Home Loan

We found the team at Home Loan Solutions excellent to deal with. The have all the information you need to know and kept is informed every step of the way. I now refer them to family and friends. J & T Travaglini- Willetton Whether you are first home owner or an experienced property investor we have the home loan to suit you. Loan Products Available As part of AFG we have access to hundreds of products. Self employed, casual or an employee we have the right solutions or you. It is important that you consider not only the institution but the product on offer in determining which product suits you. Our Flex software programme will assist all parties in working together to obtain a package that suits you and cost you less in the long run. First Home Owners Buying your first home can be an exciting yet daunting process. At Home Loan Solutions we can make it easier by helping you through all the steps and assisting you with government programs such as the First Home Owners Grant. We have a number of products via our panel of lenders and in some circumstances you may be able to borrow 100% of the property value, without having to save for a deposit. Professional Packages Many lenders will offer a discounted interest rate based on the amount you borrow. This discount may apply for the term of the loan. Depending upon the amount that you wish to borrow and your ability to service the loan, you may be entitled to a discount on your interest rate. This in turn may save you thousands and thousands of dollars on the term of your loan. Low Doc Loans These are usually geared towards the self employed that do not have up to date tax returns available. Whether refinancing, purchasing, owner occupier or investment we may be able to help today without your financials. Conditions apply however we have helped many trades people, consultants, builders and a whole host of self employed people obtain finance. While you do not have to prove income you must declare an income. No Doc Loans These loans are similar to Low Doc loans the major difference is that they lend a little less on each property; however you do not need to declare an income on any paperwork. Credit Impaired If you have issues with your credit history in the past we do have Lenders available that may be able to assist. We always recommend that if you feel you may have an issue with your credit history to either call Baycorp/Veda on 1300 762 207 or visit their websitewww.mycreditfile.com.au Depending upon your credit history the lenders and interest rates offered may vary. Fixed Rates Loans These can be either Principal & Interest or Interest only facilities. There are advantages and disadvantages in fixing your home loan. Our free report outlines these. If you are chasing a repayment that does not change during the fixed rate period then this may be the way to go. If however you wish to pay lumps sums or may sell a property prior to the fixed rate period then this type of product may not suit. Investment Loans These are for the borrower who wishes to have a product that will assist in purchasing an investment property. These can be fixed, variable principle and interest or interest only. Loan terms are generally up to 30 years. Depending upon your current equity position you may be able to borrow up to 110% of the investments property’s value. Reverse Mortgage This is a product that is beneficial to retirees that wish to use the equity in their home for holidays, renovations or additional income. Conditions apply- speak to us today.