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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The benefits of using an independent mortgage broker

When it comes to finding the best home loan to suit your individual needs and financial circumstances, you generally have two options. You can do all the research yourself or you can get professional help from an independent mortgage broker. Here we look at the reasons why it pays to consider getting help from an independent mortgage broker.

Renovation loans to help you improve your home

Over the past decade, Australian property owners have developed a love affair with renovating and redecorating their homes. If you need any evidence of this, then you just need to turn on the television to find a wide variety of home decoration and renovation shows. So, how do you get the funds to pay for your own home renovations? You can start with a renovation loan. Here we look at the options available for renovation loans.

Introductory home loans offer highly competitive interest rates - But whats the catch?

With the intense competition in Australia's home loan market today, home mortgage lenders are working harder and harder to capture our attention in order to win our business. One of the ways in which mortgage lenders attract our attention is by offering introductory loans with low interest rates for a period of usually between three and 12 months. Here we take a look at the introductory home loan detailing the benefits & pit falls of such an offer.

Refinancing your current home loan or home mortgage

With today's wide choice in competitive home loans, many home owners are tempted to refinance their home loans. Refinancing can prove to be a valuable option for home buyers but it can also have its traps. Here we look at some of the benefits as well as the risks, associated with refinancing.

Online home loan calculators help you find the right mortgage

In Australia, there are many different home loan options available thanks to the cut throat competition in the home lending market. For consumers seeking a home loan, this competition means that there are a wide range of innovative home loans available at very competitive interest rates. So how do you find the best deal for your individual needs? Well, you can start by comparing how much your repayments will be by using our home loan repayment calculators.