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First Home Buyers Refiancers

Choosing a loan

Whether you are buying your first home or your fifth home Homeloans will have the answer for you.

Select the statement that best describes you and we’ll guide you through the process

Are you?
Buying your first home
Refinancing, wanting a better deal
Consolidating debt
Buying an investment property
Self-employed
Building a home
Planning to move house or buying a new home
Renovating

Loan types explained

Variable and fixed rate loans – Loans for borrowers with full income evidence.  More…

Lines of credit - Ideal for those expecting to need funds for investing or renovating – draw down the money as you need it.  More…

Split or combined loans – If you are unsure whether or not to stay variable or to fix your loan, you can do both or if you’d like the flexibility of a line of credit and the low rate of a term loan you can with a split facility.
A split loan allows you to package a variable rate with a fixed rate.  If you’d like the security of a fixed rate home loan, and the benefits of a variable loan, you’ll get the best of both with a split rate loan. Split loans are also sometimes referred to as the combination of a term loan and a line of credit.

Bridging finance – Buy your new house before you sell your current one.  More…

100% offset loans – Make your money work for you and decrease the amount of interest you pay each month.  More…

Lo doc loans - Less paperwork, less financials required, ideal for self-employed borrowers.  More…

A Homeloans consultant or accredited mortgage broker can help identify which loan is right for you. 

Contact us to ask a question or meet with a consultant.