Home Loan

Get the Home Loan at competitive Rate

Home Loan

Buying a home is one of the most important decisions of a person’s life, whether you are First Home buyer or already in the market looking to move into new property we are here to help. Buying a house for FHB can be exciting but overwhelming experience, with are expertise in First Home Buyers we assist you throughout the process.

Once you start thinking about buying your first home we are your first point of contact so that we can assist you with your borrowing capacity, Funding calculations and pre-approvals so that you are ready to buy your first home.

We pride ourselves possible being able to provide our customers in obtaining the best home loan solution available for them. We negotiate, handle all the paper work and ensure tailor made solutions for our clients based upon their eligibility, needs, requirements and preference.

Types Of Home Loan

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Fixed-Rate Home Loan

A fixed-rate simply means that the interest rate is guaranteed for a certain amount of time – commonly between 1 year to 5 years. The benefits of a fixed-rate loan are that you know what your repayments will be over a specific time frame and you can budget accordingly. The interest rate is not going to go up (or down) over that period.

Variable-Rate Home Loan

A variable rate means that the interest rate will rise and fall with the market over the period of your home loan. This can be in line with movements in the official cash rate by the Reserve Bank or it may be a decision by your financial institution to vary their rates.

Split Home Loan

A split loan offers the best of both, offering the certainty of a fixed rate and the flexibility of a variable rate.

FAQ

The more information you can collect up front, the more prepared you’ll be should you run into any unexpected expenses along the way. To help you understand the various fees you’ll need to cover, your lender should give you a Closing Disclosure detailing all the costs associated with your loan. It’s a good idea to compare the Closing Disclosure to the Loan Estimate.
The more information you can collect up front, the more prepared you’ll be should you run into any unexpected expenses along the way. To help you understand the various fees you’ll need to cover, your lender should give you a Closing Disclosure detailing all the costs associated with your loan. It’s a good idea to compare the Closing Disclosure to the Loan Estimate.
A fixed-rate mortgage keeps the same interest rate for the life of the loan, typically a 15- or 30-year term. This keeps your monthly payment for principal and interest steady and predictable over time. Adjustable-rate mortgages, or ARMs, have interest rates that change based on the market, so your payment will go up and down. Most ARMs are based on a 30-year term and typically start with an initial fixed interest rate for a specific period of time, usually 5, 7 or 10 years. It’s important to compare these two types of mortgages to find what’s best for your situation.

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