Home Loan Info

Investment loans reviewed How to choose the right loan for your purpose

If you want to invest in property in Australia, then you will most likely apply for a property investment loan from one of the home lenders. In the past, investment loans used to purchase investment properties charged a slightly higher interest rate than home loans for owner occupiers. However, with increased competition in the home loan market in Australia, you can now find an investment loan for a property with the same low interest rate available to owner occupiers. Here we look at investment loans for property investors.

Top 10 Tips To Making Your Home Loan More Manageable

It can be tricky to manage your finances, but when it comes to home loans there are some simple things you can do that could save you large amounts of dollars in the long term. Here we look at the top 10 tips to managing your home loan repayments.

Standard variable home loans

Perhaps the most common type of home loan for Australian home owners is the standard variable home loan. The standard variable interest rate home loan calculates interest charges based on the Reserve Bank of Australia's current official interest rates. Standard variable rate home loans offer greater flexibility than the fixed interest rate home loan option. Here we look at some of the advantages of a standard variable home loan.

Negative Gearing Property - How negative gearing works who is it suited too

Over the past decade or so, investing in property has become all the rage in Australia, especially in the larger property markets of Sydney, Melbourne, Brisbane and the Gold Coast. Many budding investors have been attracted by the huge gains that have been achieved thanks to the Australia-wide property boom. Another attractive reason is that of the tax benefits of negative gearing. But is negative gearing into property really a good investment strategy?

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.

Home loans Perth Reviewed

With house prices on the increase in Perth and other boom towns in Western Australia, it's important to find the cheapest home loan possible. Here we provide some tips on getting the cheapest home loan in Perth.

Got no financial records? Don't worry, you may still get a home loan

If you have little or no financial records, in the past you would have found it very difficult getting a home loan. These days however, there are home loan options available to you with no doc and low doc home loans. Here we take a look at the home loan options available to those without the detailed financial records normally required by home lenders.

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.

Adelaide Home Loans and Mortgage Options Reviewed

Looking for a home in Adelaide? Thinking about home loans and finance, but wondering where to start. Our website is hear to assist you in your search for the perfect Adelaide home loan. Our partners are experienced in helping home buyers, just like yourself in finding the best solution available.

Is a 100% home loan a good thing for you?

There are a number of things to consider before you take out a 100% or 105% home loan. Borrowing 100% or 105% of the homes value can be a great way to get in your first home. But there is a downside, generally the interest rate is considerably higher than what it would be if you had a larger deposit. Here we look at 100% and 105% home loans and how they can benefit you and also some of the pitfalls of taking out such a loan.

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.

Negative Gearing Calculator Online

Variable Rate Home Loans

Variable rate home loans allow you to take advantage of falling interest rates. With a variable rate loan the interest rate you pay on your home loan varies with the interest rate that is set by the reserve bank of Australia, this means that if interest rates fall so does the interest you pay on your home loan. Conversly, the down side is if interest rates rise you will be paying more interest on your home loan. Here we take a look at situations where you would consider taking out a variable rate home loan.

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.

Choosing the right mortgage broker in Perth

With Perth experiencing a property boom thanks to the continuing strength in the resources sector, the competition among mortgage brokers in Perth is high. For the Perth homebuyer, this is great news because the increased competition means that you will have a far better choice when choosing a mortgage broker to help you get the best possible home loan deal. Here we provide some tips on finding the right Perth mortgage broker.