Home Finance

Home & Investment Loans

Buying a home is a major milestone in life. It can be both exciting and daunting. We are here to support you throughout your home buying journey and beyond.

Whether you are buying your first home, refinancing, building your dream home, consolidating your finances or looking to invest, we help find the right loan for your needs and goals.

Working for you

We negotiate with major banks and trusted boutique lenders, saving time and guiding you every step from loan application, pre-approval, right up to settlement.

Dedicated specialists

We help you understand your borrowing capacity, serviceability and how to maximise and unlock equity to assist with wealth creation strategies.

Financing your future

We pride ourselves on providing financial solutions to assist you with building wealth through property investment.

Types of Home & Investment Loans

We offer a number of different types of home & investment loans designed to match your needs. The loan or combination of loans which best suit you will be based on your individual preferences and circumstances.

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Fixed rate home loans

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Variable rate home loans

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Split home loans

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Interest-only home loans

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Bridging Loans

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Construction Loans

Fixed rate home loan

A fixed rate loan simply means that the interest rate is “fixed” for a certain amount of time – commonly between 1 year to 5 years.

The main advantage of a fixed rate loan is that it gives you certainty of repayments over the fixed term. The interest rate is guaranteed not to go up (or down) over the fixed period, so you know exactly how much you will be repaying each month and can budget accordingly.

Fixed rate loans are however more inflexible than a variable rate loan. Generally, large additional payments cannot be made and you may face a break fee if you decide to refinance your loan or sell the property before the end of the fixed term. There is usually no offset account or redraw features with this type of loan. With that said, the fixed rates on home loans are historically low at present due to Australia’s record low official cash rate, making it a good time to look for a fixed rate home loan should this be your best option.

Variable rate home loan

A variable rate loan means that the interest rate will rise and fall with the market over the period of your home loan. This may be in response to movements in the official cash rate or may simply be a business decision by your financial institution.

The main advantage of a variable rate loan is flexibility. While you must meet your minimum monthly repayment, you can usually pay more if you want to. There is also no cost penalty if you decide to sell your property and move. An offset account is a great feature of this type of loan. The idea is to hold surplus funds in this account to minimise the interest you pay on your home loan. This in turn helps to reduce the time it takes to repay your loan and allows you to own your home sooner.

The difference with a variable rate loan is that your minimum repayment amount may rise or fall at any time. This makes it harder to plan and predict your repayments, which can be worrying if your budget is tight or you have a temporary reduction in income eg taking parental leave after the birth of a child.

Split home loan

A split loan is simply a combination mortgage whereby part of your home loan is on a fixed rate and part is on a variable rate. A split loan can be a good middle ground between a variable rate and a fixed rate home loan, providing both the flexibility of the former and the security of the latter. You can have the best of both worlds.

Interest-only home loan

An interest-only home loan is one where only the interest is paid, rather than both the interest and the principal. This type of loan can be useful for investors who can claim the interest as a tax deduction. This type of loan also lets you maximise your cash flow by requiring lower monthly repayments.

Bridging Loans

A bridging loan allows you to secure the purchase of your new home prior to having sold your existing one. It is a short-term facility, usually 6 months and is a slightly more expensive path to take. However, it can provide peace of mind by not having to rush and sell and eliminates the stress of co-ordinating a simultaneous settlement.

Construction Loans

A construction loan is a type of home financing designed specifically to help those who are building their home with a project builder under a fixed price building contract. The loan funds are paid directly to the builder at the completion of each stage. You will only pay interest on the funds that have been used. Once the construction is complete your loan will revert to a principal and interest facility. Most lenders offer the same interest rates for a construction loan as they do for their regular home loans.