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About Us
Products and Services
FAQs
At Home Loans Canberra Pty Ltd we understand that you are the most important person in the transaction. Our experience helps us identify your needs and objectives and applying the most effective loan strategy to achieve them. With this, we will help you select the finance that suits your individual requirements.
Basic Home Loan:
The basic home loan is offered by most institutions, generally at a reduced interest rate. It has minimal features but is very attractive to borrowers that are looking for a loan without all the other account features.
Lease / Hire Purchase:
A Home Loans Canberra Pty Ltd consultant can assist with organising your lease/hire purchase, to purchase a vehicle or do a fit out.
Variable Home Loan:
The standard variable home loan has greater flexibility, more features and better options than the 'basic home loan’.
Fixed Rate Home Loan:
A fixed rate home loan offers borrowers the security of knowing what their repayments will be regardless of interest rate changes.
Construction Loan:
A construction loan is a loan for those borrowers wishing to build a new home or substantially renovate their existing property.
Line Of Credit:
A line of credit is a revolving facility that allows the borrowers the flexibility to redraw back up to the approved facility limit at any time.
Debt Consolidation, Refinancing
Fixed Rate, Homes, Investments, Variable Rate
Leasing
First Home Buyers
Financial, New Homes
Loans, Owner, Reverse, Borrowing, Residential, Repayment, Lender, Vehicle, Interest, Gearing, Mortgage, Real, Asset, Approval, Solicitor, Deposit, Construction, Occupied, Estate, Rate, House, Hire, Canberra, Application, Investment, Bank, Variable, Legal, Equity, Money, Credit, Bridging, Comparison, Guarantee, Relocation, Home, Fixed, Purchase, Broker, Lease, Chattel, Auction, Finance, Service, Commercial, ACT, Equipment, Conveyancing, Bond
Mortgage brokers are finance advocates. We help you find the deal that best suits your needs & circumstances & then take care of the application process for you, liaising with the “banks” & your solicitor from start to finish on your behalf. We are able to offer our clients a wide range of choice across a large number of financial institutions.
Your choice may not always be based on price alone, but will also consider the requirements of our lenders to ensure a successful outcome for our clients.
We start by learning about your financial goals and future plans; we assess your needs and create a tailored package to suit your short and long term financial and lifestyle objectives. Once you are happy with the package we help you to complete the banks application. We handle every step from submission to approval and follow it through to settlement. We offer an ongoing support and an alternative to the banks call centres when our clients need advice following settlement.
In most cases, we are paid direct from the financial institution that we write your loan through. If there is any change this will be advised in writing before you make any commitment to proceed.
Lenders find mortgage brokers are a cost-effective means for them to obtain new business. Like online companies, banks don’t have to pay for our bricks and mortar; they only pay have to pay us for successful new business.
We are able to offer you more choice in your finance options. You also have the benefit of dealing with staff who have many years of experience in the industry. We have the knowledge to evaluate your needs, make comparisons and negotiate better terms and conditions for you. We will also liaise with all parties from the time of submission through to approval and settlement.
First home buyers may be eligible to receive a grant toward the purchase of their property. This scheme will be administered by the states and territories and the terms and conditions of this may vary from state to state and year to year. You will be eligible to apply if you: are buying or building your first home, are an Australian citizen or permanent resident, intend to make the home your principal residence and start living in the home within a specified time.
Some recent research shows that mortgage brokers across Australia now assist in the arranging of the finance for approx. 55% of all new loans. This is a big number and it continues to grow. The figure varies from lender to lender but in some instances, it can be as high as 100% for institutions that operate purely through the broker channel. And whilst this is a little obvious, the figure is as high as 80% for a couple of the major banks despite, them having in house lending staff.
There is a lot more to a loan than just cost. You will need to weigh up the other features of a loan including access, convenience, flexibility, whether there are any fees for redraws and/or availability of phone and internet banking. Features like these add to the value of the loan, and should be taken in to account when making your final decision.
Please call us by using the numbers or links on this advertisement. All Home Loans Canberra Pty Ltd staff are experienced and qualified in their respective positions and take pride in providing a friendly and professional service. We will walk you through the entire process up front and keep you informed things progress.
