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Owner occupied deals From 5.99% p.a. Comparison Rate* 6.01% p.a.
* The comparison rate is based on a loan amount of $150,000, over a 25 year term. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.


What do I need to help the process?

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Generally the lenders will ask us for the following items however before our first meeting, we’ll talk you through everything that is required so you have plenty of time to get organised:

• Proof of income (pay slips)
• A deposit backed by a proven savings history.
• A good credit history (we can still help if you don’t)

How much do I need for a deposit?

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Most lenders ask for a 5% deposit of the property value but if you have saved more that’s great as it makes borrowing from the banks and lenders even easier. You also need to factor in purchase costs such as stamp duty, conveyancing and the potential impacts of lenders mortgage insurance (LMI). In general, the more you have saved, the more options you have and the easier the approval process becomes.

How much can I borrow?

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We have a calculator to help indicate how much the lenders will likely lend you however we will personally assess your situation and be able to provide you with a more exact figure. General speaking, the more money you earn and the less debt you have, the more your capacity to borrow will be. Each lender will be slightly different.

Can I get the First Home Buyers Grant?

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If you’re building or buying a new or substantially renovated home, you may be eligible for the first home buyer grant. There are several factors that determine your eligibility and each Australian state and territory can be different. See our first home buyers page for additional information.

Do I qualify for a Stamp Duty waiver or concessional rate?

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The purchase price of your home or vacant land will dictate whether you qualify for the stamp duty waiver or concessional rate. See our useful links and blog section for more information.

How much money do I need for fees and charges?

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This will vary depending on the lender you choose, the purchase price of the property, the deposit you contribute and so on. Once we have more information about your loan requirements and intended property purchase, we’ll be able to provide a realistic figure for expected fees and charges.

What is Lenders Mortgage Insurance?

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Lenders Mortgage Insurance (also known as LMI) is a fee charged by lenders, when your deposit is below 20% of your property’s value. It can be a big hurdle, but most lenders will add it to your loan, so you don’t have to save up for it and we may be able to help you avoid this cost altogether.

What is a Loan to Value Ratio?

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Loan to Value Ratio (LVR) is the amount of money you wish to borrow in comparison to the value of your property. So, if you want to buy a house valued at $500,000 and you a have a $100,000 deposit, your LVR would be 80%. Most lenders adjust their interest rates relative to the LVR and have specific ratios to which they will lend to.

What’s the difference between variable and fixed rates?

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A variable interest rate is a changing loan interest rate that fluctuates at the banks discretion usually in line with market interest rates. As a result, your payments will vary as well. Fixed interest rate means the interest rate will stays the same for the period of the loan – and so will your repayments. You can fix your rate for a particular period of time, normally between 1 and 5 years, and is beneficial when interest rates are on the increase or want certainty over repayments.

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