Home Loans Low Doc offer for people with credit impaired or difficult circumstances:

  1. 100% Offset Facility*
  2. Interest only periods – maximum 60 months, investment loans only
  3. Debt consolidation – maximum 4 debts
  4. Cash Out – maximum $100,000
  5. Solutions that may fit borrowers with imperfect credit history
  6. Tailored lending for accepted exceptions (on application)
  7. Maximum LVR of 70%
  8. $330 Annual Fee
  9. $399 Settlement Fee (plus Disbursements – usually $95.70)
  10. Income Verification – Declaration of Financial Position plus two of the following:

– Accountant Declaration

– 6 months BAS

– 6 months Business Bank Statements

The above loan offer is available for Business people where an accountant’s letter may be used as proof of income.

This is only one of the loan types that we have on offer. PAYG loans are paying your tax as you go. They are of a lower interest rate, currently in the vicinity of 3.71% – 3.72% comparison rate. Comparison rates are calculated on specific loan periods and amounts.

When there are small differences in interest rates the monthly repayment will not be excessively different as can be recognised by the following examples.

3.71% pa

Variable

Comparison Rate 3.72% pa**

Contact us today as this is what mortgage brokers do – we get you the best loan possible. We offer professional, FREE advice. Why wait?

If you have a home loan of $400,000.00, in the following cases you can save considerable money. Loan repayments shown are calculated at principal and interest over a 30 year term.

Caution, very low interest rates incur much higher deposits of up to 30%.

 In the first case if you have a home loan of $400,000.00 and only pay 3.59% interest, your repayments would calculate at $1,816.33 per mth at variable principal and interest rates.

 If you are currently paying 0.50% more per mth or 4.09% per annum then your payment would be $1,930.00 per mth costing you an extra $114.00 per mth that you could be saving.

 If you are paying 4.59% per month 1% more than 3.59% then you are costing yourself $231.00 per mth more than what you should be paying.

If you are paying 5.00%, then you are costing yourself $330.96 per month that you should abe saving.

 Anything over 5.00%  without good reason, then your payments are totally out of hand. Speak To Your Broker”, who will direct you to the lowest possible interest rate for your specific circumstances.

Again, if your home loan is over $400,000.00 you may save considerably more.

 We are in favour of saving you money rather than seeing you misinformed and out of pocket

With changes in the banking system, Investment loans are at slightly different interest rates these days, however, interest only may be applied.

Today might be a good day to have a serious look at your home loan interest rates and where you are headed with your home loan.

In our scenario examples, we have chosen rates at around what you might be paying if you have a loan of $400,000.00. Of course if your loan is less, then your repayment savings will be less.

If your loan is higher, or you have obtained a low document loan line of credit or lending from a lender who charges higher interest rates, then we would suggest you seriously consider refinancing today. It’s all about reducing the impact on your pocket.

Of course you need to qualify for these home loan rates. Call us to discuss how to get the best rate possible for you.

First Home Owners 

For your first home loan we’re sure you would like to start off on the right foot. This would be with the very best loan that you can obtain, currently with a 3.71% interest rate. Should you apply, we will go to the end of the Earth to get the best home loan we can for you.

Refinancing or Equity Loans.

Whatever your situation, this is a great opportunity to look into all your financial affairs and get the very best loan that is possible for your circumstances. It may be that you have Credit Card finance that you want to roll into a lower interest rate or a car loan that could be holding you back financially. Take the opportunity to look at a home loan finance check and if we can’t put you in a better position then, no harm done. This will cost you nothing but a few minutes of your time in the comfort of your own home to look at your financial situation. It is easy to make a decision to save yourself money.

We know life gets busy. So when you don’t have time to drop into your local office, you can contact one of our mobile lenders. From buying your first home to upgrading or refinancing, our experts are on call to help you find the home loan that’s right for you.

**Comparison Rate Warning
Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only.

Warning:

This Comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different Comparison rate.

**Comparison rate warning
Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only.

WARNING: This Comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different Comparison rate.