Home Loans
At The Loan Home, we're Finance & Mortgage Brokers based in Randwick, NSW helping clients get into their home sooner with a range of Home Loan options
Rated 5 from 36 Reviews
At The Loan Home, we're Finance & Mortgage Brokers based in Randwick, NSW helping clients get into their home sooner with a range of Home Loan options
Rated 5 from 36 Reviews
When it comes to getting a Home Loan, having a number of lending options is critical to making the best choice. We have access to thousands of products from lenders across Australia including the major banks, credit unions, and building societies. We support our clients throughout the buying process including doing the legwork for you right through to settlement. We'll make sure you always get the best possible interest rate on your Home Loan and can even compare cash-back offers for you.
When looking at different Home Loan Options, it's important to understand some of the key loan attributes:
Principal and Interest: This is the most common type of Home Loan. With a principal and interest Home Loan, you not only pay the interest on the borrowed money but also a portion of the actual loan amount. It means you're slowly paying off the loan while also covering the interest.
Interest Only: With an interest-only Home Loan, you only pay the interest on the borrowed amount for a certain period, usually around 5 years. This can make your initial repayments lower, but keep in mind that you'll still need to pay back the full amount later on.
Variable Rate: On the other hand, a variable rate Home Loan means the interest rate can change over time due to various factors like changes in the economy. While it might offer flexibility and potentially lower interest rates, it could also mean that your repayments may vary.
Fixed Rate: A fixed-rate Home Loan means the interest rate stays the same for a set period, often 1 to 5 years. It provides stability and predictability because your repayments won't change during this time, making it easier to budget.
We're a proud member of the Mortgage and Finance Association of Australia and have clients right across Australia. If you're looking to get a Home Loan, we have the expertise and experience to guide you through the process of finding the right Home Loan for your needs.
Initial Consult
We’ll meet, either in person or via an online meeting, to discuss your current financial situation, all your hopes and dreams, and what is most important to you in a Bank or Lender.
Preliminary Assessment
We will then request all of the information required to complete a financial assessment. Think bank statements, payslips etc. We know - this part might trigger bad memories! But we are here to make it as simple as possible.
Review Options
We then review various banks and lenders offers in the market to find the most suitable Home Loan. And of course reduce your Interest Rate, and any other costs, as much as possible!
Get It Done
We’ll talk you through all the important bits, help you to choose your new Home Loan, and to complete the formal documentation. Then we’ll hold your hand all the way to settlement and beyond.
Book AppointmentKA
Kenneth Averre
I can highly recommend Jess and The Loan Home after an easy and comprehensive refinance. Very little effort required on my part, heaps of effort and patience required on Jess's part. A super quick and efficient process for which I am very grateful. You cannot go wrong!
SS
Sophie Scott
Jess is extremely efficient, strategic and easy to work with. I recommend!
JT
Julia Thoener
I loved working with Jess! She made sense of the incomprehensible, and did it with a smile and in a genuinely engaging manner. I’ve bought and sold a number of properties over the last 25 years - I just wish I would have had Jess on my side previously. I would likely have fewer grey hairs. Thoroughly recommend Jess!
We’re Commercial Bankers from way back! We’ll find you the policy, pricing and terms you need for your:
• Asset and Equipment Finance
• Business Purchases or Shareholder buyouts
• Cashflow Financing requirements including Trade Finance
• Specialised industry lending e.g Pharmacy, Childcare, Professional Services
They’re known to be tricky but we’ll work with you, your Accountant and your Solicitor to make it as simple as possible. Talk to us about purchasing property in your Self Managed Super Fund.
It’s our jam! We love it. We can help with all of your commercial property lending requirements. Whether it’s a warehouse, an office space, a pub, daycare or pharmacy – we’ve done it all before!
• Purchases and refinances
• Investors and Owner occupiers
• Fit Outs
• Commercial construction and development
Not sure what kind of loan you need for your current financial circumstances? That's our job. We take the time to deeply understand your current financial position and needs so that we can deliver tailored finance solutions chosen from a panel of leading lenders. Talk to us today - we will help you to make sense of what you need and what options are available to you.
There are literally hundreds of loan products on the market today and it is our job to help you find the right solution to suit your needs. We can help first home buyers, next home buyers, refinancers and investors. We also have extensive experience supporting Business owners with all of their cashflow and lending needs. Have a look below to see what kind of services we offer, or call us to discuss your specific requirements.
It’s our bread and butter – we are here to help with all of your standard residential lending requirements.
• First home buyers, next home buyers, property investors or refinancers
• Debt consolidation, top-ups, equity access
• Residential construction and development
The Loan Home Pty Ltd ABN: 16 664 951 188. Credit Representative #546901 is authorised under Australian Credit License #389328.
Disclaimer: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.
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