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- Simple tips for saving money on your home loan
- Updated: Home Loan Sales, Promotions And Incentives - April
- Negotiated home loan deals that lenders don t advertise anywhere!
- APPLY TODAY
- Be mates with your mortgage
- How to find the best refinancing deals*
- Compare home loan offers
- Be wise with your money.
Simple tips for saving money on your home loan
Like any other financial decision you make, the decision to refinance is one that needs careful thought, research and strategy. As it can be a costly process, you need to ensure that refinancing your home loan will benefit you financially. This is why it s important to research available products on the market, speak with professionals and crunch the numbers to ensure that the refinanced mortgage will lead to real savings.
The best refinance deal is one that suits your home loan needs while not raising your expenses. Ideally, a good refinance deal will lower your ongoing expenses and periodic repayments by offering a lower interest rate and more suitable features, such as an offset account and a redraw facility. Products are displayed in no particular order or ranking. The use of terms Best and Top are not product ratings and are subject to our disclaimer.
You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing products. Rates last updated April 8th, Borrowing amount. Period 1 year 2 years 5 years 10 years 15 years 20 years 25 years 30 years. Loan purpose Show all Owner occupier Investment Construction.
Offset account Show all Yes No. Loan type Show all Fixed Variable. Your filter criteria do not match any product Reset. Enjoy flexible repayments, a redraw facility and the ability to split your loan. Plus, pay no application or ongoing fees. Go to site More info. Get a low interest rate loan with no ongoing fees. Plus you can make extra repayments and free redraw online. Low variable rate mortgage for owner occupiers looking to switch. Refinancers only. Get one of the lowest variable interest rates on the market and pay 0 application or ongoing fees.
This low, variable rate loan has no ongoing fees and a redraw facility. Get a very low interest rate and pay no application, settlement or valuation fees. Get a low interest rate and a mortgage with flexible, basic features. No application or ongoing fees. Enquire now More info. A low, variable rate mortgage for home buyers wishing to consolidate existing debts. Get a very low fixed rate with minimal fees and lock in your repayments for three years.
Homestar Star Essentials Home Loan. Get a very low variable rate and avoid large fees when buying a home. Fee waivers for eligible refinancers. A simple mortgage with a competitive interest rate and no application or monthly fees. A low interest rate home loan with no application or ongoing fees. Low fixed rate loan for home buyers. This variable rate loan keeps the features simple and fees low.
A simple mortgage with no application or ongoing fees that has extra repayments plus split and redraw options. Variable interest only mortgage for owner occupied refinancers. Earn Velocity Frequent Flyer Points with this mortgage to spend on flights and more for a limited time, subject to eligibility requirements. Redraw facility available on this variable rate home loan. Competitive interest rate. A competitive 3 year fixed rate with no ongoing bank fees.
Low fee loan with extra repayments. Pay no application and ongoing fees and take advantage of split and redraw options. Offer extended. A great interest rate home loan offer with unlimited redraw and unlimited extra payments. New borrowers or refinancers can get a discounted rate with this package loan. Enjoy all the benefits of the Basic Home Loan and take advantage of an offset account.
Access an offset account and pay no application or ongoing fees on this special variable rate for owner-occupiers. Unlock a range of savings with this competitive package home loan offer. Offset account and redraw facility included. A one year fixed rate offer with no ongoing bank fees. Pay no application or ongoing fees and get access to a free redraw facility with this innovative online lender.
Low fee, competitive variable mortgage. Get a low fixed rate and pay no application or ongoing fees. Investors can enjoy flexible repayments and an easy application process with this pioneering online lender. Pay no application fees and access a fee-free redraw facility with this fixed rate loan. Compare up to 4 providers Clear selection.
Updated: Home Loan Sales, Promotions And Incentives - April
Read More. Finding the best home loan for your needs and succeeding in your application can be a really complicated process. Our team of specialist mortgage brokers will be right by your side from start to finish, guiding you through the journey one step at a time. We can also ensure that your loan rates and term are still competitive as the years go by so you continue getting the best out of it.
Finally a customer owned bank offering a refinance offer! Offer is for refinances only.
But just how special are they? And will you qualify for one? But others may just be marketing gimmicks. But before we get on to mortgages, we should take a detour. Because educators who want to be homeowners can get some seriously valuable help. Perhaps the most valuable of all potentially is the Good Neighbor Next Door program, which helps law enforcement officers, firefighters and EMTs as well as teachers.
Negotiated home loan deals that lenders don t advertise anywhere!
Like any other financial decision you make, the decision to refinance is one that needs careful thought, research and strategy. As it can be a costly process, you need to ensure that refinancing your home loan will benefit you financially. This is why it s important to research available products on the market, speak with professionals and crunch the numbers to ensure that the refinanced mortgage will lead to real savings. The best refinance deal is one that suits your home loan needs while not raising your expenses. Ideally, a good refinance deal will lower your ongoing expenses and periodic repayments by offering a lower interest rate and more suitable features, such as an offset account and a redraw facility. Products are displayed in no particular order or ranking.
