| Home Loan Product Selector |
I am a First Home Buyer and I want to buy an established home or build my first home to live in or I want to buy an established property as an investment or build my first investment property. I may not have any deposit so I need a 100% Home Loan or a No Deposit Home Loan or I may need to borrow additional funds so I need a 105% Home Loan or a 106% Home Loan or a 106% Investment Loan.
1. I
currently have an outstanding HECS* Debt
2. I earn over
$65,000 gross p.a.
3. I hold a HECS* funded degree from an
Australian University in any one of the following
disciplines
- Accountancy
- Finance
- Law
- Engineering
- Medicine
(MB BS)
- Dentistry
- Pharmacy
- Vet Science
- Podietry
- Psychology (must be registered with the
relevant State or Territory authority e.g. in NSW, the Psychologists
Registration)
I would like to buy another property either established or I may want to buy a House & Land Package. I could use this property as an Owner Occupier to live in or I could use it as an Investment Property. I presently own a property and wish to buy another property or have previously owned a property but lost it due to unfortunate circumstances and now I want to get back into the housing market but I don't have a deposit hence I need either a 100% Home Loan or a 105% Home Loan or a 106% Home Loan or a 100% Investment Property Loan or a 105% Investment Property Loan or a 106% Investment Property Loan.
I already own a block of land or am in looking to buy a block of land and build a house on it. I already have a builder in mind so I am looking for a Construction Loan or I am an Owner Builder and wish to build my own home hence I require an Owner Builder Loan.
I have found a new home I wish to purchase but I have not yet sold my existing property. I would like to move into the new home I have found whilst I am waiting for my existing home to sell. I am looking for either a Go Between Loan, a Relocation Loan or a Bridging Loan that will allow me up to 6 months to sell my existing home or investment property.
I have an existing property or a number of properties and I am considering the advantages of Refinancing into a better loan, a better loan structure or better Interest Rate. If I were to remortgage, I understand that I may be able to save a large amount of money on Home Loan Interest as well as structure a more suitable Split Home Loan or Fixed Home Loan to provide me with a Combination Loan package. I am also considering the advantages of a Line Of Credit Home Loan versus an Offset Home Loan.
I have an existing property or a number of properties plus a number of side debts and I am considering the advantages of Debt Consolidating all my loans into a single monthly Loan repayment. I understand there are a number of Lenders that offer Discount Interest Rate Home Loans or Rate Saver Home Loans that offer a Low Interest Rate Home Loan within the first 6 to 12 months. I also understand that by Consolidating all my debts into a Line Of Credit Account or Offset Account, I still have the flexibility of having ready cash available for life's needs and could ultimately reduce my monthly repayments dramatically whilst at the same time pay off my loans in a shorter time span.
I would like to Buy a House to live in, Buy an Investment Property or Refinance my existing Home Loan or Investment Loan. Unfortunately I am unable to produce Pay Slips, Group Certificates or Tax Returns. I am Self Employed and waiting for my Accountant to complete my Income Taxes but I want to buy or Refinance my property NOW! How can I obtain a Home Loan when I can not prove how much I earn.
I understand that Low Doc Loans are also called Lo Doc Loans or No Doc Loans.
My Credit File has been default listed through Baycorp Advantage or Veda Advantage and I am finding it hard or impossible to find a Lender that will give me a Home Loan or allow me to Refinance my Existing Home Loan. None of the conventional Banks, Credit Unions or Building Societies are willing to accept my Home Loan Application. I have not been default listed but I have been told that I have a Bad Credit Rating because I have some late payments or arrears on my existing Home Loan. Surely it is possible to get a Conventional Home Loan rather than using a Non Bank Lender.
A reverse mortgage helps seniors (pensioners, retirees) convert home equity to cash without committing to monthly loan repayments.
A reverse mortgage is a special type of loan that provides a senior citizen with the opportunity to convert the equity in their home into cash without having to sell their home, give up the title, or take on a new monthly mortgage payment. In order for you to be eligible for a reverse mortgage, you must own your home, it must be your principal dwelling, and you must be 62 years of age or older.
The Commercial Loan Market is extremely specialised and I have no idea where to begin. I may fall into one of the following categories of Business or Commercial Loans.
I do not have a home loan or am not presently wanting to Find Out About Home Loans but I am interested in other products you may have to offer. This is a list of the Loan or Finance Products I may be interest in.
I am also under the impression that it is possible to obtain a Nil Interest Visa Account when obtaining a certain Line Of Credit Account plus it is also possible to use the Equity in Real Estate through a LOC Account to obtain the money I would otherwise get through a Personal Loan. It is also possible to get a Car Loan or Vehicle Finance by using the Equity In Existing Property.
Not listing a loan category or specific loan scenario does not mean we do not have access to that lender, loan or product you may be seeking. Simply call our office and one of our qualified Product Specialists will assist with your enquiry.
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