Home Loans

A home loan, also called a mortgage, is a financial agreement between a lender and a borrower, where the lender provides funds to purchase or refinance a property. The property itself serves as a security for the loan. Key components of a home loan include:

  • The loan amount
  • Interest rate
  • Loan term (typically 30-40 years).
  • The value of the property used as security 
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When Do You Need a Home Loan?

You’ll typically need a home loan when purchasing a property or refinancing an existing mortgage. Below are some common scenarios:
 

  1. Buying an Established Property
  2. Purchasing Off-the-Plan
  3. Construction Loans
  4. Refinancing Your Home Loan
Types of Home Loans by Purpose

Owner-Occupied Home Loans

These loans are for properties intended as your primary residence. They generally have lower interest rates compared to investment loans.

First Home Buyer Loans

First-home buyers can access various government incentives, such as grants and deposit schemes, designed to promote homeownership.

Investment Home Loans

These loans are tailored for purchasing or refinancing investment properties. Interest and associated costs may be tax-deductible.

Schedule a Free Consultation

Looking to buy your first home, an investment, refinance, SMSF loan or consolidating your debt, please submit the form for a obligation free consultation.

Our service areas include Blacktown, Schofields, Rouse Hill, Riverstone, Kellyville, Marsden Park, The Ponds, Tallawong, Stanhope Gardens and Quakers Hill.

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