Home Loans

Increase your chances of a fast approval with a well-prepared first home loan application. Don’t worry, we’ll show you how.

Although applying for your first home loan may be the biggest financial decision you’ll make, it doesn’t need to be an overwhelming one. With the right preparation, a realistic understanding of your financial position and some professional guidance from Aus Fin Loans, you can position yourself as an attractive first home loan customer and be approved in no time.

Some things to check off before applying for a home loan:

  • Clean up your credit

  • Check your financial position

  • Be deposit-ready

  • Do your research

  • Gather your documents

Read more about this checklist in our blog here.

Interest Only Home Loans

A way of keeping your repayments lower than a standard home loan by paying only the interest on the loan amount. After the specific period of time it reverts back to standard home loan where you will commence making repayments on the full loan amount plus the interest.

  • Smaller repayments

  • Tax deductible (for investors)

  • Get started earlier, get into the market

  • Your payments work for you; reduce the interest before paying off the principle

  • Better options to buy the home you need now

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Fixed Rate Home Loans

Ensures you pay the same interest rate for a specific time (usually 1-5 years), regardless if the Reserve Bank increases the official interest rate. The lender passes on the increase to variable home loan customers, your rate remains the same.

  • Your payments can be the same every month for the fixed term

  • Your interest rate wont increase if the RBA increases the interest rates

  • Extra payments are usually allowed

  • Some fixed rate loans allow for redraws should you need the flexibility

  • Flexible repayment options eg weekly, fortnightly, monthly.

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Variable Rate Home Loans

As mentioned previously the interest rate will increase or decrease depending on the Reserve Bank’s official interest rate and your lender’s pricing.

  • You can make extra repayments without being penalised

  • Save Money on Interest hikes to help you pay off your loan sooner

  • Attractive features such as unlimited redraws on any additional repayments

  • Allows you to set up an offset account which can lower your interest rate

  • Easier to switch loans if you find a better deal elsewhere

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Low–Doc Home Loans

Ideal for self employed people as you are not required to show your tax returns, financials as would normally be required.

  • Simplified credit requirements

  • Flexible lending requirements

  • You can fix your rates

  • You may be allowed to redraw your payments or make additional repayments

  • Lower your stress levels

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Construction Home Loans

Building a new home? A construction home loan may be interest only loan that is based on the cost of the land and increases in stages as your home loan gets built. Once your new home is completed the loan may change to a principal and interest loan. We have many options with our panel of lenders, call us today.

  • Access funds as you need them

  • Pay interest only on funds you’ve used

  • Time to plan

  • Conversion to standard variable loan once construction is complete

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Ready to talk?

All it takes is a phone call and you could be on your way.

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Our Panel Of Finance Lenders