The rate you are eligible for will vary greatly depending on your circumstances. Different rates are made available to buyers and investors, for example. The size of your deposit and where the property is located, may also play a role. A rate is a percentage charged as interest against the principal the amount borrowed to the borrower as a portion of their loan repayments. The cash rate acts like a threshold within the economy. In determining monetary policy, the RBA has a duty to maintain price stability, full employment and the economic prosperity and welfare of the Australian people. To arrive at a standard variable rate SVR , a lender will add an extra percentage points to the official cash rate. This is to cover the cost of funding the loan, and includes a margin so they can make a profit. Right now, the cash rate is 1. If the cash rate was to move by 25 basis points, for example from 1.
Be mates with your mortgage
Get monthly cash back on your home loan when you choose, settle and save with us. Lenders pay mortgage brokers up to 0. Our team of professional home loan specialists are paid the same regardless of the recommended lender chosen to provide you the assurance that a lender that pays brokers less commission is not included in the consideration of the lender recommendations with CashBack. That can be a saving of up to 0. Our buying power means that you get the most competitive interest rate with the added consideration of CashBack.
How to find the best refinancing deals*
If you already have a mortgage with us but want to change your deal, there will be no affordability or income checks, no legal or valuation fees to pay and no new Direct Debits to set up. You can also arrange your new deal through an Independent Financial Adviser, they will advise you of any costs. All Flexible Offset mortgages already have an agreed additional borrowing limit, which is on the same rate as the mortgage. The additional borrowing can be repaid on a repayment or interest only basis. You can access your additional funds through Online Banking. If you need to increase your additional borrowing limit you can ask for a credit limit review charges will apply. Get an instant decision in principle before you apply. You can apply to keep your current mortgage deal and take it with you when you move to a new home.
Compare home loan offers
A majority of Australians use a mortgage broker to help get them a competitive home loan deal. CONSUMERS seeking a new home loan or looking to refinance want the mortgage industry to be more transparent so finding a competitive deal is much easier. Australians are lying awake at night worried about their finances. But new Galaxy research compiled for realestate. Brokers can sell loans a range of ways — including through branches, mobile lenders and over the telephone. Scrutiny has surrounded brokers on their commissions made from loan sales, which often includes upfront and trailing commissions over the life of the loan. They must also disclose any commissions they receive from the lenders or any other source to the client. Australians wish there was more transparency around the way loans work.
They know the ins and out of the market and can get the best deals out-there.
Be wise with your money.
Lenders are discounting rates, waiving fees and even offering cash back and other rewards to entice borrowers. To help you cash in on the savings, the Mozo Editors have rounded up 5 of the best home loan specials available right now. This discounted offer is only available to new borrowers and for a limited time, so get in quick! Looking for a no fuss mortgage option offering up superb value? With a super low rate, no upfront or ongoing fees and the option to choose weekly, fortnightly or monthly repayments, this loan is easy on the hip pocket. You can also opt to split your loan between fixed and variable rates to find the perfect balance between certainty and flexibility. Super low rate? No application or annual fees? Handy features like free extra repayments and a redraw facility? Double check.
More details. Featured Smart Home Loan. Calculate what your repayments could be on your home loan. Calculate what you can borrow based on your current circumstances. Calculate how much you can save per month by refinancing your home loan. Why do banks bombard us with incomprehensible jargon? And what s with all those annoying acronyms?
Our mortgage brokers will provide you with home loan packages that suit your needs, but there s no pressure to commit until you re absolutely ready. We can put you in touch with one of our brokers in your area, who are ready to answer any questions you have and support you through your home loan journey. We re here to make it easier for you to take out a home loan and find a great deal. Research, compare and apply for your home loan in one place; right here! Lenders pay us a commission while you pay nothing to find a great loan. Dreaming of owning your own property? Find out how much you could potentially borrow to put towards your home loan with our borrowing power calculator. Will your mortgage repayments fit into your budget? Use our calculator to work out how much your monthly, fortnightly, or weekly repayments will cost over the life of the loan. Want to sell your home? From real estate agent costs to settlement fees, see how much it will cost you with our property selling cost calculator. Mortgage protection insurance MPI covers the property owner against losing the means of settling the mortgage should the worst happen. We explain the merits of this product in more detail. Stamp duty is a tax levied against the sale of property and land transfer, and can impact on your home buying budget. Find out how it is calculated.VIDEO ON THEME: First Time Home Buyer BEST MORTGAGE DEALS When Buying a House - First Time Home Buyer Loan Programs