So many questions,
so little time!

We’re all unique when it comes to our finances and borrowing needs. Use our calculators to estimate how much you may be able to borrow, keeping legal and lender requirements in mind. Or you can contact us today for a more fine-tuned calculation based on your circumstances.

Out of the hundreds of different home loans available, there’s bound to be one that suits you. Talk to us today and we’ll do the running around for you to find your perfect loan.

You’ll usually need between 5% – 10% of the value of a property. You can discuss your deposit options with us, and may even be able to borrow against the equity in your existing home or an investment property. You may even be eligible for a low deposit low product where all you need is a $3,000 deposit.

You can head to our Repayment Calculator for an estimate or just contact us! There are so many different loan products, some with lower introductory rates, and the only way to really find the right loan set up for you is to talk to us about the currently available deals.

Most lenders offer flexible repayment options to suit your pay cycle, but aim for weekly or fortnightly repayments, instead of monthly, as you’ll end up making more payments in a year. Trust us when we say it’ll help shave dollars and time off your loan.

The First Home Owner Grant is available to Australian citizens or permanent residents who are on their way to buying or building their first home, and it has to be their main residence within 12 months of settlement. To find out more about your eligibility and how much grant money you could receive, contact us directly.

It’ll depend what interest rate you’re currently paying, what type of home loan you have (e.g. fixed, variable, interest only, line of credit) and what features you want in your loan. We can help you explore your options so you don’t have to pay any more than you need to.

Depending on your loan, penalty fees could apply if you’re paying off your current mortgage early, but these could be offset by repayment savings when you switch home loans. We’ll walk you through any fees that could apply in your circumstances.

There are a number of fees and costs to keep in mind when you’re budgeting for a home loan. Here are the usuals:

Stamp duty

If you’re looking to build, you may only need to pay stamp duty on the value of the land.

If you’re looking at buying established, stamp duty rates depend on your property’s value.

Legal/conveyancing fees generally cover all the legal requirements around your property purchase, including title searches.

Construction draw down fees are what most lenders charge for drawing funds to pay the builder at various stages on construction loans.

Lender costs are also common, and they may include lenders’ establishment fees to help cover the costs of their own valuation, as well as administration fees. We’ll let you know what your lender charges when we find the right loan for you.

Mortgage Insurance costs might apply to you if you borrow more than 80% of the purchase price of the property. It’s called Lender Mortgage Insurance. You might also have to think about whether you want to plan for Mortgage Protection Insurance.