Home loans fixed and variable rate mortgages

Offer available to customers in metro NSW, ACT, QLD, SA or WA. Eligible customers with a settled NRMA Home Loan can get 30% off an alarm purchase and installation, including 12 months of free monitoring, and 30% off purchase and installation of a CCTV system. If you have between 5% and 20% of the property value you may have a few options. And we understand that you don’t want to be busy with it every day. That is why we like to make your financial matters simple and clear. Sometimes being able to save up for a car seems a long way off.
We believe financial wellness starts with the right strategy. That's why we offer more than great loan solutions—we help you protect your income, plan for the future, and understand the bigger financial picture. Assured Home Loans has been helping Australians secure the right home loan since 1988. Whether you're buying your first home, upgrading, refinancing, or investing, we're here to guide you every step of the way.
We help you access first home buyer grants and schemes to reduce upfront costs and make homeownership more affordable. Credit assistance for enquiries submitted through this site is provided by Xcel Pty Ltd, Credit Representative #568072, under an Australian Credit Licence (ACL) issued by ASIC. Full licensee details, Credit Guide and complaints process are provided to you directly by your broker before any credit assistance begins, in line with NCCP Act 2009 s.158. Buying or building a new home (newly constructed or substantially renovated). It is paid in addition Non Bank Home Buying Broker Adelaide to any rate you secure on the comparison table above.

During an interest only period, your interest only payments won't reduce your loan balance. It's a type of insurance that helps protect the lender in case you're unable to repay your home loan. LMI is usually required if your Loan-to-Value Ratio (LVR) is above 80%, meaning you have a deposit of less than 20% of the property’s value.
Choosing to repay principal and interest means that you're actually paying off the  total home loan amount over the period of the loan, not just the interest charges. Estimate quickly what your home loan repayments might be for a new loan, or compare current and estimated future repayments for different scenarios if you have an existing loan. Get the certainty of knowing what your home loan repayments will be during the fixed period. Investors may also be offered attractive rental guarantees for a limited period. Make sure you do your homework on rental returns on similar properties in the area before accepting the developer’s terms. Builders will sometimes promise a high-rent yield to lure investors, build the cost into the property price and then subsidise any gap themselves for a short period.
Although you will not get to design everything as you would with a custom-built home, most off-the-plan developments allow some customisation of finishes and fixtures. Make sure your contract outlines what you can tailor and that you are clear on any additional costs. The extra savings will help us to pay other bills, save for our kids’ futures and our holidays, and help us pay off the house quicker. We recently met with Josh to discuss our options in buying a house for our family. We found Josh to be professional, very knowledgeable and gave us our results very promptly.

But it's only a hypothetical calculation based on a specific loan amount and term. It's not that useful because every borrower's situation is unique. If you’re looking to reduce your mortgage repayments, refinancing to a lower interest rate, or extending your loan term are two strategies that could be considered to lower your monthly mortgage costs. If Adelaide Bank was on your shortlist for its fee-light products or fixed-rate offset, Bendigo Bank is the direct successor and the sensible comparison point today. See our Bendigo Bank home loan review, or have us compare Bendigo Bank and 30+ other lenders against your situation. If Adelaide Bank’s fee-light products or fixed-rate offset were the appeal, Bendigo Bank (the same parent group) is the live comparison point.
With decades of experience as home loan brokers in Adelaide, we’ve helped families, professionals, and investors secure competitive loans that align perfectly with their goals. Our clients trust our local home loan brokers Adelaide for reliable, transparent guidance. We are experts in the [First Home Owner Grant (FHOG)], which provides up to $15,000 for new homes and can help you with stamp duty exemptions. We ensure you claim every benefit you’re entitled to, which is crucial in a market like Adelaide. With 15+ years of lending experience and more than 1,200 clients served, our Adelaide brokers deliver trusted, transparent and accurate guidance backed by proven local expertise.

You can redraw as often as you like, if you have made additional repayments over and above your scheduled repayments. Eligible banking, technology and senior federal government employees may now qualify for an LMI waiver with just over a 10% deposit.... Our team of mortgage experts will assist you within 24 hours. Home Loan Experts can help you get a mortgage anywhere in Australia. We are based in Sydney, but our services are not limited by location. Get ongoing customer care and support throughout the life of your loan.
For most people, the best home loan typically has a low interest rate, no fees and an offset account. Explore the differences between two different loans including honeymoon rates, upfront, monthly and discharge fees. At Home Loan Experts, we've helped thousands of first-home buyers realise their dreams of homeownership. We can also help property investors or those looking to refinance their mortgages. There may be some scenarios where you need to pay a fee, but that depends on the complexity of the loan, loan size and type of loan.