The purchase price will consist of the loan and other amounts provided by the Superannuation Fund.

Every lender has their own terms and conditions, and this is intended only as a general guide to understanding this topic.  Contact us to discuss your individual circumstances.

Debt consolidation is where you increase or re-finance your home loan and use the funds to payout credit card, personal loan or car loan debt

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A fixed rate loan means that for a set period of time the interest rate that you pay, and therefore your monthly repayments, remain the same.

The time frame is commonly 1 to 5 years, however longer terms are available.

A negatively geared investment property is one where the cost to own and maintain it (loan interest, council rates, maintenance etc) are higher than the rent received. The net outgoings create a loss that is usually an allowable tax deduction.

If you have an investment loan, you may be able to choose to pay one year’s interest in advance. The interest rate is fixed for a 12 month period, and you pay the full year’s interest in a lump sum upfront.

Finding a property can be a challenge, especially when you have so many different considerations to take into account. Give yourself a head start through determining your ‘must have’ features compared to those you could possibly live without.

If you are considering buying a smaller apartment, lenders and mortgage insurance companies have restrictions on what sort of apartments and developments they will accept as security for loans.

This is a list of the documents you may need to provide to a lender during each step of the loan process:

Lenders will require a Fixed Price Building Contract (FPBC) by a Registered Builder.