Home Loans

Interest Rates: Typically lower than investment property loans due to reduced risk for lenders.  

Loan to Value Ratio (LVR): Up to 95%, meaning you can borrow up to 95% of the property's value with as little as a 5% deposit.

Lower interest rates and monthly payments compared to investment loans.

Potential eligibility for first-home buyer grants and stamp duty concessions.

Tax exemptions on capital gains when selling your primary residence.

Flexible repayment options including principal and interest or interest-only repayments.

Options for fixed, variable, or split interest rates

Interest Rates: Generally higher than owner-occupied loans.

Loan to Value Ratio (LVR): Typically up to 90%, requiring a minimum 10% deposit.

Ideal for investors seeking rental income or long-term capital growth.

Potential rental income to cover mortgage payments.

Tax deductions on mortgage interest and property expenses.

Capital growth potential over time.

Interest-only repayment options available.

Access to offset accounts to reduce interest payments

Professional advice on property investment strategies

Refinancing your existing home loan can help you save money and better manage your finances. Our refinance loans offer various advantages:

Interest Rates: Potentially lower than your current mortgage, helping reduce monthly payments.

Ability to consolidate debt.

Access to home equity for renovations or other expenses.

Suitable for property owners with surplus home equity and good credit history.

Flexible loan terms to match your financial goals.

Access to additional funds for home improvements or other investments.

Simplified application process with quick approval times.