with the funds which leads a major cash flow problem that might also cause you to miss out the new purchase at that time the bridging loan can help with your finances.
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