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Our award-winning mortgage brokers will find you the right home loan for your situation.
Do I qualify for a 10% deposit loan?
- Loan purpose: Purchase, refinance or build an owner occupied or investment property. Debt consolidation on a case by case basis.
- Credit history: Minor paid utility defaults and other small defaults are sometimes acceptable if your application is strong.
- Other debts: You must be paying your current liabilities such as rent, credit cards and personal loans on time.
- Employment: Stable employment is preferred, generally 6 months in your current job or 2 years in the same line of work.
- Income: You must be strong financial position to pay the home loan.
- Savings: 5% of the purchase price that you’ve saved yourself over 3 months is not required by all lenders. Conditions apply.
How do I get a 1.10% rate discount?
To qualify:
- Applicable for all loans over $500,000 and then the discount drops to 1.00% for all loans over $250,000 up to $500,000.
- Purchases and refinances are both accepted.
- You don’t need savings of your own to cover the cost of the deposit if you’re paying rent.
- You can borrow no more than 90% of the property value plus Lenders Mortgage Insurance (LMI) (up to 95% on a case by case basis).
- You must have been in current your job for at least 3 months, with 24 months in the same line of work.
- You need a perfect credit history.
Can I get a 90% home loan over $1 million?
One of our banks has an agreement with their mortgage insurer and so can consider a 90% loan up to $2,000,000 for people who are in an exceptionally strong financial position.
How we find you the right solution
We get a complete understanding of where you’re at and what your ultimate goals are.
You’ll get a recommendation in just 3 easy steps.
Step 1
Enquire online
or call us
Step 2
We assess
your situation.
Step 3
We find you the
most suitable loan.
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Testimonials for Home loan Experts
“ …From the beginning the service, care and attention to my needs was outstanding. And that continued with every contact, in fact I’d say it got better, which is counter to what happens almost everywhere else….”
Glen Campbell
“ …He was able to quickly and with minimal fuss, find us a loan at a good rate when others told us it would be too hard. Very impressed with their service and would highly recommend the home loan experts in the future”
Kim Thoa Bui
“ …offered fast service and made the whole refinance process simple. And I love simple!
Thank you for getting me a great deal with a home loan that really suited my needs….”
Tracey A