Variable rate loans generally offer more features and flexibility than other home loan products, particularly basic or “no frills” loan. With variable rate loans the rate can change at any time. Lenders usually raise or lower their variable rates in line with the Reserve Bank of Australia’s official cash rate.

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Investment loans are structured in a specific way to allow you to make the most of your capital and assets. We can help you to formulate an investment plan that works toward building your wealth and securing your financial future. We will then work with you to help ensure your finances are always working optimally to help you achieve your goals.

For some, the future may seem a long way off, but the time to act is now. When it comes to making a profit from investing in property, time is your friend. The housing market is generally a seven to ten year cycle: there are always highs, lows and steady patches. But over time, property values have proven to rise fairly consistently. That’s why a long-term investment strategy is considered to offer the investor the lowest risk.

Important: It protects them, not you! This is insurance that banks or lenders takes out against the loan they provide you. It’s a once-off fee the lender usually passes on to YOU, if you have less than a 20% deposit. It’s generally charged on a sliding scale – the less deposit you have, the higher the percentage of fee they charge.

It can range up to the tens of thousands, with most lenders allowing you to borrow at least some (if not all) of the fee on top of the loan. We can give you an estimate of the cost before you enter into a contract to buy a home, to make sure you’ve got enough funds to complete the purchase.

First home buyers may enjoy a grant from the government to assist with their first home purchase. Part of our service is to help ensure you receive any entitlements.

We’ll guide and help you to understand everything you should know about the home buying process.

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Fixed rate loans are set at a fixed interest rate for a specified period – usually one to five years. Fixed rate loans give you the advantage of knowing exactly what your repayments will be for the fixed rate term. If the rates were to drop you do not benefit during your fixed rate period.

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OFFSET: A mortgage offset account is a savings or transaction account that can be linked to your home loan. The balance in this account ‘offsets’ daily against the balance of your home loan before interest is calculated. An offset account can help you cut years off your home loan term and save money on interest.

REDRAW: A redraw facility is a loan feature that is usually available with variable rate home loans and some fixed rate loans. A redraw facility lets you access any extra repayments you’ve made on your home loan.

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The repayment on your mortgage will always include the interest payable on the amount borrowed, no matter what kind of loan you have. If you have a Principal & Interest loan (P&I), part of your repayment will also be allocated to reducing the balance of the loan. With an Interest Only loan (IO), your repayments only pay the interest that is due and do not reduce the balance (or the amount you borrowed). As a result, an IO loan can only be obtained for a limited period (usually up to five years). At the end of the IO period, the loan will automatically convert to a P&I loan unless you make an application to extend the IO period.

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A split rate home loan is a loan that allows you to split your home loan into multiple loan accounts that attract different interest rates. A common example is to split your home loan to obtain a variable interest rate on one portion of the loan and a fixed rate on the other.

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