If you ended up on our page, and we’re happy you did, you are probably shopping around. But what is it exactly that you are looking for? Is it a low rate (duhh) or perhaps “the best offer” out there?

Keep in mind that the majority of finance companies and mortgage brokers, have access to the same lenders and if you’re rate shopping, you’re missing out on the real value of a financial partner.

Lowest Home Loan rate, is that it?

In addition to a low interest rate, a very important factor is “structure”. Because through proper structuring of your home and investment loans, you are able to utilize tax benefits in full, when applicable.

What if the lender with the lowest rate, has hidden fees?
Will the lender with the lowest rate allow me to redraw extra paid money for free of will they charge me?
Is there an offset account available at extra charge through this lender?
Will this lender charge valuation fees?

We could go on for a while, but we reckon you get it; there’s more to it than a low rate.

Talk to us we’d love to tell you all about this thing called Home Loan.

Home Loan Master Facility

Another benefit of proper structuring is the benefit of paying down your home loan a lot faster through a “Master Facility”.
Click here to find out more about our “Master Facility Structure”, because you’re leaving money on the table if you’re not using this.

Fixed or variable Home Loan?

Fixed home loan interest rate or variable, that’s the million dollar question and this causes a few grey hairs here and there.
A fixed rate gives certainty, and in some stages in the economic cycle you can snap up quite the attractive rates, but are you willing to give up your flexibility?

Fixed or variable, such a short question, and there is no right or wrong answer. It totally depends on your strategy (you ought to have one) as well as the economic indicators.

Talking strategy and economy can be daunting, but we think it’s pretty cool so why not reach out and talk?

For the die-hards, here’s the webpage of the Reserve Bank of Australia (RBA), plenty of economic stuff you can find here.