Most Australians are not home loan experts and given the many options available, it can be all too difficult and almost overwhelming to make the right decisions. As a result, most people choose to stay with their current lender and sadly miss out on saving potentially thousands of dollars.Whether you are a first home buyer or an experienced property investor, just looking to do some renovations, consolidate debt, buy a car or just looking to review your current loan, we will help you in every step of the way and go that extra mile to ensure you are truly delighted. More specifically, we can help you with the following services:
Buying your first home will be one of the most rewarding and challenging purchases of your life. It can be an incredibly stressful time and it is easy to get overwhelmed during the home buying process. Also, as a first home buyer you may be entitled to one of the New South Wales (NSW) Government’s home buyer grants or concessions. Which is why it’s important to get all the facts from the beginning. At Australian Loan House, it is our aim is to help you through every step of buying your first home.
If you’ve had your current home loan for a number of years, it’s likely that your needs have changed. You may have a different financial situation, but your current home loan may not have the range of flexible features and add-ons that are now available on the market. It’s a good idea to review your home loan from time to time, to make sure it is still helping you achieve your financial goals and has all the features you need. Also a refinanced loan will have a lower interest rate. This lower rate, combined with the new, longer term remaining on the loan will lower payments.
If you are struggling to manage your debts, it may sound like a good idea to pay someone to fix your credit problems and roll all your loans into one loan. Consolidating or refinancing loans can work for some people if it means they will pay less in fees and interest. For others, it may only be a short-term fix, especially if they can’t meet the repayments on the new loan. Before you refinance or spend money paying a company to help you with your debts, speak to us about how we can help you.
Do you need money for an upcoming holiday, want to do some renovations or are you interested in consolidating your existing loans? Whatever the reason, you may require a personal loan. Get a great deal on a personal loan with Australian Loan House’s wide-ranging comparison loans list from Australia’s leading financial institutions. Our Personal Loans offer a range of personal finance options including unsecured personal loans, secured car loans & flexible personal loans.
Australian Loan House has a range of residential investment loans to meet the varying needs of investors. You can choose from variable and fixed rate loans, as well as features like interest-in-advance, lines of credit and mortgage offset accounts.
A number of features will define your ideal business or commercial loan, depending largely on the type of loan you require. Are you looking for a fully drawn advance, an overdraft or a line of credit? Are you happy to pay entry fees, exit fees or annual fees? Perhaps most importantly there’s the question of interest and your repayment structure to consider. When it comes to your finances, it pays to make the right choice. Choose your next business loan on your terms – not the banks’.
Low Documentation (Low Doc) Home Loans are designed for self-employed customers and small business owners who may not have access to the financial statements and tax returns usually required when applying for a home loan. Whatever features are available on the standard loan will also be available on the low doc loan. We will help you choose a home loan with a Low Doc option.
Poor financials, bad credit rating, don’t fit the bank’s guidelines? Don’t despair we can assist you with those hard to find loans. A non-conforming loan is a loan that fails to meet bank criteria for funding. Reasons include the loan amount is higher than the conforming loan limit (for mortgage loans), lack of sufficient credit, the unorthodox nature of the use of funds, or the collateral backing it and so forth.
A Deposit Bond is an instrument that, by agreement with the vendor, can replace the need for a cash deposit. It is a convenient way of purchasing a property without the need to arrange a large cash depositor immediately cashing in or selling an investment that may mature at some point in the future.
SMSF home loans can be used to buy property through your SMSF and give your super balance the benefit of property growth. We can help you find out how SMSF home loans can be used to purchase property and secure your retirement. We will also be able to compare SMSF home loans and enquire with a lender to find out more.
Your home is far more than just four walls and a roof, after all – it’s a place of safety and comfort that houses not only you and your loved ones, but also your most precious possessions. Can you imagine how it might feel if the worst case scenario happened, and your home and belongings were destroyed beyond repair? This is where home and contents insurance comes in. In the event of unexpected theft of or damage to your property, having these two types of insurance could offer much-needed financial protection. At Australian Loan House we understand the importance of having home and contents insurance that suits your needs and your lifestyle.
Personal protection is crucial when obtaining a loan. At Australian Loan House ensuring you are protected is just as important as providing you with the lending. There are three main types of cover, life insurance, income protection and total and permanent disability death (TPD) cover. Life insurance, also known as death cover, pays a set amount of money when the insured person dies. The money will go to the people you nominate as beneficiaries on your policy. Talking about dying isn’t easy. But it’s worth some thought. By setting up a way to support your loved ones after you die, you can ensure they can continue to pay the mortgage and school expenses, go on holiday and buy essentials. Just as important, Income protection insurance, also known as salary continuance, can help you manage your expenses if you are unable to work for a certain amount of time. TPD cover provides a lump-sum payment if you become disabled and you are unable to work again.
To find out more about our services contact us today