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Home Loans
Home loan solutions with flexible structures including variable, fixed and split rate options
What is a Home loan?
Home loans are residential lending products used to purchase or refinance a property.
A wide range of lenders offer different loan structures, with varying interest rate options and features. This includes variable, fixed and split rate options, offset accounts and redraw facilities.
These options allow borrowers to tailor their loan to suit their individual needs.
Common Home Loan Lending Scenarios
Home loans can support a range of property goals, whether you're entering the market or reviewing your existing lending
Changing Circumstances
Life changes such as growing families, relationship changes, changing employment or evolving financial goals may mean it's time to review your home loan options.
Buying a Home
Whether purchasing your first home or your next home, a home loan can help finance the purchase. Different lenders offer varying interest rates, features and lending policies, making it important to choose a loan that suits your individual circumstances.
Accessing Equity
As equity builds in your home, it may be possible to access available equity. Subject to lender approval, the equity can be used to fund renovations, purchase an investment property, consolidate debt or cover other approved expenses.
Refinancing a Home Loan
As your financial circumstances change, your existing home loan may no longer be the most suitable option. Refinancing your existing mortgage may provide an opportunity to secure a more competitive interest rate, adjust your loan structure or access additional features.
Buying a Home
Whether purchasing your first home or your next home, a home loan can help finance the purchase.
Different lenders offer varying interest rates, features and lending policies, making it important to choose a loan that suits your individual circumstances.
Accessing Equity
As equity builds in your home, it may be possible to access available equity.
Subject to lender approval, the equity can be used to fund renovations, purchase an investment property, consolidate debt or cover other approved expenses.
Refinancing a Home Loan
As your financial circumstances change, your existing home loan may no longer be the most suitable option.
Refinancing your existing mortgage may provide an opportunity to secure a more competitive interest rate, adjust your loan structure or access additional features.
Changing Circumstances
Life changes such as growing families, relationship changes, changing employment or evolving financial goals may mean it's time to review your home loan options.
Factors Lenders May Consider
Every lender has different assessment criteria, however there are several common factors that are typically considered when assessing a home loan application, including:
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Income and employment stability
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Deposit size and loan-to-value ratio
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Credit history and repayment behaviour
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Existing debts and financial commitments
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Loan structure and feature preferences
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Overall serviceability assessment
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If you'd like to explore your Home Loan options, obligation free, please get in touch.
Related Lending Solutions
Depending on your strategy, Home Loan lending can often overlap with other finance solutions, including:
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Designed to support portfolio growth and long-term wealth creation
Development & Construction Finance
For property development projects and staged construction funding
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To help you purchase a new property before selling your existing home
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Lending criteria, fees, charges and eligibility requirements vary between lenders. All applications are subject to individual assessment and lender approval.