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Residential Home Loans
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Owner-Occupier Home Loans
An owner-occupier loan is designed for people purchasing a home to live in as their primary residence. These loans often come with competitive interest rates and a range of flexible features.
Suitable for:
First home buyers
Families
People upgrading or downsizing their home
Investment Home Loans
Investment loans are for purchasing residential properties that will be rented out or held as investments. These loans may have different lending criteria and interest rates compared to owner-occupier loans.
Suitable for:
Property investorsFirst-time investorsGrowing property portfolios
Suitable for:
Property investorsFirst-time investorsGrowing property portfolios
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Refinancing Home Loans
Widely known as the refinance specialists, we negotiate competitive interest rates and loan solutions tailored to your financial goals.
Refinancing involves replacing your existing home loan with a new one. People refinance for many reasons, including seeking a more competitive interest rate, accessing additional loan features, consolidating debt, or adjusting their repayments.
Low Deposit Home Loans
Some lenders offer home loans that allow eligible borrowers to purchase a property with a smaller deposit than the traditional 20%.
These loans may require additional costs, such as Lenders Mortgage Insurance (LMI), depending on the loan-to-value ratio and lender policies.
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Guarantor Home Loans
A guarantor loan allows a family member, usually a parent, to provide additional security using their own property. This may help eligible borrowers purchase a home with a smaller deposit or avoid paying LMI.
Professional financial and legal advice should be considered before entering into a guarantor arrangement.
Construction Loans
Construction loans are designed for people building a new home. Funds are released progressively as each stage of construction is completed, rather than in one lump sum.
Suitable for:
Building a new home
Major renovations
Knockdown and rebuild projects
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Consolidate Debts
If you have multiple debts, such as personal loans or credit cards, refinancing may allow you to combine them into your home loan. This can simplify your finances by reducing the number of repayments you manage.
Because home loans often have longer loan terms, consolidating debt may reduce your regular repayments but could increase the total interest paid over time. It's important to consider the overall cost before proceeding.
Because home loans often have longer loan terms, consolidating debt may reduce your regular repayments but could increase the total interest paid over time. It's important to consider the overall cost before proceeding.