Home Loans

Our goal is to make applying for a Home Loan as easy as possible for you. While it can sometimes be a complicated process, we’re here to take you through it every step of the way.

Where do you start?

It always pays to be prepared – so before you apply for a home loan, it’s important to sit down and work through your finances.
The important stuff you need to know is:

Your income – work out your total income from salary / wages, dividends, commission, rental income etc.
Your expenses – this includes basic living costs (food, utilities, etc.), student loans, hire purchase and credit cards, insurance as well as entertainment and holidays.
Your deposit – the bigger your deposit, the less you’ll need to borrow, the lower your repayments will be, and the faster you’ll be mortgage-free.

Home Loan Pre-Approval

Home loan pre-approval is a great way to ensure you know how much you can afford to pay for a property before you even start looking. A written pre-approval can also give you an advantage when negotiating on a property with a vendor, as opposed to someone who has no pre-approval or finance in place.

Home loan pre-approval is generally valid from 2 to 6 months, and you may still need a satisfactory valuation on the property you intend to purchase before your pre-approval can progress to a full loan approval.

How much can you borrow?

Once you’ve worked out your income, expenses and deposit amount, we’ll be able to give you an indication of how much the banks are likely to let you borrow.
The more detailed and accurate the information you provide is, the more accurately we’ll be able to indicate the amount you’ll be able to borrow.

How much will my repayments be?

Our repayment calculator will tell you exactly how much your fortnightly or monthly payments will be. Just enter the amount you’d like to borrow, the current interest rate and the length of your loan, and it’ll tell you exactly how much you can expect to pay back.

To find out more about how to apply or how much you can borrow, fill out the Quick Application form and we’ll get back to you with more information.

Or you can download, complete and email us a pdf application form.

Quick Application

Looking to apply for a home loan? Fill in the form below and we’ll come back to you with more information as soon as possible.

    Any hire purchases owing?

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    Click here to download a PDF version of the application:

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