Brisbane Home Loans Mortgage Options

When house hunting in Brisbane, there are a number of home loan options available to today's home purchaser. Fixed, variable or split rate home loans, the list goes on, but where to start? Here we take a look at some of the options to help you find the perfect home loan in Brisbane.

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Home loan options for the self employed in Brisbane

If you're a self employed person in Brisbane, you can still get a home loan to buy an investment property or a home to live in. Here we look at two options that may be suitable: the low doc home loan and the no deposit home loan.

If you run a small business or if you are self employed, you may have experienced some difficulty in getting a home loan in the past. These days however, the home lending market in Brisbane and along the Gold Coast and Sunshine Coast has become very competitive and this has led to a whole new range of products that specifically cater to your needs.

Low doc home loans available in Brisbane

Low doc home loans offer small business owners and the self employed the chance to secure a home loan in Brisbane without the need to provide evidence of your income. The low doc home loan option will suit those who have an uneven cash flow, or for those who have their personal and business income and expenses combined. All you will need to do is demonstrate to the lender that you are in a position to make your home loan repayments. You can use a low doc home loan to buy your own home or to buy an investment property. There are generally fixed rate and standard variable rate options available.

No deposit home loans available in Brisbane

With increasing property prices in Brisbane, the Gold Coast and Sunshine Coast, it is becoming increasingly difficult for some to get into the real estate market. If you are self employed or run your own business, you may want to get into the Brisbane property market but you don't want to use the existing equity in your business. The no deposit home loan may just be the right answer. With the no deposit home loan you can borrow 100 percent of the value of the property. With some no deposit home loans, you will be able to borrow even more, for example 106 percent. Depending on the lender and the particular no deposit home loan, the self employed can borrow for an investment property or for an owner occupied home.

So, for the self employed and small business owners wanting a home loan in Brisbane, there are a number of options to help you get into the property market, whether for investment purposes or for your own home.

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Stamp duty calculator online

Most states in Australia charge some form of stamp duty on real estate. And to make matters even more complicated for the property buyer, this differs in each state. Find out how much stamp duty you will need to pay in different states using our stamp duty calculators.

Home loans in Darwin

The Top End is booming and likewise Darwin has experienced a huge property boom in recent years. With more and more people moving to the Territory's capital, the choice for home buyers seeking finance has increased greatly. Today, there are many home loan options from both the traditional banks and the newer non bank lenders. While most of us are familiar with the large banks, the non bank lenders are relatively new on the scene. Here we take a look at the non bank lending market in Darwin.

Finding the right mortgage broker in Adelaide

Today, there are many options for Adelaide home buyers when it comes to getting the right home loan. But with so many different options, how do you find the best deal to suit your situation? Perhaps you should consider seeking professional help from an Adelaide mortgage broker. Here we provide some tips on how to select the right mortgage broker in Adelaide

Home loans in Hobart

While Hobart's housing market is strong, housing affordability has actually improved throughout 2006. Therefore, this improved housing affordability provides the perfect opportunity for new home buyers in Hobart to get into the property market before house prices rise further. Here are some tips for first home buyers in Hobart on home loans and the First home Owners Grant.

How interest rates are determined in Australia

In Australia, the interest rates used to calculate mortgage repayments are guided by the official interest rates set by the Reserve Bank of Australia (RBA). The RBA will change interest rates from time to time in order to control inflation. Here we look at interest rates including why they might rise or fall and the different interest rates that apply to home loan mortgages.